help needed w/ supplement ins

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tld
New Member


Date Joined Nov 2007
Total Posts : 10
   Posted 11/25/2007 9:04 AM (GMT -7)   
hi, i am a new member! rec'd liver transplant due to hep c in sept 05. i have been switched to medicare & ss disability. the choices in a supplement ins have been overwhelming (for me anyway!) i had help choosing one & the drug plan had a coverage gap, which i would never be able to meet!
anyone out there with a similar situation? i would be thankful for any advise! tongue

Pink Grandma
Veteran Member


Date Joined Nov 2006
Total Posts : 2445
   Posted 11/25/2007 1:49 PM (GMT -7)   
Hello Tld and welcome to HealingWell. I don't have the answer to your question but not too long ago I saw a poster at Walgreens that they would be more than happy to help people making that choice. So you may want to try your local Walgreens if you have one and see if they are still helping people with it. Or better yet ask your pharmacy what would be the best plan for you as as far as the drug plan. As they have all your meds and can have more of an educated discussion with you. If you are a senior citizen than there's probably a local senior citizen agency that can also help you out with the rest. Hopefully someone who has been there will come on shortly and give you some better ideas. Take care and good luck.
Pink Grandma
Forum moderator-Hepatitis

When the going gets tough....the tough get going! Don't always know where I going but I get there anyways.


tld
New Member


Date Joined Nov 2007
Total Posts : 10
   Posted 11/26/2007 6:39 AM (GMT -7)   
thank you for the info. i had checked w/ walgreens & also my local pharmacy but they told me you have to make your own decision...understandable but a little scary! the supplement i had chosen before (with help) ended up having a huge coverage gap (which they had told me it wouldn't) then when i tried to get out of the ins they wouldn't let me even with a letter from drs stating the meds were necessary for life....
thanks again!

mom's "will" to live
Regular Member


Date Joined Oct 2007
Total Posts : 111
   Posted 11/26/2007 11:32 AM (GMT -7)   
Hello tld, Welcome to the forum. My son has cirrhosis HepB we had no insurance for him but, you can go threw your Dr. and ask if the pharmacutical companies can help! Will, went threw the Gilead pharmsitical for Interferon and Hepsera. Now, Bristol Myers Squibb for Berraclude it's all 100% payed for and he gets 3 months supply at a time. You have to go threw an application process and your Dr. has to send an evaluation but, both companies work fast had Will's meds within a week! Hope this might help out! We are doing the SSI and Medicaid thing now, already been turned down 2 times but were still fighting! Hello everyone!!! Hope all had a GREART THANKSGIVING!!! You are all in our thoughts and prayers daily!
Toni
 

Pink Grandma
Veteran Member


Date Joined Nov 2006
Total Posts : 2445
   Posted 11/26/2007 5:58 PM (GMT -7)   
Hello Toni, How are both of you doing? Hope your Turkeyday was good also.
Pink Grandma
Forum moderator-Hepatitis

When the going gets tough....the tough get going! Don't always know where I going but I get there anyways.


hep93
Elite Member


Date Joined Jul 2005
Total Posts : 12014
   Posted 12/4/2007 12:22 AM (GMT -7)   
Hi, TID. Toni is speaking of what once was known as the "indigent drug program" that all pharmaceutical companies participate in for certain drugs. As she stated, it requires a letter to the drug company from your doctor (or completion of a form) for the drug you need, stating that you need the med but cannot afford to pay for it, accompanied by an Rx from your doctor. Some companies ship the meds to the doc's office, and others send you vouchers you can use for the drugs at the pharmacy. They supply 3 mos. at a time.

I'm not exactly sure what you mean by a "gap." Is this the difference between what the ins. company pays and the actual total cost of the med to you? Do you qualify for Medicaid? They will pay your Part D (Rx) premium if you qualify financially. There are many insurance companies out there covering Part D drugs. Contact Medicare and request a list of them! When you contact the insurance companies, ask if they cover the drugs you take and what your co-pay will be.

Good luck!
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