Without Health Insurance: how to get prescriptions renewed?

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debaser
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Date Joined Nov 2006
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   Posted 10/7/2009 1:56 PM (GMT -7)   
I'm sure there are some others here who are in the same boat. This is the first time I've been here, though, and I'm not really sure what the best way of going about it would be.

The only drug I take is Klonopin, and my last refill will be almost empty at a very inconvenient time. I'll be moving in late November and still have a business to run, so I will not have a lot of time to spend on this when it gets to that point.

I've put a few feelers out and have found doctors who will write me a prescription, but the problem is the office visit costs anywhere from 50 dollars to 175 dollars. The one who will see me for 50 won't give me more than one month before I have to go back and see him again. The guy who charges 175 said he'd give me three months worth if I had a note from my last doctor.

And my last doctor said he'd be glad to write a letter that states how long I've been on Klonopin and that I've never abused it. My condition is stable. I'm on the recommended dose for panic disorder which is .5mg twice per day. That's the dose I started at and the dose I'm still at. Have never asked for an increase and do not plan to.

There are public health clinics around here like there are everywhere else, but they are not free. Maybe they'll be cheap, but I'm sure I'd have to go back there every month, too. It's because Klonopin's a controlled substance. It's kind of frustrating because it doesn't get you high or anything like that even when combined with alcohol. There's no real abuse potential there. I can understand why it's a controlled substance but it makes all of this very frustrating.

Is there an angle I'm not seeing? Is there a way to get six months worth without having to go to the doctor every month? It's not like I've just started the med or abuse it or anything like that. I just don't want to pay for doctor visits, and don't particularly like going to the doctor in the first place.

Green Grove
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Date Joined Oct 2008
Total Posts : 2424
   Posted 10/7/2009 5:53 PM (GMT -7)   
I take the generic Clonazepam and it runs less than $20 for the dosage you are on and there is no difference. As for your doctor situation, you should possibly go to your old doc again before you move for your final appt. and then have him/her refer you to somebody cheaper in your area :)

Hope this helps!
***Sam***
Anxiety-Panic Disorders Forum Co-Moderator

"Life be not so short but that there is always time for courtesy."
~
Ralph Waldo Emerson~
 
. . .Not a professional. . .
Please consult your doctor before making changes to meds or lifestyle.


Howlyncat
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Date Joined Jan 2005
Total Posts : 24909
   Posted 10/7/2009 7:13 PM (GMT -7)   
Debaser..just wanted to say all the best to you in getting your meds. ..i am really counting my blessings after reading your post as here in Ontario we have OHIP.....which covers all doc visits,hospital stays ect and the doctors here do write rx for 6 mths at a time even on my valium........Benzo s were taken off the scheduled controlled drugs a couple of yrs back.I sure hope you can find a way to get your meds and at alot cheaper way Please let us know if you are able to find a better n less costly way for yourself...Wishing you all the best.....LYN

......Is it possible to contact pharmacuetical co and ask for help I do know a couple ppl here that their meds were not covered and the p company did help them out..but again that is here and i dont really know policy or procedure there...sorry wish i was more help shakehead


   
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Post Edited (Howlyncat) : 10/7/2009 8:50:22 PM (GMT-6)


debaser
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Date Joined Nov 2006
Total Posts : 1745
   Posted 10/7/2009 9:00 PM (GMT -7)   
Thanks, guys.

Well I do get the generics so the cost of the drug isn't really a problem at all. It's the cost of the doctor appointments. Unfortunately my old doctor is both 150 miles away and is associated with a big teaching hospital, so to see him would be inconvenient and very costly. I haven't had a regular physician in Dallas/Fort Worth since I was in high school 15 years ago, so I have no idea how to do this.

I'd just get the cheapest insurance, but the cheapest insurance isn't exactly cheap and they'll only allow you like two office visits per year and the co-pays are high on top of that. They obviously have no interest in anyone's health.

Basically I'm just waiting for this reform to get passed and hoping nothing happens to me in the meantime.

Howlyncat
Elite Member


Date Joined Jan 2005
Total Posts : 24909
   Posted 10/7/2009 9:22 PM (GMT -7)   
Wow debaser.....i guess should be kissing the ground i walk on i see the doc at least 2 times a mth...he will do housecalls as well........and this is cpvered by ohip.......I wish you all the best ....lyn
   
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      WE have anxiety and panic.......................................Anxiety and panic do not have US
   Crohns.............Anxiety n  Panic...............Seizures...............Pyoderma Gangrenosum.....Fibro  
               
                   Fight the fight.............and then..............Keep on fighting
 
                                                   
                                                 LYN aka Howlyncat    .. ..........      
            Co Moderator.....Crohns..........Anxiety /Panic ..............Alzheimers                                                                                           


Allestaria
Regular Member


Date Joined Mar 2009
Total Posts : 341
   Posted 10/7/2009 11:42 PM (GMT -7)   
I really doubt you will find a doctor that will give you 6 month supply in fear that you might/would sell them. (Not saying you will) It could come back to haunt them.

The most I have ever gotten was 3 months. But was given one month at a time.

