No money, no meds

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Tirzah
Veteran Member


Date Joined Jul 2008
Total Posts : 2283
   Posted 3/25/2009 11:41 AM (GMT -7)   
I am really at the end of my rope & could use any support you all have to offer.
I am out of all of my meds & can't afford to get refills. I asked my doctor if he had any samples of anything, but apparently the reps are not handing out as many samples & some drugs are not sampled at all anymore (including the ones I'm on). I've tried for coupons. I tried applying for assistance. I tried applying for state aid. I've asked my family & my church & everything I can think of and ... nothing.

I'm just really scared to be in so much pain again. I can barely move. The free clinics will provide me medical care, but they don't offer pain meds. The only meds they give out for free are for infectious diseases. So I'm really caught between a rock & a hard place. I'm thinking of selling my car, but with the bus routes being cut back 50% starting next week and the fare prices quadrupling, I'm not sure how practical it will be to go job hunting without a vehicle. On the other hand, I am disqualified for all assistance since my car is worth more than $2K. I'm just really frustrated b/c I just spent a fair amount of money last year getting the engine fixed up & I feel fairly confident that if I buy a car with a lot more miles than mine (mine has 110K) then it might need a lot of work and I don't have money for that. It just feels so horrible to feel like I need to trade away my future just to get enough meds for the next couple of months.

I just don't know what else to do. shakehead

Danimal
Regular Member


Date Joined Mar 2009
Total Posts : 80
   Posted 3/25/2009 11:54 AM (GMT -7)   
Hi Frances:

I'm so sorry you are having to deal with this!

I wonder..does your state or local pharmacy have any prescription assistance programs? I know there are some out there..like Wal-Mart has a program where you can get prescriptions for $3. Also, some of the prescription companies have assistance programs..you may want to look into that?

Or what if your pharmacy were willing to work out a payment plan with you? Could you afford doing $10-$20 payment a month?

Are you a part of a church? If so..maybe you could talk with the priest or minister about a charity collection?

Or as a very last resort..do you have a credit card you could use on which you could make minimum payments? I know that isn't ideal but that would be better than you being in pain and would at least afford you the opportunity to possibly look for a job if your pain is better managed. How much money do your meds cost?

PAlady
Veteran Member


Date Joined Nov 2007
Total Posts : 6795
   Posted 3/25/2009 12:04 PM (GMT -7)   
Frances,
First I want to offer you a huge hug.

(((((((((((((((Frances)))))))))))))))

I know that won't pay for your meds, but that is to communicate to you I'm very close to being where you are, so I can understand the fear. I truly can.

I can't believe your state won't let you be eligible for anything because your car is worth more than 2k. Oh, wait, it's Illinois, right? (No further comment) In PA, they don't count your car or your home when they determine "need". thank goodness, although my car is 10 years old. Still, it's probaby worth around 2k.

I don't know if selling your car is the answer because you're right - how will you look for a job, and some jobs require a car. You are asking many sources; keep asking, pressing.

In the recovery act they're supposed to pay 65% of COBRA costs if you got laid off after 9/1/08 - or is it just the med. cost at issue? Have you tried that partnership for prescription assistance Montel Williams advertises?

I also thought I read that the recovery act was supposed to make some kind of smooth transition to Medicaid for the unemployed who ran out of COBRA (and maybe those who couldn't afford it?). But all the caseworkers might not be familiar with these things yet. I'd go to that site - I think it's recovery.gov - and see what's in the act that might be going into place.

If I can think of anything else I will. But know this - you're not alone. Want to move to PA?

PaLady

uniquelyme
Veteran Member


Date Joined Nov 2008
Total Posts : 1037
   Posted 3/25/2009 12:15 PM (GMT -7)   
Unfortunatley this happens to a lot of us. Sometimes I had to borrow money from friends to get my scripts and then they would usually ask me to give them some in return for the favor....That never happened, and they are no longer my friends. Now, I have to budget throughout the month because I know that it will be here soon. I am luckier than most, I only have to pay out $100 each time, but before I had insurance it was about $300. I know this isn't helping any, but I know that it will work out for you, it just has to..

