Does Health Insurance Cover Viagra?

Viagra is an FDA approved treatment for male impotence. Since it was approved in 1998, it has become one of the most used prescription medications in the United States. While it is highly effective, this medication is quite expensive. With that said, if you are in need of Viagra, you are probably wondering if the medication is covered by your health insurance.

Below, we take a closer look at this question so that you can find out how to get an affordable prescription.

It’s a Non-Essential Treatment

does health insurance cover viagraThough erectile dysfunction is a very common part of aging (affecting more than 30 million men in the United States), treatments that are available for this condition, including Viagra, are considered non-essential. In other words, in the eyes of most insurance providers, Viagra is not a necessary medical treatment and as such, they will not cover the cost of this prescription medication.

With that said, there are health maintenance organizations (HMOs) that to cover part of the cost of the medicine, which could help you avoid paying the full cost out of your own pocket. However, there is a downside to an HMO, and that is the high cost of co-pays that are associated with these health care plans.

Is Viagra Ever Covered by Health Insurance?

There may be situations where Viagra will be covered by a health insurance company. If your doctor can prove that the medication is, in fact, medically necessary, and that taking it will drastically improve your life, than instead of being considered a non-essential medication, it will be considered an essential medication. Medications that are considered medically necessary are covered by health insurance plans.

But, it should be noted that it can be difficult to prove that Viagra is medically necessary, so it can be difficult to have your health insurance cover the cost of this prescription medication.

The Cost of Viagra Without Health Insurance

Since most insurance companies will not cover the cost of Viagra, the majority of men that use this treatment pay for the cost out of their own pocket. If you are taking this erectile dysfunction prescription medication, you have likely noticed that the cost is exceptionally high. Depending on where you are located and where you are purchasing the medication from, the cost of just one pill can range between 10 and $25. Since it is so expensive, many men simply cannot afford to take a pill every time they plan on having sexual intercourse.

Ways to Save Money

There are ways that you can save money on the cost of Viagra. Many men opt to take only half or a quarter of the pill before they plan on having sexual intercourse. Taking a smaller amount can prolong the medication, reducing the cost; however, there is a downside to this method, and that downside is that it may not be effective. Depending on the dose that you are taking and the unique circumstances of your condition, if you do not take a full dose, the medication may not be effective.

There are other medications that are on the market that are also designed to treat erectile dysfunction, and these medications tend to be a lot less expensive than Viagra. For example, there are generic versions of the medication, and the price is a lot less than the name brand. Two generic options include Levitra and Cialias. Both have been approved by the FDA to treat erectile dysfunction, and many men do report that they are effective; however, some men find that these generic medications are not as effective as Viagra.

Another option is to purchase Viagra or another erectile dysfunction medication on the Internet; however, this option is not recommended. While these medications may be more affordable, they may not be safe. Even if a Viagra pill or another erectile dysfunction medication appears to be real, there is a very good chance that it could be fake; especially if it is being sold at a very inexpensive price. Despite efforts to control the sale of counterfeit drugs in the United States, the fact is that they are still sold, and they can have dangerous repercussions.

How to Find Out About Coverage?

If you want to find out if your insurance company will cover the cost of Viagra – even if it’s just partially covered – speak to your insurance provider. You can also speak to a reputable insurance agent to find out if there are plans available to purchase that will cover the cost of this prescription erectile dysfunction medication. Remember that you can carry several different insurance policies, and there are plans available that will cover some of the cost of this medication.

The Bottom Line

If you are suffering from erectile dysfunction and would like to take Viagra, there are ways that you can purchase this medication at a more affordable price.

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