ok, my company, with over 240,000 employees is switching from tradition USA plans to the newer HSA or HRA accounts. this means the employees, expecially those with cronic conditions will pay a lot more out of pocket. How much, you ask? in 2012, only visits to you PCP will be at a $25 copay. Any tests, blood work they order, even on same visit, I have to pay our of pocket until I reach my deductable limite of $4,000 then they pay 80% until I reach family out of pocket. Also, visits to a specialist I pay out of pocket with the same costs going towards deductable. Remicade infusions will be paid by me out of my pocket until I reach these limits. For my area (NC) the insurance negociated rate is about
$12,500 and I have remicade every 6 weeks. So by first of march, i will reach the $8,000 max then they will pay 100%. This year I am paying $25 copay for the remicade. This is in addition to the $400 per month I would still pay for the right to have a health insurance plan.
Oh what a mess, I am lucky in that I am a higher paid employee but I really pity those who are not, there is no way that many of our employees can save this much money if they are sick or get sick.
Ok, so my question, since Humira is a self injection that is mailed to you from like a CAREMARK or such, I would only pay a precription co-pay which for this type of drug is $150 per month supply. SOuld I ask the gastro to switch me to Humira? I have been on Cimzia but blew through that and ended up with blockage and surgery. Remicade is doing OK, still have inflamation and lots of BMs with "D", but no blockage since the first one 2 1/2 years ago.
Have many of yo made this switch and be able to maintain? Is Humira at least close to the remi to give it a try? thoughts?
thanks so mcuh
*Sorry but I had to remove a few comments from your post* Too political.*
Post Edited By Moderator (Nanners) : 11/16/2011 8:52:42 AM (GMT-7)