I understand the no insurance. But I look at it this way. Money may be tight right now and 50 bucks a for some gas for a week. But if you need it you need it. My doctor visits are 50 bucks. Which to me is completely worth it.
Sometimes you can get a working relationship with the doctor and they will fill perscriptions by phone. My doc does that for my parents. She just has to call the office and doc sends the order to walgreens. Though she required to go see him every 6 months. (She goes more often then that though). You might want to check into that. You are more likely to get what you need this way then trying to avoid a visit all together.

The clinic's here only charge 25 bucks for a visit but you do have to go back every time you want a refill. And it is usually only a 2 week to 1 month supply. Yours might be different so it doesn't hurt to check into it.

I wish you luck. I understand it is hard and frustrating at the same time. Not having money really bits. Whats really strange.. Is if I had insurance my co-pay would be 75 bucks for a visit. And just being a cash customer my visit is a lot cheaper.. Sometimes doc gives me a break and I see him for 25 bucks!!

Take Care
Cary-Ann

debaser
Veteran Member


Date Joined Nov 2006
Total Posts : 1745
   Posted 10/8/2009 12:27 AM (GMT -7)   
Oh I don't want six months all at once. I'd probably lose them or something. I used to get a prescription plus five refills.

I spend probably 150 a week on gas but that's a business expense and I don't worry about it. Knock on wood things are actually getting to be more profitable. I'll have my car paid off soon, too.

But in the meantime I need to rebuild a savings...not buy useless insurance or pay $100 bucks to go to the doctor every single month. I know there are some cheaper ones in the area but I do not have the time to call around during the day when these outfits are open. The fact that I'm trying to get out of my lease and move soon complicates matters. I think I know what part of town I'm going to move to, but I'm not sure yet.

Usually cash people pay more, as I understand it. I know that's true with my Clonazepam...the same pharmacy that used to charge $4 a bottle now charges me $18.

Anyway, if anyone out there lives in or around Dallas and knows how much their doctor charges for cash visits, please inform. I live downtown now but will hopefully be moving to Las Colinas in mid-November. I'd really like to have a doctor nearby for a change...for the last three years the insurance I was on forced me to travel all the way to Central Texas for anything.

Howlyncat
Elite Member


Date Joined Jan 2005
Total Posts : 24909
   Posted 10/8/2009 7:24 PM (GMT -7)   
I will clarify here as well my doc gives me 6 mths of repeats on rx s not a 6 mth supply at one time
   
                                            DONATE ......HealingWell.com  
 
 
      WE have anxiety and panic.......................................Anxiety and panic do not have US
   Crohns.............Anxiety n  Panic...............Seizures...............Pyoderma Gangrenosum.....Fibro  
               
                   Fight the fight.............and then..............Keep on fighting
 
                                                   
                                                 LYN aka Howlyncat    .. ..........      
            Co Moderator.....Crohns..........Anxiety /Panic ..............Alzheimers                                                                                           


debaser
Veteran Member


Date Joined Nov 2006
Total Posts : 1745
   Posted 10/9/2009 7:08 AM (GMT -7)   
I've been looking at some of these "individual plans" this morning, and they are nothing like group insurance. They're so far away from it I don't even think I'd call them insurance. You have to spend so much before you can even use the insurance, then it will kick in but with a very high co-pay. Then there are limits on how much they will cover you for in a calendar year and it's not that much. If anything serious happens to you, you'd still be in serious debt. Then there's the pre-existing conditions. A LOT of drugs are not covered. Psych is not covered in any way, shape, or form. And finally there's the chance they'll deny your treatment if they don't think it is medically necessary/costs them too much money. The monthly premiums even for this crap is high.

You can get coverage that looks better on paper but, boy, is that going to cost you.

Conversely, when I had group insurance through my last employer, I had the fairly high co-pays and the premiums were sort of high (I had to cover half), but nothing like these "plans". And they'd cover anything that happened to you. Your limit on what they paid for for a year was $5 million, I think. THAT is insurance.

And the group insurance I had before that was even better. The co-pays were less, the premiums were covered by my employer except for $20 a month that came out of my check, and I could go to any doctor I wanted to. I could even go to a specialist without a referral. To my knowledge there was no limit to how much you were covered. I'm sure that cost my employer back then some money, but they probably got a discount rate because there's no telling how many people were on the plan. It was a division of Fluor Construction, a giant company.

I really don't know what to do. Not having insurance makes me nervous, but I don't want to pay a lot of money every month for insurance that won't be there if I need it.

They really need to get this reform passed so self-employed people like me can form larger pools to get affordable group policies, or pass legislation that will get rid of most of the BS in these "individual plans". Seriously, GET ON WITH IT. There's no way this healthcare system isn't dragging the economy down. It's frustrating to say the very least.

In the meantime I'm still not sure what to do. I mean if I have to go to a doctor every month just to get a klonopin prescription, you see how inefficient that is, right? Not just for me but for the entire system. Especially during a flu pandemic...I mean I'm healthy and healthy people have no business putting further strain on the system during the coming months.

Sorry for venting. This whole thing is just so silly to me.
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