no insurance, need meds

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heatmiser
Veteran Member


Date Joined May 2003
Total Posts : 1669
   Posted 1/18/2012 9:44 PM (GMT -6)   
So I find myself without insurance coverage and about to run out of meds. Haven't had to deal with this before so I'm looking for advice. Do I just call up docs and find out what they charge for people without coverage? I don't have enough money as it is so I'm hoping to find a doc who won't gouge me with prices. My docs were all part of Kaiser so now I have to find new docs to get meds. This blows. I'm feeling so depressed and worried and like somehow I won't be able to keep myself healthy without adequate coverage.

Any ideas on survival without insurance?

bella3250
Regular Member


Date Joined Aug 2008
Total Posts : 351
   Posted 1/18/2012 10:06 PM (GMT -6)   
Sorry to hear about this tough time right now.  I don't know where you live but are you eligible for some sort of Medicaid Insurance?  I don't know the reason behind your not having insurance, whether it's due to your job doesn't offer it, you lost your job, or you're retired.  Whatever the reason I would call your local Social Services and find out if you're eligible for any state aid.  You definitly need to stay on your meds.  I hope it works out for you.  :-)

yeahbuddy
Regular Member


Date Joined Jan 2012
Total Posts : 24
   Posted 1/18/2012 10:08 PM (GMT -6)   
I have the same problem. My insurance just ended and i ran or of medication too. I got a couple suggestions.. one was needymeds.com, and also someone mentioned trying either walmart or wagreens prescription plan. But other than that were in the same boat and I'm not entirely what to do either. Its a difficult and scary position to be in, but there have to be options right? Maybe medical assistance through the county or state funding?

cupcakespinkgal
Veteran Member


Date Joined Jun 2010
Total Posts : 720
   Posted 1/18/2012 10:49 PM (GMT -6)   
It kind of depends what meds you are on for what options you have. I spent most of 2011 without insurance and these were the things I did. One see if your area has any public health clinics. Some cities have good options, one near where I live has family medicine, obgyn, and gastro. They take medicaid or sliding scale for those with no insurance, so depending on your income you can see most docs for just $25 a visit.

For my maintenance meds I got samples from my doctor. For the meds I didn't have samples I found an online pharmacy discount card and it really discounted some of my meds, at least 60%. I have the info somewhere but I will have to look for it and post that later.

I also applied for financial assistance at the hospital I go to and I was approved for 100% financial assistance for 1 year.

Now I qualified for a lot of this because I was unemployed at the time. But a lot of hospitals have discounted assistance for lots of levels of income.

Also some of the drug companies of the meds we use have financial assistance or discount pharmacy cards.
Diagnosed with Crohn's in 1998, father has UC we were both diagnosed at 20 yrs old. Diagnosis changed to UC Sept 2011

Meds ~ mesalamine enema every other night, 10 mg Prednisone, 4 Lialda/day, weekly Humira
Supps ~ Chia Seeds, folic acid, D3, K2, Flintstone vitamin for iron.

cupcakespinkgal
Veteran Member


Date Joined Jun 2010
Total Posts : 720
   Posted 1/18/2012 11:21 PM (GMT -6)   
I found it. There is a discount card available on honestdiscounts.com. When I first found it I thought it might be a scam. But my friend who was a pharmacist new about it. I signed up and haven't gotten any spam or solicitation from it and it works. The only thing is the discount can vary from month to month, but it was always still a substantial discount and the pharmacist could check the price for me before I filled it.

The med I was taking at the time was usually around $180 - $210 retail. With this card I could usually fill it for around $60 - $70.
Diagnosed with Crohn's in 1998, father has UC we were both diagnosed at 20 yrs old. Diagnosis changed to UC Sept 2011

Meds ~ mesalamine enema every other night, 10 mg Prednisone, 4 Lialda/day, weekly Humira
Supps ~ Chia Seeds, folic acid, D3, K2, Flintstone vitamin for iron.

