Remicade infusions and insurance coverage-??

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rushianbeing
New Member


Date Joined Sep 2007
Total Posts : 2
   Posted 9/19/2007 6:10 PM (GMT -6)   
My husband was diagnosed with Crohn's in 2002, and was told yesterday that he now needs Remicade.  I am so confused trying to figure out how our insurance company is viewing this, and wanted to hear some of your experiences!  Our insurance policy covers prescription drugs at 100% (and Remicade is on their covered list), but our policy covers infusions at only 80/20.  So, does this mean that it will pay for 100% of the cost of the actual DRUG Remicade because we have 100% prescription drug coverage, or will they lump in the cost of the Remicade with the whole infusion service and therefore only pay 80% of the cost of the Remicade?  What have been your experiences?
Sorry to ramble, we're just worried that we can't afford this!

mom1760
Regular Member


Date Joined Oct 2006
Total Posts : 87
   Posted 9/19/2007 8:03 PM (GMT -6)   
my insurance has been very good.I have a nurse/case manager that comes out to my house from my insurance and decides on my next plan of care.She puts all my meds into the computer and it will tell her what tests they want me to do next.They were the ones that told me to get a bone scan due to steroiduse.With my remicade they have it set up to where i do my infusion at the doctors office and all i pay is my 20.00 co-pay and they pay for the other 10 grand.They have been very good with my meds and everything else.I hope this helps.I was dx in oct. of 2006 and have been on remicade since jan of 2007.
dx in oct 2006
entocort ec 9mg 1xday
remicade 10mg per kilo every 6-8 weeks
phenagren every 8 hours
dycyclomine 20mg 3xday
iron 325mg 2xday
calcium supplement
hydrocodone/apap 5mg/500mg 1-2 tabs every 4-6 hours
hydroxyzine 25 mg 1 tab every 4-6 hours
glycopyrrolate 2 mg every 8-12 hours


Scrap Girl
Veteran Member


Date Joined Jan 2007
Total Posts : 653
   Posted 9/19/2007 9:17 PM (GMT -6)   
I have UC but wanted to respond because it sounds a lot like my insurance. I pay $18 for the actual drug which Caremark ships to the hospital where my Remicade is administered. Our insurance covers 80 percent of the hospital's costs to administer it and then we pay the other 20 percent. I would doublecheck with your insurance but it sounds like you would only have to pay 20 percent of the costs for the actual infusion site. For me that works out to about $75 per time, (not counting my $18 co-pay for the actual drug). Hope this helps.
Diagnosed with UC in Feb. 2005
 
Colazal (9 a day)
Folic Acid
Remicade remission


Aimee =)
Veteran Member


Date Joined Jun 2004
Total Posts : 1020
   Posted 9/19/2007 10:48 PM (GMT -6)   
It REALLY depends on how the doc handles it. I've had it through 4 different ways and 2 different insurance policies.

1 - done in office by nurse pract, paid 20% until OOP max was met ($2k) then covered 100%. Medication included in 20%. Each infusion was $400-$500 until I hit the max (that was my 20% portion)

2 - done at hospital in outpatient area by a nurse. Paid 20% until hit OOP max. Drug was ordered through hospital pharmacy. My portion was $800-900 until OOP max was met because hospitals grossly overcharge and that was 20% of each infusion. Greedy people.

3 - done in office by nurse, paid an extended office visit fee plus whatever my mail order pharmacy cost. The med was sent directly to the docs office but I got the bill. The drug was $80 for my copay and the extended office visit was about $80 each time.

4 - done in the hospital while a patient. Drug cost was rolled into hospital bill and I paid a 20% of that total so I don't know what it broke down to. No added charge for the infusion itself since I was already a patient.

Your best bet is to 1) find out how your doc does the infusion and where. Check with that place on what your portion will be. 2) if you will be ordering your med through your mail order pharmacy, contact them for copay info.

rushianbeing
New Member


Date Joined Sep 2007
Total Posts : 2
   Posted 9/20/2007 6:02 AM (GMT -6)   
This is really helping, you guys, thank you so much!!  We are very eager to read about as many experiences as possible!!
 