Me.
 
We are all in the same boat...unfortunatley it seems like it's sinking...
 
Rhonda
Post Lamenectomy Syndrome
Hemi Lamenectomy
Spinal Fusion
 
120 mg. Methadone daily
60 mg. Oxycodone daily
Lyrica as needed 
 
Type 2Diabetes 
Metformin 500 mg. once daily
                                                                     

 


LLPLUV
Veteran Member


Date Joined Mar 2009
Total Posts : 1158
   Posted 3/25/2009 12:31 PM (GMT -7)   
I'm almost in the same boat.  I take 19 different medications.  The last two months I have had to make choices on which ones were more important.  I have co-pays on meds but they all add up.  I feel for you with all my heart.
 
Some of the answers you get I will need.  Thank you for posting this.
 
Have you thought about getting a title loan.  I know its a really really bad idea!  But you can get a small one and pay it back fast if you have some money resources coming in.  At least you can get your medications at that moment.
 
Sorry thats the only idea other than talking with a church.  They might have a member who deals with CP who might feel for you.
 
Laurie
 
 

Tirzah
Veteran Member


Date Joined Jul 2008
Total Posts : 2283
   Posted 3/25/2009 12:48 PM (GMT -7)   
PA-
It's just the cost of the meds that runs me almost $400/month. The Actiq alone is over $300/month. And, that is with insurance. Without the insurance, it would run me $1500/month. I've been able to make my premium payments so far (we do get the 65% match for COBRA), but it's pretty pointless when I can't afford the co-insurance on my meds.

What sucks is that IL law says that you can have up to $10K worth of jewelry & none of that counts, but heaven forbid you own a $3K car b/c you won't get any state aid. If that isn't a corrupt law, I don't know what is. mad

What's worse is that all seniors over 55 get free rides on the bus. There is no income cap & so there are plenty of wealthy individuals pulling in six-figure incomes working in the downtown business district who feel it is their god-given right to ride the bus to museums, fancy dinners & sporting events for FREE; meanwhile, those of us who are trying to just make ends meet can no longer afford to take the bus to work or to the store or such. If I could get my meds, I could ride my bike to the store, but what do I do about getting to work? Oh man, what a mess!

Danimal-
Thanks for the suggestions. The pharmacy plans don't cover my meds, only the cheaper ones, so I am stuck paying COBRA to keep the insurance plan I already have. If I weren't allergic to all the cheaper meds, it would have been a great suggestion. Only the larger chain pharmacies stock the Actiq & they don't agree to payment plans (probably for good reason. honestly, i'm not sure i'd be able to pay them back). I have talked to my church. No dice. I already used the "credit card payment plan". What a bad plan that was! My credit cards are all maxed out & my credit is ruined so I can't get any more. :(

Rhonda,
I can see how you would get to the point of promising to pay friends back just to get your meds for a little while. It may come to that point; I just feel like my friends are my most valuable possession & I don't know what I would do without them. They have helped me through so many tough times & I literally owe some of them my life. They are all struggling too right now, so to take what little extra money they have & know I couldn't repay it isn't something I can bring myself to right now. Still, things get harder by the day and actions I swore I would never take are seeming more and more possible by the moment. It is such a sad day when we (& I include myself) get to the point where we think of lying to friends and family to get money. I'm already in debt to my family & they won't help me out any more. It is such a tragic situation when an individual gets to the point where they are willing to sacrifice their relationships just to get some medicine.

BigLucy
Regular Member


Date Joined Mar 2007
Total Posts : 413
   Posted 3/25/2009 12:56 PM (GMT -7)   

Try this resource, I know nothing about them, but it's something I came across:

Partnership for Prescription Assistance (PPA): 1-888-477-2669 or www.pparx.org


PAlady
Veteran Member


Date Joined Nov 2007
Total Posts : 6795
   Posted 3/25/2009 1:00 PM (GMT -7)   
frances,
I've got to get offline now, but I had to comment on your last paragraph. I feel so much like I've compromised my integrity because I've had to be less than truthful in a couple of instances, although not to family or friends. My cousin is paying my COBRA and I told her from the beginning I had no way of paying her back, and she understood it was a gift, not a loan. If your friends have anything extra they can give you, then be honest with them that you probably can't repay it, at least in the near future. I'll bet they know that. At least that preserves the friendship, and if they can do without the money they probably wlll. And if they can't, you won't feel guilty for taking food off their table.

