It's just the cost of the meds that runs me almost $400/month. The Actiq alone is over $300/month. And, that is with insurance. Without the insurance, it would run me $1500/month. I've been able to make my premium payments so far (we do get the 65% match for COBRA), but it's pretty pointless when I can't afford the co-insurance on my meds.
What sucks is that IL law says that you can have up to $10K worth of jewelry & none of that counts, but heaven forbid you own a $3K car b/c you won't get any state aid. If that isn't a corrupt law, I don't know what is.
What's worse is that all seniors over 55 get free rides on the bus. There is no income cap & so there are plenty of wealthy individuals pulling in six-figure incomes working in the downtown business district who feel it is their god-given right to ride the bus to museums, fancy dinners & sporting events for FREE; meanwhile, those of us who are trying to just make ends meet can no longer afford to take the bus to work or to the store or such. If I could get my meds, I could ride my bike to the store, but what do I do about
getting to work? Oh man, what a mess!
Thanks for the suggestions. The pharmacy plans don't cover my meds, only the cheaper ones, so I am stuck paying COBRA to keep the insurance plan I already have. If I weren't allergic to all the cheaper meds, it would have been a great suggestion. Only the larger chain pharmacies stock the Actiq & they don't agree to payment plans (probably for good reason. honestly, i'm not sure i'd be able to pay them back). I have talked to my church. No dice. I already used the "credit card payment plan". What a bad plan that was! My credit cards are all maxed out & my credit is ruined so I can't get any more. :(
I can see how you would get to the point of promising to pay friends back just to get your meds for a little while. It may come to that point; I just feel like my friends are my most valuable possession & I don't know what I would do without them. They have helped me through so many tough times & I literally owe some of them my life. They are all struggling too right now, so to take what little extra money they have & know I couldn't repay it isn't something I can bring myself to right now. Still, things get harder by the day and actions I swore I would never take are seeming more and more possible by the moment. It is such a sad day when we (& I include myself) get to the point where we think of lying to friends and family to get money. I'm already in debt to my family & they won't help me out any more. It is such a tragic situation when an individual gets to the point where they are willing to sacrifice their relationships just to get some medicine.