best private insurance companies

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starzphalling
Regular Member


Date Joined Jul 2006
Total Posts : 82
   Posted 11/1/2008 8:49 PM (GMT -7)   
again i've been on an internet research spree, and come up with way too many answers. what are the best private insurance companies you have come across for perscription coverage? if i did my math right, at minimum i am looking at approx $1000 in drugs a month w/o something for my RA, and more like $2500 with something for the RA.

AlwaysRosie
Veteran Member


Date Joined Jan 2005
Total Posts : 8616
   Posted 11/1/2008 11:11 PM (GMT -7)   
Hi Starz,

((((((((( Starz ))))))))))) SO sorry you have such a high cost for your meds. *sigh*

I don't know the answer to your question. But I can tell you that there may be help with the cost of your meds. There is a list of websites in the "Lupus Resources" thread (link at the end of my signature). I'll lok it up and post the websites below. I'm not sure what the financial guidelines for qualification are, but it would be worth a try.

I hope this helps.

Blessings!

In His Grip

AlwaysRosie           "We can't control the waves, but we can learn how to surf!!"

Psalms 139

Co-Moderator - Lupus Forum

UCTD, Inflammatory Arthritis, Diverticulosis, (recent dx - Sjogrens, Crohn’s 4/08)

Clickable Links:  Lupus Resources    Lupous.Org   Lupus Criteria (4 of 11)   Lupus Chapter Locator


AlwaysRosie
Veteran Member


Date Joined Jan 2005
Total Posts : 8616
   Posted 11/1/2008 11:14 PM (GMT -7)   

puccini914
Regular Member


Date Joined Jun 2008
Total Posts : 363
   Posted 11/2/2008 7:18 AM (GMT -7)   
It takes some number crunching to figure out where to get meds w/o insurance.  I get the bulk of my meds at Walmart under the $4 rx plan and then plaquenil and ambien I order through Xubex for $30.00 for a 90 day supply.  I was on Cymbalta for a while and was getting a 4 month supply for free mailed directly to my doctor from the Lily, the manufacturer.  www.pparx.org has most of the applications for rx assistance programs and some have a wizard that fills out most of the forms for you.  It takes some work, but well woth it.  I'm now paying about 30% of what I was paying before.  Good luck.

Jennifer

PCP DX Lupus and Fibro, Taking plaquenil,  Flexeril,Claritin, Zantac,Ambien,vitamin B-12, multi- vitamin, Lortab.  Homeschooling Mom of 2 boys 1 and 6.  Symptoms: Fatigue, joint pain, heat/sun sensitivity, mouth and nose sores, malar rash, migranes, awful hives, positive ANA, and RF.

 

 


redrose77
Veteran Member


Date Joined Sep 2005
Total Posts : 2573
   Posted 11/2/2008 12:34 PM (GMT -7)   
enbrel and humira both have programs to give the medication to the patients w/o insurance for free or very low cost. I have taken both and they work wonders- humira stopped being quite as effective for me after a while. I have heard that which one works best depends on the person.
Dx:fibromyalgia 2002, systematic lupus 2005- definate CNS involvement dxed late 2005, psoriasis 2006, rheumatoid arthritis 2006, PTSD 2007, multiple allergies 2005, migraine, compression fractures T11 & T12, Sjögren's, damaged periphrial nerves 2007, exema
Tx: plaquenil, Enbrel, Tramadol, Singulair, Skelaxin, Baby Asprin, Imuran, Prilosec, lasix, Evoxac, Celebrex, Darvocet when things get too bad, prednisone again, various vitamin/mineral supplements, now cellcept


Bsime
Veteran Member


Date Joined Apr 2006
Total Posts : 1299
   Posted 11/3/2008 6:31 AM (GMT -7)   
There are no good insurance companies if you are already sick.  They won't take you or will exclude your pre-existing conditions.  If you are older then medicare will take you without question and you can sign up for medigap and the drug plan to supplement it.  Coverage is good.
 
The only other insurance option I know for someone under 65 who is chronically ill are the state insurance pools.  They are expensive and in my state, Illinois, not that good because they have high deductibles.  Almost a cruel joke.  They are not a viable option for most people and are exhorbitantly expensive for families.
 
Your situation is at the heart of our healthcare dilema. I lost my job 5 years ago when the company declared bankruptcy but had cobra for 18 months.  As it was running out I applied to 5 different companies and 4 of them turned me down.  That was BEFORE I got sick but I was about 60 so they figured the odds were that I would get sick soon.  One company, AARP/Unitedhealthcare, did take me and it was a good thing as I got sick about a year and half later.  The premiums seemed expensive at the time but after my medical bills it was the bargain of the century.
 
If you cannot get insurance and need meds you might have to try the programs some of the drug companies or your state offer. 
 
Good luck and hope you can find an answer.
 
Bill
Mixed connective tissue disease (systemic lupus, scleroderma, polymyositis), Raynauds phenomena, Hypertension, Barrett's esophagus.
 
Meds: prednisone 5mg, 50mg imuran, Lotrel 40/5mg, maxide 37.5/25mg, folic acid, potassium, aciphex 20mg, multi vitamins.
 
Maintain your optimism and you can beat the odds.
 
"Although the world is full of suffering, it is also full of the overcoming of it."  Helen Keller
 
 

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