I can't believe the Illinois law! Well, maybe I can, all things considered in that state (sorry!! - but you know). In PA, they don't count your car or home, BUT you can't have more than $1,000 in cash and valuables. So I know I'll have to wipe out my entire 401K (it's almost gone anyway) before I can get cash assistance. But the amounts for Medicaid and energy assistance and food stamps are higher, and I've already applied for the energy assistance.

It is scary. I know. I know. The only good thing - you're not alone. At least not here.

PaLady

papasgirl
Regular Member


Date Joined Apr 2007
Total Posts : 44
   Posted 3/25/2009 1:01 PM (GMT -7)   
hi there
 
 wanted to tell u i am sorry but i know how u feel with all this i went to get my meds last time to find out that my insurance was expired or something so i couldnt get them. i work but still cant afford to buy them out of pocket it would be over 500.00 a month so i had to use our credit card for 2 of them and now i am out of 3 of the meds i take on a regular basis. its scarey to run out of meds because u are supposed to come off of things slowly plus with chronic pain it hurts like crazy. im not sure how things are in your state but here sometimes if u go to a salvation army they will help u either maybe with the meds or atleast maybe they can help u with like your light bill so that u would have that money for your meds. its something to check into if u can. i wish u lots of luck and let us know how it works out ok.    
 
                                                       ~papasgirl :-)
fibro,arthritis,many spinal problems,herniated disk,bone spurs,muscle spasms,chronic neck and low back pain,chronic fatigue,anxiety,panic attacks,depression,ect hahaha i think thats enough now lol
 
3rd degree burn all over back and sides skin graphed also surgery in jan 07 for perforated diverticulitis and a surgery in april 07 to do an ostomy reversal 
 
meds: percocet,ativan,lodine,protonix,cymbalta and benadryl


Danimal
Regular Member


Date Joined Mar 2009
Total Posts : 80
   Posted 3/25/2009 1:29 PM (GMT -7)   
Hi again:

I found a few websites for you to take a look at. The first is from the makers of Actiq. They do have an assistance program but I'm not sure if it includes Actiq..it may be worth a call though.

http://www.cephalon.com/patients/patient-assistance-programs/

Here is a website for an Illinois assistance program.

http://www.rx4illinois.org/

And a national assistance program..

http://www.scbn.org/?gclid=CKP5ioPzvpkCFQwDGgodAQL95g

If you can't find help to pay for the Actiq..maybe one of these programs could help you pay for some of your other meds to at least offset some of your costs?

I'm really disappointed that your church won't help you. rolleyes

Danimal

Come visit my blog- Chronic Stimulation- a diary about living with a newly implanted neurostimulator

www.chronicstimulation.blogspot.com

Jules22871
Regular Member


Date Joined Jan 2006
Total Posts : 142
   Posted 3/25/2009 1:31 PM (GMT -7)   
I am like you Francis. I dont' have any insurance and it really has been hard to get my meds. I use Walgreens over walmart because Walgreens will cover pain meds and walmart doesn't. It cost me $20 initially to join the prescription program but I now get all my meds, 3 month supply, for $12 each.