I will definitely call our doc and see how they obtain the meds; our insurance does utilize a specialty pharmacy (in fact it's Caremark, I believe), so...

Jenn4dex
Regular Member


Date Joined Mar 2006
Total Posts : 487
   Posted 9/20/2007 10:25 AM (GMT -6)   
Sounds to me like you would have to pay the 20% which is a lot.  Remicade is not considered a presription drug.  It's under procedures or something.  I had to quit my job becasue I had a PPO that was 60/40 and my part was 40% and they wanted me to pay $5,000.00 per infusion.  Nice copay.  So I quit and got a job that I could go on the HMO right away without having to wait for open enrollment.  So now I get it for $0.00 copay.  AAnd this was done IN THE DOCTOR'S office.  The whole thing was a nightmare with a PPO.  I had to wait 3 months to quit and start a new job and wait the introductory period for new benefits. 


Jennifer
Diagnosed 1/06
CD of Terminal Ileum
Taking Pentasa, Entocort, Prograf and Remicade.

Post Edited (Jenn4dex) : 9/20/2007 9:26:33 AM (GMT-6)


mojowo4
Regular Member


Date Joined Jul 2007
Total Posts : 136
   Posted 9/20/2007 2:31 PM (GMT -6)   
I go to a place that just does infusions. I originally went to a doctors office and had the remicade mailed to the office for a 20.00 copay and then paid 20% for the office visit. The new place that does just infusions normally lumps it all together and pay 20% but since I had started with the mail order remicade at $20.00 they let me keep it that way and so I pay $20.00 for the drug and usually about $86.00 for the office visit. Works out pretty good.
Dx CD 2003 but probably had it 10 years prior
Dx Primary Sclerossing Cholangitis 2006
GB out '95, Appendix out '96, Kidney stent '02/stone removal '02, Resection '04, fistulectomy '06 2x, tubal '05
Currently on 100mg 6mp and Remicade every 8 weeks, Ambien as needed, predsnisone


Krysta
Regular Member


Date Joined Jun 2007
Total Posts : 340
   Posted 9/20/2007 2:52 PM (GMT -6)   
Remicade is considered a "chemotherapy" on my health insurance. Since they cover chemotherapy 100%, I don't have to pay anything, not even a co-pay.

Blue Choice.
Finally Dx- April 13 2007 (age 26) ilio-crohn's-colitis. Surgeries:appendectomy, cholecystectomy, tonsillectomy, pinidal cyst removed,emergency abdominal surgery for hemorrhaging ovary from burst ovarian cyst, LEEPcervix, emergency abdominal surgery for grapefruit sized ovarian cyst removal, D and C of uterus, lumpectomy of breast.
MEDS: remicade, prednisone, Asacol TID, protonix, metformin, buspar, trazodone, multi V, B complex, flaxseed. Vegetarian, leaning towards vegan. no nuts, seeds, or wheat.
Many allergies. Polycystic ovarian syndrome, anxiety, depression, ITP 
Every tool is a weapon if you hold it right ~ Ani Difranco
 
 


onebloodonelife
Veteran Member


Date Joined Feb 2006
Total Posts : 842
   Posted 9/20/2007 4:09 PM (GMT -6)   
My drug provider is Caremark as well, but I had my infusions done at the infusion center in my hospital. I ended up having it completely paid for, something about how if there's no generic for the medication, there's no copay. And, I think it was billed differently than a prescription drug as well.
Crohn's Disease for a year and counting
Imuran: 150mg
Humira: got 4 shots on 9/12, still technically waiting for approval from my insurance
Dicyclomine and hyoscamine for intestinal cramping and spasms
www.myspace.com/onebloodonelife
http://studentwebs.winona.edu/catraun4902 <--This link will be changing, but for now it works!

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