Will my insurance company cover my prescription for Viagra?
Friday, May 23rd, 2008In the past, most medication plans from insurance companies did cover other drugs used for treating erectile dysfunction, such as the vasoactive drugs for penile injection. When Viagra first became available in early April of 1998, many insurance plans initially covered all prescriptions with a "wait and see what effect Viagra has on the cost of prescriptions for the individual plan." It did not take long for the insurance plan administrators to realize that the cost for most plans was going to be substantial.
The response from insurance companies has varied from an absolute rejection of all Viagra coverage to one of covering Viagra cost, provided the prescribing physician writes a letter supporting the medical necessity of the Viagra. The problem with the latter approach is that there are a number of patients who are not diabetic and who are not post-radical prostatectomy, or post some other type of illness or injury where the etiology is clear-cut. In those individuals without a clear-cut etiology, yet individuals who have a physical problem due to their erectile dysfunction complaints, individuals who have been using penile injections as the only means of achieving an adequate erection have often seen their request for insurance coverage of their Viagra fall on deaf ears.
Medicare does not have a drug plan as such and has never covered oral prescription medicine. On the other hand, Medicaid historically has had a drug formulary of covered medicines. Medicaid patients are expected to pay a very small co-pay with each prescription. Other drugs such as papaverine or Caverject, which are used to treat erectile dysfunction by their application with penile injections, have never been covered in the past by Medicaid. Whether Medicaid should now cover Viagra or not has been a question that has received a lot of opinions on both sides. Certainly, one could make the argument that indigent patients should have access to the same care as those non-indigent patients, even though the total numbers of purely Medicaid covered males with erectile dysfunction is, I think, much smaller than some of the projections we hear from state Medicaid directors.
In my own practice, which covers a cross section of individuals, I see very few purely Medicaid patients. Most of the patients I see with Medicaid are elderly who have a combination of Medicare and Medicaid. So now we have a situation with Viagra where Medicare and Medicaid have not covered the drug and most private insurance drug plans which initially started covering the drug now have placed a lot of restrictions. So where do we go from here?
Fortunately, for the short term, the majority of patients can afford to pay for the drug out of pocket. Looking at the cost from a longer term perspective, I see no reason that the insurance plan actuarial staff could not come up with an option for individuals who wish to have coverage for Viagra or any other future erectile dysfunction medication. This plan could be modeled after the plan currently used for childbearing age females, where the insurance does cost more in premiums for "maternity care."
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