Here is the guide for what Wlagreens covers https://www.walgreenshealth.com/common/pdf/PMLCategory2008.pdf

Here is the one for Walmart http://i.walmart.com/i/if/hmp/fusion/genericdruglist.pdf

I actually use Walmart when I have to have an antibiotic though since Walgreens is based on 3 months supply and who gets antibiotics for 3 months at a time,lol

I used to do the billing for a doctor. Part of what I did was to contact drug companies and get discounted or free meds for our less than fortunate patients. I know that Astra-Zenaca still does this and I'm sure that others do too. Try searching online and email the different companies and see if they will help you. I wish the best for you!
Motorcycle wreck 08/2004: 119 fx, 13 surgeries with more to go, including 5 bone grafts, 2 skin grafts, pelvic reconstruction x2. Right leg is 1.5" shorter than left. Have to wear knee brace for life and also AFO brace for drop foot. Nerve damage from hip down to toes, nerve pain in lower leg. Spinal fusion. Will be on crutches the rest of my life. Pain level never below 5 even on pain meds. Since August 2007 I have been diagnosed with chronic atelactesis, tachycardia, high blood pressure, borderline personality disorder, depression and Delayed sleep phase syndrome


Tirzah
Veteran Member


Date Joined Jul 2008
Total Posts : 2283
   Posted 3/25/2009 5:08 PM (GMT -7)   
Wow! You all are so wonderful.
I have tried so many of those ideas already -- pparx, RxIllinois, Salvation Army, ComEd Cares, Warm Hearts/Warm Homes, Cephalon's program, all the local pharmacies' programs. It really is depressing. :(

But there are a few new ideas that I will try. What's frustrating is that I was out sick on extended leave, but didn't qualify for LTD insurance, however, since I was enrolled in an LTD plan, I could not qualify for any other type of insurance or financial assistance. Cephalon's program is exclusively for people with no insurance whatsoever. RxIllinois does not cover pain meds unless it's for cancer or something like that. Because I had no income at all & could not get any assistance from family members, the utility programs will not let me qualify for their programs (very frustrating since it was not an easy application process). And then I come to find out that food stamps & rxIllinois have this stupid requirement that you can't own a reliable vehicle. ARRRGGGH! So aggravating. Heck, if I had $10K (or even $300) worth of jewelry, I guarantee you it would already be sold. I guess it's probably designed so that you don't have to hock your wedding band, but it's still pretty aggravating to me that jewelry is okay, but a working vehicle isn't. I'm scared to do a title loan since I don't have any money coming in & am not sure I could pay it back. I feel like I would be way better off just selling my vehicle vs. losing it to a title loan company at only 50% of the value. I did look into that, though. It's just not having a job makes everything so unpredictable.

Salvation Army does not have enough donations to help people who are not homeless. Once I lose my home, they may be able to help me, but donations are way, way, way down. Catholic Charities is the same. My own church is very, very small. There are only about 20-25 families and they are very poor. I love inner-city ministry, so that is why I got involved with the church, to give to others. Unfortunately, that means that now that I am down on funds, I don't really have anywhere to turn. I do get food from the food bank that they run (which is a huge blessing), but that's really all the help I can get. They're going to see if they can help me out with some quarters so I can do my laundry, but even that is iffy. Things are really hard right now & I get that. I wish I could be in a better position so I could help other people out of their tough times, but at this point, I just can't.


I do appreciate some of the new ideas that you all shared. I need to just keep at it. I "only" need to find another $850 and then my insurance will pick up 100% of the cost for all prescriptions & medical care for the rest of 2009. I am trying to rent out an extra room in my condo & have been hired by a temp agency (if they ever get any jobs in) so there is some possibility of getting a little money in through one of those routes. It's all just so frustrating. I'm getting desperate with the job hunting. Heck, even those forestry jobs are starting to look pretty sweet. (lol) No, seriously though, they are! Hopefully, I will find something soon. It's so hard, especially being in all this pain, to go job hunting. It seems like any time there are a few jobs open, thousands of people line up at the crack of dawn for them & they're filled before you can blink. Yesterday, 4000 people stood in line for 12 hours to apply for one of 300 jobs at a new hotel. The jobs pay minimum wage or less. I wouldn't even care about the minimum wage, but I can't really see myself getting up at 2am, standing in line wearing dress shoes outside on the sidewalk in 30F windy weather from 4am - 4pm and then being in any shape at all to give a decent interview. How am I supposed to compete with that?! It's like a boot camp level endurance test just to win a 3-minute interview!

