Erectile dysfunction (ED) is a condition found all over the world in men of all ages. ED treatment is easy to come by and is fairly effective, but unfortunately, millions of men have to do without due to the fact that medical treatments such as Levitra are usually not covered by insurance. Although most people – including insurance companies – see impotence as simply a matter of inconvenience, the fact is erectile dysfunction can have serious mental, physical, and day-to-day life consequences. It would greatly improve the quality of life for many men if they had access to Levitra and other drugs to help treat their erection problems.
Insurance companies can be tricky. Every time you make a claim (meaning every time they pay for a prescription or doctor visit) the insurance company loses money. This means it is in their best interest to pay for as little as possible. Therefore, insurance companies will generally only pay for things they or your doctor deem medically necessary. Some things – such as vaccinations – instantly qualify, so there is no need for discussion. Other things are harder to determine, and will typically be reviewed on a case-by-case basis.
Erectile dysfunction is one such condition. ED is not a disease on its own, but rather it is a symptom of an underlying problem. Not only that, but there are multiple underlying causes that can lead to erectile dysfunction – some serious, others not so much. An insurance company is going to want to treat the cause, rather than a single symptom. Treating the cause may eventually solve your erection problems, but it will not be an immediate fix like it would be with Levitra. It is possible that you could get your medical treatment covered, but only if you are able to convince your insurance company that erectile dysfunction treatment is a medical necessity.
Another reason an insurance company may be hesitant to cover a drug such as Levitra is due to the fact that it is not a cure for ED. Levitra only provides results for a few hours, and then you have to take it again. This could potentially go on forever if you do not treat the underlying cause. For this reason many insurance companies are hesitant in offering cover for the drug as Levitra does not bring you to any type of resolution.
Finally, insurance companies might not want to cover erectile dysfunction medications due to their potential side effects. For some men, these drugs can cause heart attacks and other cardiac issues, back pain, nausea, and photosensitivity. Since these drugs are not a cure and cause side effects, the benefits do not always outweigh the risks for an insurance company.
Fortunately, patients with Medicare may soon be able to buy ED drugs if they are approved on a case-by-case basis. The drug still has to be considered medically necessary, but as long as that is the case, the drug will be approved. This is due to a law passed in 2003 – the Medicare Modernization Act. This new plan opens up a much larger range of drugs for people who need them.