Health Insurance – Anxiety Medication

Benzodiazepines are a class of medications commonly used to treat anxiety by seeking to restore balance to the brain chemicals which contribute to anxiety disorders, panic disorders, and similar anxiety-related symptoms. Depending on the type of health care insurance you have, such treatment may or may not be covered under your plan. Economy healthcare plans, high deductible health insurance plans, HMOs, and PPOs, since their primary driving focus is keeping costs below a maximum per patient average, will often eliminate mental health care coverage. Rather than including it in standard coverage, consumers may have to purchase a separate rider for such treatments to be eligible for reimbursement.

Benzodiazepines may also be used for off-label treatments not normally listed in the medication information. Off label treatments are simply treatments for other conditions not normally associated with treatment of anxiety disorders or other mental health care diagnoses. For example, there are older blood pressure medications which have been successfully used to treat aggression when used in small doses. However, these medications were originally designed to treat blood pressure. Therefore, it is possible for a health insurance provider to pay for these medications under standard health care policies rather than mental health.

For patients experiencing the symptoms of anxiety disorders and similar mental health conditions for which benzodiazepines are prescribed, determining financial responsibility for things such as prescriptions can be a difficult topic to navigate. However, for those patients without health insurance coverage, or whose coverage denies mental health claims, there are numerous prescription assistance programs that can help. Many pharmaceutical manufacturers sponsor or administer such programs to help patients without insurance get the proper treatment for their illness or disorder. Unfortunately, these programs do not cover doctor visits or other therapies, so patients must find other financial assistance for these expenses.

The good news for both insured and uninsured patients is that benzodiazepines and other classes of medications used to treat anxiety are not terribly expensive. Granted, new medications which have been released to the market only recently may indeed be expensive, especially for those without health insurance coverage. Nevertheless, many medications in this class of drugs have generic alternatives which provide substantial savings. For example, medications such as Xanax and Valium, when purchased as generics, can cost as little as $10 per 30 day supply. In fact, you can find some pharmacies in certain regions where such prescriptions are only $4, thus making them affordable for even limited budgets.If you need assistance in locating particular coverages at a pre-determined price, we can help you obtain a health insurance quote, and save up to 50% on your monthly premium.