Well, I'm off to try out some of your ideas & also to keep looking for jobs. Don't have a moment to lose since last month I lost out on one of 15 DOJ jobs that were posted. They said they were looking to fill them by next September, but went to one of those god-forsaken job fairs (only a 10 hour wait for that one, but no guarantees that after those 10 hours that you would actually land an interview) and filled all 15 openings in one fell swoop. If this keeps up, I think I will have to start self-identifying as disabled, even though I don't need much in the way of accommodations on the job, just b/c of the physical stamina required to land an interview.

No money = No meds = No energy = No job = No money

PAlady
Veteran Member


Date Joined Nov 2007
Total Posts : 6795
   Posted 3/25/2009 6:10 PM (GMT -7)   
Frances,
Yes, a vicious cycle. And it's so wrong that you can have jewelry but not a car!

Hey - could you put the car in the name of a family member or trusted friend? It's just a thought. Would be better than losing it.

I wish I had extra money I could loan you. Is there anyone who could loan you the $850? That would solve your medication problem.

Here's the worst case (well maybe not, who knows) that I tell myself: there was a long time when my doctor wouldn't give me any pain meds. I hurt a lot, took a lot of OTC meds, then my PCP finally gave me 2 vicodin/day (one of which I used at bedtime). I think what I'm trying to say is that I tell myself that somehow I can survive the pain again if I can't get meds for awhile. I absolutely need the meds for my seizure disorder, and fortunately they're pretty cheap, so I know at worst I can ask my cousin to pay for those, and there are some prescription plans via the epilepsy foundation that would help. For the rest of my meds I may have to go without for awhile, and I'm trying to tell myself I can do this. It will not kill me. It will be hard, but it will not kill me, and it will not last forever. I don't know if that helps you for me to say that, but that's how I'm preparing myself for once my COBRA runs out.

You are not alone. I think the worst thing for me would be to not have access to a computer so I could at least "talk" to all of you here!

PaLady

Pete trips again!
Veteran Member


Date Joined Nov 2006
Total Posts : 1899
   Posted 3/25/2009 6:50 PM (GMT -7)   
Oh Frances, I'm so sorry this is happening to you. What is happening to this country? How come there are no jobs and so many people are down and out? It makes me want to scream! I don't have any answers for you, I wish I did but my home e-mail adress is pwsansone at bellsouth dot net send me an e-mail and I'll look for it tomorrow. Maybe there is some way I can help you.
Your friend,
Pete

(Pete, I reworded your email address so all of those nasty web crawlers can't harvest it and start spamming you)

Post Edited By Moderator (Chutz) : 3/25/2009 11:11:38 PM (GMT-6)


Pamela Neckpain
Veteran Member


Date Joined May 2008
Total Posts : 1821
   Posted 3/25/2009 8:51 PM (GMT -7)   
Frances,
I am sorry.
Terrible financial things are happening to me.
It's a sad, sad, situation.

You take Atiq? My problems would be over with Atiq. (I guess)
Can't come anywhere close to paying for them. I have good insurance
too.

Pamela sends sincere regrets
MEDICAL CONDITIONS

Osteoarthritis all levels of spine right down to Coccyx,Spondilytis,Myofascial Pain
Fibromyalgia,Bulging Discs,Spinal Stenosis,Scoliosis,Osteopenia,Chronic Constipation
Carpel Tunel Syndrome, Attention Deficit Disorder,
Depression & Anxiety

Methadone for Pain, Xanax for Anxiety, and more, of course.


skeye
Veteran Member


Date Joined Mar 2008
Total Posts : 2976
   Posted 3/25/2009 8:52 PM (GMT -7)   
((((((((((((((Frances))))))))))))))))). I don't have much to add, unfortunately, but I did want to give you a big hug! I hope something good comes your way real soon!!

