What insurance covers cialis?
Ah, the age-old question of whether insurance covers that pill for Mr. Happy Hour. The answer is…it depends! Here’s the breakdown on what you need to know about getting your hands on some properly insured Cialis.
Understanding Cialis
First things first: if you’re not sure what exactly Cialis does, let me lay it out for you in plain English (or as close as I can get). Essentially, this little blue pill is designed to help men struggling with erectile dysfunction achieve and maintain an erection.
It works by relaxing the blood vessels in your penis so that blood flow can increase and stay there long enough to keep things standing at attention – or at least give it a good start! It typically lasts between 24-36 hours, so don’t go taking one unless you’ve got something planned wink wink.
Types of Insurance That Cover Cialis
So now we come to the big question: will insurance cover it? Welllll…it kinda depends on your policy.
Private Health Insurance
Many private health plans actually cover prescription drugs like Viagra or other ED medications like Cialis – but not always! So how do you know if yours does? Your best bet is to call up your provider or sift through those terms and conditions documents they send out each year (yay). Not all policies are created equal – some may require a copayment while others will only allow limited quantities every month.
Medicare Coverage
For those over 65-years old who are relying on Medicare – good news; Part D of Medicare (which deals with prescriptions) usually covers most ED medicines including…you guessed it -Cialis!
The drawback? Each plan has its own limits as far as amounts covered monthly along with co-payments etc., so again read your docs carefully!
Medicaid Coverage
Medicaid coverage also varies state-to-state which can be confusing. Some states include ED medicines like Cialis while others only cover the basic needs.
Self-Funded Insurance Plans
If you’re lucky enough to work somewhere that provides self-funded insurance, there’s hope for your pocket book here! Often times these policies offer more comprehensive coverage than private insurers as they aren’t beholden to outside investors and can tailor policies specifically – i.e., employers offering their staff better prescription drug benefits.
Exceptions Aside from Cost
There are always exceptions that fall outside of what’s covered or not covered by an insurer. Here are some potential reasons why even if insurance covers Cialis – you may still be unable to receive it under coverage:
- Waiting Periods- Depending on the policy in place theres likely a waiting period before any medication will be approved. This is important to check before so such step aren’t delayed.
- Exclusions/Exceptions – Insurers tend to exclude certain medications depending on specific conditions or circumstances.(think, fertility drugs) – just because one pill e.g Viagra is listed as covered doesn’t mean another popular ED pill like Cialis would also qualify.
How Much Can You Expect To Pay?
Whether through co-payments monthly premium or deductibles cost should never go unconsidered when pursuing financial help with prescriptions especially ones without generics.. The average price for ten 20mg doses of Cialis ranges between $350-$450 at most brick & mortar pharmacies (coughcough robbing us blind!). However, with different tiers amongst plans it’s difficult stating exactly what amount patients can expect pay regarding this medicine each month.
The good news? Countless generic versions of Viagra have started flooding the market causing dramatic pricing drops; which could potentially make its way into your plan whereby cost decreases over time.
Conclusion
Hopefully taking a look through your paperwork has given you much-needed clarity about getting insurance-covered access to this magic little blue pill known as Cialis!
Just remember: Every phone call to insurance agents can be a rabbit hole – try emailing instead!
At the end of the day, insurance providers are in charge and decide what medications they’ll cover. Still, we always have our fingers crossed for you to not wind up completely broke attempting birthday activities such as dance classes (if that’s your thing) without those hard earned happy hour benefits!