Input on financial experiences?

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littlechina
Regular Member


Date Joined Jan 2007
Total Posts : 97
   Posted 2/19/2007 10:36 AM (GMT -7)   
I have been on the Copaxone now for just over two weeks. I am doing great, but we just got some news that hurt a lot more than the shots do. Our insurance covers the medication completely, but only after a $2000 deductible each year. I guess when I look at the total cost of this medication for a year, $2000 isn't that much but we still don't have it. On top of that, my husband has a condition which also requires an injectable medication. He has a $2000 deductible too. So wham...$4000 due. Every year.

We just have no idea what we are going to do. We are still trying to pay off my husbands deductible from last year, we couldn't seem to get on top of that. And now it's doubled. We plan to apply for financial assistance from the insurance company, but my hopes are not too high. You know...insurance companies. I could think of a few four letter words to describe them.

Has anyone else run into problems like this with their medications and were you able to find any resources that were helpful?

Thanks everyone. As always, I appreciate you sharing your experiences!

els
Veteran Member


Date Joined Oct 2005
Total Posts : 4031
   Posted 2/19/2007 10:52 AM (GMT -7)   

Hey littlechina, I am sorry that your running into this problem.  It is common with all of us I am sure...I have high insurance costs too and medication is outragous.  Anyway, I take Copaxone also and used to get it through Shared Solutions...I dont know if this is who you are going through or not but they may be able to direct you to some prescription assistance program for this medication.  If not I know that NORD (the National Organization for Rare Disorders) has MS listed as a qualifer for assistance.  I will include the link below, all you need to do is call their number and speak to someone and they will send you a packet of information to fill out.  I hope it is helpful for you and I am sure that others will post to give you some more suggestions also.  Take care

http://www.rarediseases.org/


Elisha
Co~Mod: Depression
Moderator: Heart & Cardiovascular Disease
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rhondab
Veteran Member


Date Joined Mar 2006
Total Posts : 2146
   Posted 2/19/2007 10:57 AM (GMT -7)   
Hey Littlechina

I'm so sorry. it just stinks that u've gotten this slam after all u've already been thru. I too have ins probs, so can completely understand u'r situation. I"m not dx'd so can't really speak intelligently on this subj, but as i understand there is assistance avail thru the CRAB's med distributors. Also, tho, there are a few other sources like Together Rx and others who help by giving u discounts on u'r meds. I use the one i mentioned here and it's pretty helpful. I do have prescription ins, but it's a discount plan thru my ins policy and discounts less than this outside source. If u have a regular coverage plan u can still use this type of service because it discounts if u'r either at u'r coverage limit or if ur part is just to costly for u. There are others avail and i'm sure others will be along to offer info on those they are aware of, but for now i hope this is helpful. Don't give up...help is out there and should be for both u and u'r husband's meds. Take care and let us know how this turns out for u.
rhonda
Co-Moderator, MS Forum
 
*~*Sometimes the Lord calms the storm. Sometimes He lets the storm rage and calms His child.*~*


MSBLESSED
Regular Member


Date Joined Feb 2007
Total Posts : 70
   Posted 2/19/2007 11:22 AM (GMT -7)   
Good morning Littlchina,

I've got Kaiser Insurance and pay $50 a month for a months supply, so that's like $600 a year. I would love to share my meds if I could. :-) This may be a good subject to bring up if you are available for the Chat this afternoon. There my be something we haven't even considered yet. It's worth a try. Also, did you try your tummy yet for your injection?

littlechina
Regular Member


Date Joined Jan 2007
Total Posts : 97
   Posted 2/19/2007 11:44 AM (GMT -7)   
Wow guys, thanks for the responses! I will definitely look into all your suggestions.

MSBlessed:

I did try my tummy! It wasn't so bad. I have now tried all of the recommended spots, except the arms. I am not doing the arms unless I have no other choice. My husband is still sticking me, but I have my auto injector on the way!! I think this will make it lots easier for me since I won't ever have to see the needle. I'm excited, I can't wait.

Also...what is Kaiser insurance? Is that a plan that is local to your area (where are you, by the way?) or is that something anyone can get? Is it a private plan or a group plan? $600 a year sounds phenomenal to me!!

LadyEMT
Regular Member


Date Joined Feb 2006
Total Posts : 109
   Posted 2/20/2007 6:22 AM (GMT -7)   
Hello, I'm not sure if this will help any of us, but saw the commercial w/ Montel and went to check it out. Here is the web adderess.

https://www.pparx.org/Intro.php

Have a good day
Bonnie
Life Can Be A Challenge.... 
 Expect The Un-expected....
Live Everyday As If It Were Your Last.


BGD2Me
Regular Member


Date Joined Apr 2006
Total Posts : 366
   Posted 2/20/2007 12:13 PM (GMT -7)   
China,

Our insurance offers a "flexible spending account". This is for medical costs. We get reimbursed up to $2000 a year for medical bills. I believe this includes rx. My hubby just submitted $800 worth of bills that we haven't paid yet and we received a check and paid the bills. The account can also be used for our deductible which is $500 each. A certain amount gets taken out of each check through out the year. This way we are not paying the $2000 all at once. It has been very helpful so far!

Just another idea for you to look into.

Lysha
When everything's coming your way, you're in the wrong lane.


my5cats
Regular Member


Date Joined Dec 2005
Total Posts : 67
   Posted 2/20/2007 12:53 PM (GMT -7)   

I have a couple of suggestions like the one from the Montel show.  You should also speak directly with the manufacturer and see if they have any kind of assistance or reimbursement plans.  Good luck!  The worst thing is to be sick and then to have difficulty with getting the meds to help it is adding insult to injury!

http://needymeds.com and http://www.freemedicinefoundation.com/


rhondab
Veteran Member


Date Joined Mar 2006
Total Posts : 2146
   Posted 2/20/2007 1:12 PM (GMT -7)   
Hey Littlechina

Forgot something...imagine that! When i set out to apply for the discount on my meds (from the manufacturer) i submitted an app thru my doc's office. It was then that i found out they have someone on staff who actually helps u in that sort of thing. They can help u apply to the right plans for the particuliar meds u'r trying to get. Just another avenue u may want to persue.
rhonda
Co-Moderator, MS Forum
 
*~*Sometimes the Lord calms the storm. Sometimes He lets the storm rage and calms His child.*~*


MSBLESSED
Regular Member


Date Joined Feb 2007
Total Posts : 70
   Posted 2/22/2007 12:52 AM (GMT -7)   
Good evening Littlechina,

Kaiser Permante is a medical insurance available in California. I live in Sacramento by the way. I'm SOOOOOOOOOOOOOOOOOOOOOOOOOOO excited that your Autoject2 is on the way. You are going to absolutly adore it!! Like I've told you before I hate needles, and hate depending on people even more. Autoject2 give me the freedom to do it myself AND not see the needles. I havent missed an injection yet. I started on January 2nd, and I know that the Autoject is the only reason I've been able to stick to it. I told you the tummy wouldn't be bad. It just sounds icky! LOL! I avoid the arms too. Once was enough! Let me know when you get your Autoject2 and how you LOVE it, because I know you will!! Did you get it free through Shared Solutions? They are awesome!! They also work directly with the Neuro and FedEx everything!! Keep me posted!!
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