Skeye

Tirzah
Veteran Member


Date Joined Jul 2008
Total Posts : 2283
   Posted 3/25/2009 9:09 PM (GMT -7)   
Pete, my friend,
I copied down your email. I think it's against the rules to post them anywhere except your profile. I know you're recovering from surgery right now & probably didn't remember so I thought I'd remind you. I have a dr's appointment tomorrow, but I will write you either tomorrow or Friday.

PA,
I am trying to hang on to my internet connection as well. Everyone knows my email address (including potential employers), so I don't really want to lose it, but if I have to, I have to. There are a lot of services out there that offer free internet services for all kinds of reasons & I'm pretty sure I would qualify for one of them. I'm sure there is something we could find for you too, if it comes to that. Please let me know if you ever need that & I will get you some information. They are slow, dial up connections, but at least they will get you on the web. :) Also, I heard the weatherization money is supposed to funnel down to the states by the end of April, so I will say a special prayer for you to get your home weatherized.

Oh man, I'm telling you, we are all just getting all of the bad parts of life out of the way, so there must be something really great waiting for us just around the corner, right? I may have to crawl inch by inch to get there, but, darn it, I am not going to miss whatever prize is waiting for me. :) I will add it on to the pile with the eggs from our golden goose (those should count as 'jewelry', right?) and we will live like queens! :)
________________

blessings to you all,
frances

edt
Veteran Member


Date Joined Dec 2008
Total Posts : 773
   Posted 3/25/2009 9:14 PM (GMT -7)   

Frances,

Have you contacted the Drug Company directly....I know some of them offer free meds if you do not have Insurance or $$$.  Your Dr. can help you with this by contacting the Drug Rep for you and asking if they offer this program!  When I worked we did this for several of our patients.  It would be worth a try!

((((((((((((((((((((FRANCES)))))))))))))))))))))))

XXOO
Patti


PAlady
Veteran Member


Date Joined Nov 2007
Total Posts : 6795
   Posted 3/25/2009 9:59 PM (GMT -7)   
Frances,
I already have a slow dial up, so it wouldn't be anything new! LOL I get an AARP discount which helps, but hopefully I'll be able to keep up something. I'll let you know if that goes, though, and get any info. you have. Our libraries give free computer access, but I'm not sure if that includes e-mail. Not sure I'd want to put my personal stuff on their computers either. But I do have some cousins that live close by I'm sure I could go over there a couple of times a week, but it wouldn't be the same as having it at home.

I saw an ad in our local paper for weatherization people and it scared me how little experience they were requiring (like almost none!). I know the agency that does that, too, and I guess I would almost be scared of some of the people that would gain access to my house, etc., but we'll see. Maybe it'll be good to wait until they all get more experience! LOL But the local city is gobbling up everything they can for the Housing Authority and I don't really blame them. I'm still waiting to hear if I qualified for the low income energy assistance. I just sent them tax returns (UGH - privacy is shot). If I do, I'm going to (GULP) check on my eligibility for food stamps. Every little bit. But it just eats at my guts. Never, ever did I expect to be in this position after working my entire life. And like you, my credit it shot because of having to put health related costs and car repairs on it over the past few years.

You're right we may be crawling but we'll get to those eggs! But don't report them to your state welfare department because they may be worth more than 10k!!!!

BTW I heard Blago was a sub radio host for one of your local shows today. He really should be in entertainment!

((((((((((((((((((Frances)))))))))))))))))

PaLady

fatherjohn
Veteran Member


Date Joined Feb 2009
Total Posts : 999
   Posted 3/25/2009 10:37 PM (GMT -7)   
Frances, my email address is in my profile. Please send me an email if you can.

ryand
Veteran Member


Date Joined Dec 2007
Total Posts : 639
   Posted 3/25/2009 10:42 PM (GMT -7)   
Frances:

This is a mid-week post for me, so it has to be short, but I just needed to send you the biggest, gentlest hugs I could muster, dear.

