Comprehensive insurance coverage can offer many things to small business employees: peace of mind, financial security and an easier path to vital health care resources like prescription drugs.
Prescription drug costs can place a significant financial burden on employees, particularly those managing chronic conditions or unexpected health issues. Comprehensive health insurance coverage is crucial because it ensures access to affordable prescription medications, enabling individuals to manage their health effectively and prevent more serious, costly conditions without jumping through any unnecessary hoops.
In this article, we’ll be discussing why prescription drug coverage is so important to small business employees, how this coverage reduces prescription drug costs and how members can use Blue Cross and Blue Shield of Illinois resources to find in-network pharmacies.
Without prescription drug coverage, many individuals may skip or delay taking essential medications due to cost, potentially leading to worsening health conditions and more expensive long-term care.
According to the CDC’s National Health Statistics Report 
, prescription drug prices continue to be a major concern for American workers, with 3.6% of older adults unable to fill their prescriptions due to prohibitive costs. Including vital prescription medications as part of your health insurance coverage ensures that your employees’ needs are met, giving them the peace of mind to live their lives without fear of a missed dosage.
To help members determine which drugs are covered under their insurance plan, BCBSIL has compiled a Prescription Drug List (PDL) that lists each drug that qualifies for full coverage under a member’s health insurance plan. This way, small business employees can easily check to see whether their prescribed medications are included in their coverage.
Prescription drug coverage helps business owners and plan members by covering the full cost of drugs on the PDL as long as they are prescribed to the member and filled at an in-network pharmacy.
If a prescribed medication isn’t on the PDL, members can minimize their out-of-pocket costs by choosing the generic version. Generic drugs are generally just as effective as their brand counterparts for a lower price, giving members the means to treat their symptoms without breaking the bank.
Reducing costs for prescriptions only gets you so far if you can’t find an in-network pharmacy to pick them up from. Fortunately, Blue Cross and Blue Shield of Illinois has you covered. BCBSIL members have access to a wide network of professional health care providers and pharmacies throughout the state, ensuring that they can choose to pick up their medication at whichever location is most convenient.
Members can find the pharmacy closest to their homes by:
, available through Prime Therapeutics®Not knowing which pharmacy to pick up their prescriptions from should never stand between a person and their medication. BCBSIL’s various online resources and health care solutions offer members a way to quickly obtain the medications they need.
Prescription drugs give small business employees the help they need to treat their symptoms, manage pre-existing conditions and become their healthiest, happiest, most productive selves. Through BCBSIL health insurance, members can reduce costs through coverage for prescription drugs.
Affordable prescription drugs, as part of comprehensive health insurance coverage, can help ensure the success of small businesses through convenient, cost-efficient health care solutions. To give your employees the BCBSIL advantage, read about our health insurance coverage options for small businesses.
