People across the country are feeling the impacts of the novel coronavirus. It is infecting thousands of Americans and wreaking havoc with our economy. Many of the people who have lost jobs due to this public health crisis are dependent on prescription drugs for their survival. They will soon run out money to buy them.

It is a time when people need to be creative in how they will get by the next few days, weeks, and months. It is vital that people who need medication can afford it.

There may be hope for you or someone you care about if you have a chronic condition or are living with a life-threatening condition. Some people like to point fingers at these companies and blame them for the rising Rx prices. However, many of these companies have programs that help working families. We need to stop pointing fingers at these companies and encourage everyone to help one another.

Prescription Assistance Programs’ (PAP) eligibility is often determined by the income of the patient. Patients without health insurance are often first to be eligible. High priority is given to patients with life-threatening or chronic conditions.

You may fall under one of these categories. For more information, visit the websites of individual pharmaceutical companies or the ones listed here. is a great website for prescription assistance.

These websites can connect you to a customer service team member who will determine if your eligibility and get you enrolled. It will ask you to confirm that you are covered. In certain cases, you might need to show proof of income or get your doctor to confirm your condition. Once approved, you will have access to your medication almost immediately. (Note: Medicare or Medicaid patients might not be eligible.

Some patients may also be eligible for co-payments from pharmaceutical manufacturers. These programs may not be available to everyone. People on Medicare will not be eligible for some co-pay assistance programs. Each program has its own rules.

You are not the only one who needs help with medication. Visit www. is a. This organization will connect you to low-cost, or even free, alternatives. These options are worth exploring. You can e-mail me your questions.

Jeffrey Lewis, CEO at Legacy Health Endowment in Turlock (California), can be reached by email: [email protected]

These views are his.


Today’s life is very fast. People can check their kids’ soccer scores on the phone, while also sending emails to work with the help of digital technology. Consumers can expect the same conveniences and benefits from all businesses, except their insurance companies, thanks to the internet age. For many people struggling to pay their medical bills, this can seem like a long wait, even though 98 percent of claims for health insurance are processed in 30 days.

It is no longer enough to be insured, as nearly two-thirds of American households have less income than 2002. It is vital to understand how quickly and efficiently your insurance carrier pays claims. This is critical for both financial recovery and physical recovery.

Recent research found that 66% would not be able to adjust to the high financial cost of serious illnesses or injuries. Only 49% have enough money to cover out-of pocket expenses. Additionally, rising healthcare costs have forced employers to take cost-saving measures that are putting employees under greater financial pressure.

* Increasing employees’ health care insurance copayments.

* Increasing employees’ share of premium.

* Implementing high-deductible health plans with health savings accounts.

A lot of people will have to wait for up to a few months before receiving their insurance payments. Many insurance companies strive to provide fast service with better technology and better understanding of customers’ needs. This is one example. AflacIt is almost rare for insurance companies to offer policies that include claims processing, approval, and payment in a single day.

In the past, fast payment policies were a luxury. It’s a necessity. It is more important than ever that you have money available immediately for serious injuries or illnesses. You should ensure that your insurance company can move at your pace.

Aflac’s One Day Pay guarantee can be found on