Being sick is expensive!

Since moving to Florida, it has been a major change in medical care for me. And to be honest, I am not as happy as my care here as I was in New York. In addition to not liking my new doctor very much ( this is a post in itself), I am having to pay a lot of money out of pocket.

I am all of a sudden paying close to 200 dollars for my infusions, plus a coinsurance. I suppose that’s a rather cheap price to pay considering how much the drug and the infusion costs, but seriously, that’s like a car payment every month. And that’s not my only med. Luckily, I do 90 day mail order on all the others and it saves me a ton.I think about about the fact that I’m not working and how a lot of other people who have chronic disease are not working and wonder ” how can they afford this?”.

I never changed my insurance. I’m still on the COBRA, because it was good insurance that would cover my Benlysta infusions. My husband had checked with insurance companies to get us insured, and when he had looked, he couldn’t find anything that was guaranteed to cover the infusions, so we just stuck with the insurance he had got from his last job. Apparently, I never paid anything before because I didn’t have to pay deductibles because it was the hospital-provided insurance.

This whole experience has brought up so much sadness in me. I’m reminded of my patients who are hard working people, who despite having   ” good” insurance still struggle to pay for expensive prescriptions. I think of my parents and the elderly on Medicare, and my hearts breaks. Older people who should be relaxing now, getting social security, but it’s not enough to cover their million prescriptions, so they still work. I think of those living with lupus and other diseases who can’t work, who already suffer enough, and then have to struggle to find the money to see their doctors. And I remember that awful feeling of prescribing a covered drug because it was cheaper, even though I knew it wasn’t the best choice.

I always like to have some optimism in my posts, so I’ll just hope that maybe things will change soon. Oh and keep me in your prayers please. I start a new job next week.

 

4 thoughts on “Being sick is expensive!

  1. Hi! I am really sorry you have to go through this. One of the `good`things of the disease for me, is that it made me really empathize with my patients. I remember of myself years ago rolling my eyes when some patients were telling me how tired or in how much pain they were, because i was thinking that they were exaggerating or that they are not taking their drugs, etc….But, boy…does life change one!

    As someone living in Sweden, i am lucky to not have to think about how much treatments cost. There is a welfare state (like in most of the european countries) which ensures that everyone gets the needed treatment, regardless of the costs. There are a lot of downsides as well (long waiting lists: to see a GP it can take up to 3-4 weeks, to get to see a specialist up to 3 months, not being able to choose you doctor, but having one appointed, people taking advantage of sick-leaves, etc), but nothing compared to the burden of having to ensure that you can pay for insanely expensive treatments. I guess `Breaking bad` was inspired from real life.

    Hang in there!

    1. try contacting the pharmaceutical company and ask for co payment help.. I did and they gave me more then enough money to cover the cost . My prescription plan pays half and the co payment monies pays the rest so I just pay about 125.00 a month yeah I had to figure out where to get that money but I am doing it. the medicine makes me feel pretty well for about 17-22 days.. As i get closing to my infusion date some times I feel like I am going to “hit the wall”

      1. Thanks for the comment and advice. I will look into it. I’m sure this will be helpful to other patients and I will suggest this to my patients as well.

    2. Thanks for the encouragement . Yes this disease has also taught me empathy. So we have a new president now, we’ll see what happens with healthcare.

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