Americans are cutting back on their medical care in response to the uncertain economic environment and increasing unemployment. A Kaiser Family Foundation poll found that 47 percent of Americans have reported that their family members have had to forgo medical care due to the rising cost. One-third of respondents say they, or a relative, have delayed seeking medical care. Thirty percent report that they have missed a recommended test or treatment.

But, cutting short-term care could cause more medical problems and increase spending over the long term. Refusing to take necessary medication to treat chronic conditions and diseases can lead to worsening of your health, or even hospitalization.

More than ever, people require assistance to take care of their own health and that of their family. Prescription assistance programs, which can be used to help the uninsured afford the medications they need to keep healthy or treat diseases, are a great resource. These programs can be a quick help for people who are experiencing difficulties with their healthcare costs due to the downturn in the economy, as well as government policymakers.

Together Rx Access is a program sponsored by many top pharmaceutical companies that helps uninsured Americans get the medicines they need to keep their health. Together Rx Access members receive a free-to use and easy-to-get card that allows them to save money on generic and brand-name medicines at their local pharmacy.

There are many savings depending on what drug is purchased and which pharmacy was used. Most cardholders will save 25-40% on brand-name products. This program covers medicines that treat high cholesterol, diabetes and heart disease as well as medications for asthma, depression, cancer, high cholesterol, heart disease, heart disease, stroke, and other common conditions.

You can find more information at TogetherRxAccess.com, or call 1-800-966-0407.

Roba Whiteley, executive director of Together Rx Access is a prescription savings program that allows eligible Americans to save significant amounts on prescription drugs.

The pace of life today is rapid. The rise of digital technology has allowed people to communicate with each other via the internet and simultaneously check their children’s soccer scores. With the advent of the Internet, consumers can expect the same conveniences from all services and businesses except their insurance companies. Although 98 per cent of insurance claims are processed within 30 working days, it can be frustrating for those who have difficulty paying their medical bills.

With almost two-thirds American households earning less than 2002, being insured is not enough. It is vital to understand how quickly and efficiently your insurance carrier pays claims. This is critical for both financial recovery and physical recovery.

According to a recent survey, 66% of workers would struggle to pay for the financial burdens associated with serious injuries and illnesses. Only 49% have enough money to cover out-of pocket expenses. Employers are being forced to reduce costs as rising health care costs put even more financial pressure on their employees.

* 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 are able to offer fast service because they have better technology and an understanding of today’s consumer needs. This is just 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 is a necessity in today’s world. 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 Promise can be found at aflac.com/onedaypay.