Getting Tired of Schwere Krankheiten Kassel? 10 Sources of Inspiration That'll Rekindle Your Love
The basic idea behind insurance is that it's a way to manage risk. As we all know, there are many various types of insurance, ranging from car insurance, home insurance, and personal insurance. However, the basic concept behind each insurance is always the same, as there's always a chance some damage could come to your car, house or you. And whilst the accident itself may be small, its financial effect could be catastrophic, as without insurance, you'd have to fit the bill yourself.
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Insurance companies know that car, personal, and accidents with the home don't happen to everyone, but they do happen to some people, and through statistical analysis, it's possible to group together enough data so as to know roughly how many people these types of incidents will happen to, and the cost of fixing the situation. The insurance company then, using this information, can spread the potential risk among all of its customers.
To paint a picture, I'll now discuss an example of how this could be put into practise, for those who are struggling to understand the concept. Imaging that there's a football team, and this team is made up of 25 players, each fighting for a place in the first team. Every year, for the past 20 years, a player has broken their leg either during a match or during training, which resulted in roughly £5,000 worth of medical expenses. If insurance didn't exist, or there wasn't an insurance scheme, each player or their family would have to save £5000 in case they were the one to suffer the broken leg. After all this, 24 players family's would have saved £5000 after spending nothing, but one players family would have paid £5000 in medical fees.
With an insurance policy, the risk is spread out among the Schwere Kranheiten players, so in this situation, each player or their families would each put in £200 at the start of the season. This would amount to £5000 in total, and this would cover the cost of medical fees for whichever player was unfortunate enough to suffer the broken leg.
£200 may seem like a lot in this situation, but I'm sure you'd agree, most people would rather foot the bill to the tune of £200 rather than having to scrape together £5000 each season, on the off chance their family member was the one to suffer with the injury.
This is the basic concept of insurance, and why we have to pay insurance, even though we may not actually make a claim, and also why, we can't claim back the money we've paid to the insurance company if we go a year without claiming.
I hope you've enjoyed reading this article.
Millions of men have found a cure for their erectile dysfunction in pills like Viagra and Cialis. But they still aren't choosing to go for the treatment. They aren't still able to have sex. And one of the primary reasons for their choice is the high price of the pills.
One dose of ED drugs like Levitra, Cialis or Viagra costs $10 to $20. Therefore, if one is having sexual intercourse even twice a week, the yearly cost comes to be an approximate of $1500 - which is not permissible by a lot of household budgets. Even if people choose to take the best erectile dysfunction pill like Cialis, which is relatively cheaper, the regularity of the drug adds up to even more expense!
And the biggest concern of it is that your health insurance might not cover the cost of the ED drugs!
The bias towards the ED drugs
Erectile dysfunction is a problem faced by almost every man once in their lifetime. Currently about 33.33% of men around the age of 50 experiences ED and the ratio is 50% for the men above the age of 60. This makes it one of the crucial diseases that affect the quality of life of people at large. And yet majority of health insurance companies do not cover it in their health plans.
In 2006, health insurance providers such as Medicaid and Medicare covered the cost of ED drugs but the federal regulations prohibited the health insurance coverage. And the private health insurers followed the suit.
Ever since the withdrawal of the coverage of the erectile dysfunction pills under public health plan, the drugs aren't covered by any insurance plans. Earlier sexual disorders were just attributed to the health problems like Diabetes, High blood pressure, cardiovascular diseases etc. But in recent times, health insurance providers take these drugs as a lifestyle medication often clubbed together with other lifestyle problems like obesity, stress, substance abuse etc. Thus not including them in any insurance cover.
Why is ED drugs not covered by health insurance?
Health insurance providers have been reluctant in covering up the cost of ED drugs primarily because of the high prices. As the high end medications that are FDA approved will eventually result in high copays, they refrain from providing a cover for it.
Of course the health plan cover required men to be medically diagnosed and be under a treatment to be able to get the costs covered, but the increasing trend of recreational use has put the insurance providers on a jolt. People choose to purchase the ED drugs online and even go onto create unsolicited prescriptions to get their costs covered.
Health insurance providers believe that today erectile dysfunction drugs are being used to correct the problems that people have brought onto themselves. These aren't solicited diseases but something influenced by their lifestyle. Continuous stress, inactive lifestyle, obesity, smoking, alcohol abuse, etc. contribute to sexual disorders. And therefore, when these aren't a need, they shouldn't be covered.
What these health insurers fail to understand is that erectile dysfunction actually degrades the quality of life and general well being of a person. And it easily qualifies as a health and quality of life issue, which is due to be covered under health plans.
Do your research for the appropriate health-plan!
Before starting any health plan or buying ED drugs, one must try to bridge the gap of knowledge between the two. Generally the health insurance providers have a formulary which lists down all the drugs that are covered by them. And this formulary has different tiers catering to the degree of coverage of the listed drugs. Tiers 1 and 2 represent the lowest co-pay for the generic medication. Tiers 3, 4 and 5, as they progress keep decreasing the copays. Therefore, as the numbers of tiers progress, the less benefit it has for the insured.
If the drug/medication you are prescribed doesn't find a mention in this formulary, it isn't covered by the insurer. Search your drugs prescribed by the doctor to understand if your treatment shall be covered or not.
P.S. The ED drugs such as generic Viagra or Cialis, currently don't find a mention in most of the insurance health plans formulary.
What to expect in the future?
As with time, patent of some of the biggest brands like Pfizer and Lilly Laboratories are coming to an end, the market of generic ED drugs is on a rise. The generic companies with their own versions of drugs will soon find a place in the market that is FDA approved. Hence, the generic drugs prices, particularly of Sildenafil Citrate and Vardenafil, will drop significantly.
While this would appreciably bring the cheapest ED drugs in the market as per general budgets, it will also give initiative for most health insurance providers to include the medication in their health plans. The patients with certified prescriptions will find it easy to get a treatment with their costs covered.
Takeaway!
ED medications currently aren't covered by most health plans by insurance companies. But with the rise of generic ED drugs online and the wave of knowledge around ED treatment, they are soon to find a place in the formulary.
The reduced cost will let people with erectile dysfunction include sexual intercourse in their lifestyle. And if all goes well, a worry free sex life lies ahead of you.
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