JasonCPhT
Veteran Member


Date Joined Jun 2006
Total Posts : 618
   Posted 1/18/2012 11:46 PM (GMT -6)   
This is an awesome site to go to for medication discounts and applications to individual drug company's assistance programs.

http://www.needymeds.org

I used it all the time for people when I worked in the pharmacy and in a doctor's office.
Dx: 2005

Humira, Pentasa, Prednisone (40mg/day), Omeprazole, Ambien

conmire
Regular Member


Date Joined Jul 2011
Total Posts : 245
   Posted 1/19/2012 6:14 AM (GMT -6)   
I know ecactly how you feel..even with private health insurance here it doesn't cover the cost of meds ....we do however have a Govt scheme whereby once you spend 132euro in a calender months on meds anything after that is free, my meds come in just under this so i have to pay all the time, the only time i benefit is if something else goes wrong and need meds for that, good luck with it,Slainte
49 yr old female....Ireland
Married with 4 children

osteo-arthritis (both knees need re-placing) 3 arthoscopies
Taking zydol/---
Crohn's...colonoscopy and GA...

Asacolon 800mg x 3 times daily....Probiotics....Calcium 800mg daily...Vitamin D 5ug daily,cod liver oil 550mg

A few bacardis and diet cokes on saturday night with my lifelong friends and lots of love and laughter.....

Slainte.

Conor
New Member


Date Joined Jun 2012
Total Posts : 2
   Posted 6/3/2012 3:45 PM (GMT -6)   
Heck, just seeing a GI Doc can be frustrating. Last January I called my GI's office and was told it would be $200 just for an office vist, talk about being gouged. I have only gone to a free clinic and my regular Dr since who only charged $65.
Will finally get Ins in July and hopefully a colonoscopy.

petittarte
Veteran Member


Date Joined Apr 2006
Total Posts : 664
   Posted 6/3/2012 5:03 PM (GMT -6)   
1. No discussion of any illegal activity or threats of violence (ie. illicit drugs, including medical marijuana, threats of suicide, self-injury, or physical harm). Discussions of suicide and self-harm are not permitted.


Sorry, HW is not the place to promote illegal activity. This is the very first rule for the forum. Thanks for your understanding.

Post Edited By Moderator (Roni) : 6/5/2012 2:59:40 PM (GMT-6)


gumby44
Veteran Member


Date Joined Nov 2007
Total Posts : 2807
   Posted 6/3/2012 5:23 PM (GMT -6)   
Jodi's idea sounds highly illegal. If you call the drug company that produces the medication you need, they usually have prescription drug programs if you do not have prescription coverage. (I'm assuming you are in the US) I was getting my Pentasa for free for awhile when I did not have coverage. Maybe your previous GI can prescribe for you until you can afford to go see someone new. I don't know what your situation is and if you would be eligible for SSI, which would give you Medicaid or SSD, which would give you Medicare, but not until after two years. If you are not eligible for disability, can you afford to at least buy catastrophic coverage which would cover hospitalization, and then you would still have to pay for your doc visits? Another option obviously is to get a new job that has insurance, but I'm sure you would be doing that if you could already. The health care system stinks in the US....I'm sorry you are in this position. I also don't know what is currently going on with your Crohn's presently, but Prednisone is very cheap if you are in a flare. Good luck.
53 yr. old female, diagnosed with Crohn's in terminal ileum Sept-Oct. 2007. Also have IBS. Disease spread 12/11 to distal ileum. Dx. with c.difficile and gastroparesis 1/12.
MEDS: Pentasa- 6 500mg pills per day, Omeprazole, Metamucil, colace, miralax as needed, Florastor probiotics

petittarte
Veteran Member


Date Joined Apr 2006
Total Posts : 664
   Posted 6/3/2012 6:58 PM (GMT -6)   
Edited.

