I wanted to post an update on this thread from November. I am still doing my infusions, and have kind of figured out a way to scrape by with my medical costs (maybe I'm just feeling optimistic today because I'm getting several hundred back from my taxes).
I made the decision to continue with my infusions even though I was having/am having such a hard time affording them. Made the decision because obviously I don't want to flare again. My clinic was telling my that I wasn't allowed to get my infusions if I didn't pay in full at the time of appointment, which I think is pretty cruel seeing as I've never not paid a bill with them and they've received tens of thousands of dollars off my illness in the past ten years, but I digress. Basically, payment plans were not an option so here are some things I did to reduce the costs at least enough to not have to go off of them. If anyone else is struggling, maybe some of these will help you too.
First, I switched clinics, which I believe cut the OOP cost about
in half because of their contacts with my insurance company...insured through my employer...as a reminder, I'm in the US, hence the "issues" with cost of care
Second, I reduced my infusions from 8 weeks to every 10 weeks. This isn't doing a ton obviously, but it's making it so I get one more paycheck in between each infusion. Shrug. It hasn't affected my symptoms because (as you can read above) I'm not even sure Infliximab is doing anything for me.
Third, my employer decided that the company would not be giving out annual raises this year due to some malarkey about
sales and not being able to afford it. In my desperation I told them that I was drowning in medical bills and could they fund an HSA for me to get through the next few months. I haven't received this yet but it's looking promising for once my FSA runs out (sigh). I also asked our HR team to give us better health insurance plan options mid-year when
open enrollment takes affect. This started a whole thing at my company that is still going on, so I feel like an instigator but at least valid in my instigation!
So that's where I'm at. Next up I am about
2 years overdue for a colonoscopy and that'll be about
$1,200 OOP. Maybe that's where my tax refund will go hahaha.
By the way, if anyone here hasn't itemized their medical costs and added that into their tax deductions, I highly recommend it. I just needed to get above $5k which was extremely easy to do, and that gets me above the standard deduction each year. Such a funny thing, "tax season"