Living Benefits Protect Against Affordable Care Act Drug Access Restrictions

 The Affordable Care Act covers preexisting conditions except when it comes to prescription drugs.

Perscription DrugsAdvancements in specialty drugs have the potential to significantly improve the lives of patients suffering from serious, chronic and life-threatening conditions – from cancer to heart disease to rheumatoid arthritis. But, because these new pharmaceuticals often come from the latest breakthroughs in biotechnology are more expensive. Many Affordable Care Act insurance providers and pharmacy benefit managers, protective of their bottom line, are finding ways to restrict coverage despite the drugs' effectiveness.

Two tactics are used.  The first, called step therapy, requires that an existing, cheaper drug be prescribed, rather than the new, potentially more effective drug. The second, called prior authorization requirements, involves subjecting the patient to onerous, bureaucratic red tape which makes it much harder for patients to access new drugs.

For critically ill patients these bureaucratic maneuvers create added stress on the patient and their family…not to mention the harmful effects the stress  of fighting the insurance company has on the patient’s recovery.

So how can you protect yourself and your family from this Affordable Care Act insurance provider health care rationing protocol?  By having a living benefits life insurance policy that pays in the event of a critical illness.  Living Benefits life insurance allows you to accelerate your death benefit while you're still living if you suffer a heart attack, cancer diagnosis, stroke, or any other critical, chronic, or terminal illness.  Those funds can then be used to cover high deductibles, purchase premium pharmacology treatment or supplement your income while you recover.

 

Video: Living Benefits - HLD

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