Post Edited By Moderator (Roni) : 6/5/2012 3:00:06 PM (GMT-6)


gumby44
Veteran Member


Date Joined Nov 2007
Total Posts : 2807
   Posted 6/3/2012 7:53 PM (GMT -6)   
until you go to prison and have to have Crohn's in prison:)
53 yr. old female, diagnosed with Crohn's in terminal ileum Sept-Oct. 2007. Also have IBS. Disease spread 12/11 to distal ileum. Dx. with c.difficile and gastroparesis 1/12.
MEDS: Pentasa- 6 500mg pills per day, Omeprazole, Metamucil, colace, miralax as needed, Florastor probiotics

cleanfreak
Regular Member


Date Joined Mar 2012
Total Posts : 140
   Posted 6/3/2012 9:25 PM (GMT -6)   
Here in Canada, each of our provinces has its own form of Health Care, no one is left without some kind of coverage.  I am pretty much an American Political junkie, and I just do not understand why there is so much descention among so many Americans when it comes to Health Care.  Bottom line is, everyone needs it so why don't the politicians take a look at ours, England, etc. and see how we do it.  It just seems that whenever I read posts from all of you, where you discuss your problems with your Health care system, it breaks my heart that so many of you are struggling especially when it comes to getting your necessary meds, and paying for a doctors appointment let alone having to pay for surgery, that is just unheard of here in Canada.
A little off topic, but this has been on my mind for a while, so I wish you all good luck, my heart goes out to all of you in this terrible predicament.

JasonCPhT
Veteran Member


Date Joined Jun 2006
Total Posts : 618
   Posted 6/3/2012 9:48 PM (GMT -6)   
Jodi's plan is what a lot of people refer to as a "felony". Let's just assume one of those drugs is a controlled substance, like Lomotil, that's like a 20 year sentence.....
Dx: 2005

Humira, Pentasa, Prednisone (40mg/day), Omeprazole, Ambien

petittarte
Veteran Member


Date Joined Apr 2006
Total Posts : 664
   Posted 6/3/2012 10:43 PM (GMT -6)   
Edited. Sorry, HW is not the place to promote illegal activity. Thanks for your understanding.

Post Edited By Moderator (Roni) : 6/5/2012 3:00:58 PM (GMT-6)


lichtblick23
New Member


Date Joined Jun 2012
Total Posts : 7
   Posted 6/4/2012 3:48 PM (GMT -6)   
It's a very sad situation. I was forced  to declare bankruptcy at 22 because of my Crohn's and inability to work and keep up with my bills. I was not in that much debt, but completely unmanageable for not working. I don't understand our government or people here in America. I think it's because we're very selfish and greedy and taught that it's every man for himself. Everyone thinks it's "not their problem" and doesn't want to foot the bill for their fellow Americans health issues.
cleanfreak said...
Here in Canada, each of our provinces has its own form of Health Care, no one is left without some kind of coverage.  I am pretty much an American Political junkie, and I just do not understand why there is so much descention among so many Americans when it comes to Health Care.  Bottom line is, everyone needs it so why don't the politicians take a look at ours, England, etc. and see how we do it.  It just seems that whenever I read posts from all of you, where you discuss your problems with your Health care system, it breaks my heart that so many of you are struggling especially when it comes to getting your necessary meds, and paying for a doctors appointment let alone having to pay for surgery, that is just unheard of here

lichtblick23
New Member


Date Joined Jun 2012
Total Posts : 7
   Posted 6/4/2012 3:54 PM (GMT -6)   
I was in that situation for a long time. My husband would switch jobs and we'd be out of insurance for a while and couldn't afford the cobra. My solution was to not take meds and when I did need them I got tons and tons of samples from my GI as well as getting inrolled in an assistance program with the pharmaceutical company. To avoid Doctor's visits I used to just call my doctor's nurses and tell them what was happening and then they would have the doc call me or prescribe something over the phone. Bottom Line is to just keep your doctor's and nurses informed about your troubles and they should try and help you with anything they can. They should also know about any programs that could help you get your meds for free or cheap. Try to avoid the flareups altogether-you may consider a gluten free diet if you're not already on one.
Diagnosed: 2002 with UC-then Crohn's
Currently On: Remicade
Surgeries: colostomy, colostomy reversal, colon section/resection

Past medications: Humira, Prednisone, 6mp, azacole, Imuran, too many to remember
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