((((((((((((((((Frances)))))))))))))))))

It is a horrible situation you find yourself in, and I can only imagine how frightened and overwhelmed you must feel right now. The law on the car thing is just plain absurd - especially in light of the jewelry rule, but it is what it is for now at least. I think you are right to be hesitant to sell your car given the transportation limitations that would impose upon you. Of course traveling by mass transit is even more of a difficulty for those of us with chronic pain conditions, so that makes having a car even more important I think. I also think you never really get the full value when you sell a car, and that makes me think that perhaps the money you'd get from a sale now would only tide you over for a very short time and then you'd be right back in the same place.

I was thinking... is there someone you know and trust enough that you could work out a title transfer without actually selling the car? I mean that you would sign over the title of the car into someone else's name but you would retain ownership through verbal contract. Then the state could not account the vehicle to you but you would still have it as a means of travel. Of course you'd have to really trust that person...

Come to think of it, the value of the car is determined by the sale price of it, right? Can't you sell it for whatever you wish? If you know someone trustworthy, could you "sell" it to them and have them then "sell" it back to you (maybe at a later date to avoid suspicion of any kind) at a price less than the state's $3K limit? That wouldn't need to be actual money changing hands, but just title transfers. Wouldn't that lower the assessed value of the vehicle? smilewinkgrin

Ry

Tirzah
Veteran Member


Date Joined Jul 2008
Total Posts : 2283
   Posted 3/25/2009 11:04 PM (GMT -7)   
Thanks, Patti,
Yes, I have contacted Cephalon on several occasions. They don't offer any assistance with the Actiq. They do offer help for Fentora, but only to people with no insurance at all. I have called them. My doctor's office has called the rep & the company. I have also tried to get secondary insurance to cover the difference & see if they could get Cephalon to help me out. I tried the generic manufacturers for Actiq, even though I knew that was a long shot. No dice on all accounts.

I am scared to let my insurance lapse b/c I have a rare neuro condition, in addition to the CP, & between the two I run up tens of thousands of dollars worth of medical bills every year. If those two pre-existing conditions were to be excluded, I don't know how I would function at all b/c I would have no medical treatment for those conditions for 12 consecutive months on a cafeteria plan & could have them excluded for up to 36 months on an individual plan. So, it's just really tough.

My insurance does cover 80% of the cost of the medication & I have no co-pays, just co-insurance. My PM is amazing & has said that as long as I bring in at least $5/month that I can keep seeing him at least through the end of this year. I have a $600 tab with him, so that is really a very generous blessing. Still, until I reach my $3K out of pocket maximum, I need to pay 20% on all my meds. I have stopped the Lunesta (though occasionally my doc gets some samples of that & Sepracor lets me have some extra coupons sometimes as long as I don't get too greedy). I got a little bit of money from some odd jobs to cover the $30/90-day supply of my Lyrica which is coming soon. But the Actiq is just really expensive. I have literally tried every single other narc out there except Methadone & am allergic to them all. I don't even tolerate Duragesic. I got huge welts around the application site & OD'ed on the 25mcg patches. I could maybe try the 12mcg patches, I'm just a bit worried that if something goes wrong, I don't have any way to handle it. I don't even have $50 for an visit to the ER. Plus, even the generic Duragesic patches cost about $50/month. Granted, that's a lot better than $300 for the generic Actiq, but if I don't tolerate them then I wasted money that could have gotten me 5 days worth of Actiq which is definitely better than nothing.

I am hoping to get a little money from my former employer & perhaps my tax refund will come soon. If everything works out perfectly, I can mail order 90 days worth of my Actiq at half-price & then I will be set for a while. It's just trying to get to that point. It seems like every time I think I finally have a plan that could work that something else goes wrong & I have to dream up a new plan. Perhaps it's overly simplistic to think so, but I just feel like if I could take my medication every day without having to worry so much that I would at least have a fighting shot at landing a job, and jobs make a lot of things better. I really want to work & could do so if I could just get my medication in order.

well, maybe someday. :)

Tirzah
Veteran Member


Date Joined Jul 2008
Total Posts : 2283
   Posted 3/25/2009 11:22 PM (GMT -7)   
Ry,
We think so much alike, but the value of the car is determined by Kelly blue book. I have been thinking about being on title together with someone else. It costs money to transfer title outright, but I could add another person & then I would only own half the car, which would be under $2K. I'm not sure who I trust enough to do that, but I'm thinking on it. :)

