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There are several good reasons that explain the increment of the copayment in the insurance companies; since almost 40 years, the costs of medicine have risen worldwide, not only in the United States, but also in the rest of the world. The significance of this is that the United States is the world's leading power country, and with this there is also the significance of the fact that there is an increase in medicines also gradually, the costs of manufacturing, and research in the pharmaceutical field have increased as the medical treatment scheme changes and certain diseases are chronicled, the quality of life in general has improved but the chronic diseases remain the same (Diabetes, Lupus, Asthma, Hypertension, among others) and therefore the treatment of them will continue to take place as long as they continue to increase in frequency, and these should always be treated, until culminates the life of the insured, this has caused that the pharmaceutical market is amplified giving like a consequence a market that involves high and low medicines range, in this case high costs generally are related with the best quality and the least amount of adverse effects or possibility of medical complications, an alternative route has been the external market to the medical insurance companies in which the drugs can be found in virtual stores like Amazon or be imported at low cost coming from other countries like India, but at a lower financial cost but which undoubtedly does not brings the quality that could make a drug that has been through a thorough investigation, and high costs of financing it, this requires money, and a lot, and that is why medical insurance companies have increased co-payments for the drug procurement service, as there are cheaper alternatives outside the insurance industry but in which there is a greater risk than the prognosis of the insured's illness has a negative outlook, then the high price of the prescription copay is to guarantee a correlation between the treatment and a good nosological prognosis.
Online Medicines
It has already become an almost safe method on the internet to be able to purchase medicines in an alternative way to the use of health insurance to evade payment of the prescription copay, but this is not always favorable, often has a fatal outcome for not having adherence to treatment the form in which it was prescribed by medical personnel.
All of this leads us to conclude that, although paradoxically, it seems to be a disadvantage for the user or patient that recently in most health insurance companies the price of the prescription copay has increased considerably, this has undoubtedly the reason why is considered as the best option that should be implemented. Not looking for this to promote that quality equals more money because it is not always so, but when it comes to health, you cannot make such an analogy as you would with a pair of shoes, it is almost certain that a high cost of copayment has much to do with the quality and service of the insurance company offered in terms of the quality of the medicines they provide to the insured, since the element at stake is the one that has the most value, our health.
Cheaper if you buy it online
The cost of medicines is also associated with the cost of health in general in the United States, supply, demand, prevalence, incidence of diseases, not only production and quality of service, it is something linked to the endemic of the nosological entities that affect the American population, insurance companies are also affected by all the governmental decisions that are established by the state, so this is a subject involved in too many factors for which it is understandable to pay a high deductible cost.
Why you should love the enemy.
Finally, it should also be noted that the prescription copay varies in different insurance companies where some establish a series of pyramid in which the insured pay according to the type of employment and the rate of salary they receive, and that some companies handle smaller amounts than others they represent something that could be sustainable by the population, however, do not guarantee the best quality of service and of drugs that would make other insurance companies.
We are not defenders of wasting money but when is about health, we are agreed with this phrase: health is priceless, physical integrity and adherence to good medical treatment could make the difference between favorable consequences or what could represent an attack on our own life, we know that there are many elements at play when health is involved, many that sometimes escape our control, but those that we can control as adherence to a good treatment could make the difference between having quality of life or an absolute loss of good health or perhaps of one's own life.