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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.

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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 Jubilee Ace Bobby 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.

References:

When any illness takes place or occurs, there are certain symptoms that give alarming signal and signs. But more often than not, individuals either chose to ignore it or are unable to catch the first sign only. Reason might be any, but when one falls sick even with as small as cold or cough the body goes into a lot of trouble and changes which makes the whole day or routine of any individual tipsy turvy. Therefore, it is extremely essential to keep a check upon yourself and your health. Mostly men during the time of their intercourse are unable to achieve the desired level of satisfaction owing to some internal health treated issues which they are unable to identify immediately and thus when they feel unsatisfied in bed, it creates havoc in their life. Not only do they get disturbed but the other partner too feels unsatisfied and distracted. Therefore, it gets essential for men to takes care of their health as much as they can. Moreover, erectile dysfunction is one such illness that can be cured easily today with the help of certain medication and treatments. Usually men buy Generic Cialis, a drug most suitable for the illness cure.

Monthly or quarterly check up would be much needed if one plans to get himself cured sooner from erectile dysfunction. However, men feel extremely uncomfortable to discuss such intimate and intricate issues with their doctors (especially family doctors). Due to their discomfort and uneasiness, it makes the treatment more problem-some and difficult. One has to make sure that he tells all the necessary details to his doctor, according to which the doctor can understand and treat his patients better with more precision. According to the degree of problem he would be able to prescribe him the medicines and dosages.

Generic Cialis is one such drug that has been able to make a mark for itself in a very little time after its introduction in the pharmaceutical market. Today, doctors prefer to prescribe its medication to all its patients as it is extremely effective and safe. With the approval nod from the FDA, this drug is going places ever since its development. And now, its generic variant can also be bought easily at any leading online or local drug store. Millions of men who have used it once or before swear by its hundred percent result.

Generic version of cialis is a relatively cheaper but equally effective drug designed especially to suit the pockets of men who otherwise cannot afford expensive treatment and medications. Generic cialis or tadalafil is known to be safe, affordable, accessible and effective drug which can cure erectile dysfunction within no time. Men buy Generic Cialis and its generic form from local or online stores across the world.

Generic Cialis is one such drug that has been able to make a mark for itself in a very little time after its introduction in the pharmaceutical market. Today, doctors prefer to prescribe its medication to all its patients as it is extremely effective and safe. With the approval nod from the FDA, this drug is going places ever since its development. And now, its generic variant can also be bought easily at any leading online or local drug store. Millions of men who have used it once or before swear by its hundred percent result.