PA,
You can get a free email account through google (gmail.com) or hotmail (hotmail.com). I would say to go ahead and open one up today so that you can start sending it out to people. Then, when you switch to a free dial-up service you don't have to worry about whether or not they provide email. :) Also, doesn't your state provide a list of authorized weatherization people for those who are getting assistance? We have that here & I still double check with the BBB & friends, but at least it's a start and you can know they have at least some qualifications. Uggghhh- Blago :( All he did was complain about the 50% income tax hike. Well, he ran our state into the ground. We have no money. We can't borrow money. What are we supposed to do? Such a sad day to be an Illinoian.

Pamela,
Better to stay on the methadone. Actiq doesn't solve any problems. I would much rather be on just about any other medication, but I am so allergic to everything. Mostly, my pain is pretty well controlled right now. Between the Radio Frequencies & the Spinal Cord Stimulator & all the Physical Therapy, I am in better shape than I have been in for a long time. The surgeries definitely paid off, but they haven't gotten me to 100% yet, so I still need something. If I weren't so allergic, I could probably just take Vicodin or Ultram for the pain. I am on a very low dose of Actiq & am trying to cut back even further. It is so nice to finally feel less pain, but there were plenty of times when I was on way more Actiq than I am now (prior to surgeries & PT) & in order to get to less pain I would experience quite a bit of sleepiness/fuzziness. It's been a long road & though I am grateful that at least the Actiq does exist, I don't want you to think that it solves any problems. What's helped me the most have been all the non-drug treatments. The Actiq just closes the gap between the 80% recovery & getting close enough to 100% that I can work and play like a "normal" gal. :) Hope all is going well with you & your series of MRI's. I've been praying for you.

Skeye & everyone else,
Thanks for the hugs. :) ((((hugs right back at you))))

-frances

Jules22871
Regular Member


Date Joined Jan 2006
Total Posts : 142
   Posted 3/25/2009 11:27 PM (GMT -7)   
Francis, your situation just makes me cry. I feel so bad for you and the I really wish I could do something to help. Have you tried getting your meds from a Canadian Pharmacy? Back when I had my last pelvic surgery I had to have lovenox shots for 4 weeks. To get them here locally it was going to be over $1300 dollars. I got them from a Canadian Pharmacy for $440. Still a lot of money but much better than getting them locally. The one I dealt with was great. They let me email them the script and took a check over the internet. I had them in less than a week. It's just a thought. I wish the best for you and and hope things work out for you soon.
Motorcycle wreck 08/2004: 119 fx, 13 surgeries with more to go, including 5 bone grafts, 2 skin grafts, pelvic reconstruction x2. Right leg is 1.5" shorter than left. Have to wear knee brace for life and also AFO brace for drop foot. Nerve damage from hip down to toes, nerve pain in lower leg. Spinal fusion. Will be on crutches the rest of my life. Pain level never below 5 even on pain meds. Since August 2007 I have been diagnosed with chronic atelactesis, tachycardia, high blood pressure, borderline personality disorder, depression and Delayed sleep phase syndrome


Tirzah
Veteran Member


Date Joined Jul 2008
Total Posts : 2283
   Posted 3/25/2009 11:58 PM (GMT -7)   
SR-
Awwww, please don't cry for me. I will find a way out. We all will. We just need to lean on each other & learn from each other & we will all get through this and be much stronger for it.

You're so sweet to suggest that, but Actiq is a narcotic drug & prescription narcotic imports are strictly regulated by the DEA. I think there might be different rules for non-narcotic drugs like Lovenox (not positive). I imagine you weren't even aware of the law & were just trying to share helpful advice. I just want make sure that it doesn't start a debate about importing (which is against the Forum rules). I need to limit my options to those that aren't specifically prohibited by U.S. law. ;)

(hugs),
frances
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