money and meds

father-two
By father-two Latest Reply 2010-01-23 23:46:03 -0600
Started 2010-01-03 18:08:07 -0600

ok, we have ins i take 9 pills a day. it cost money to buy everypne of these pills. do you have this problem?


21 replies

Deb7892
Deb7892 2010-01-04 21:41:51 -0600 Report

I get my diabetic strips/meter/lancets from minipharmacy.com They have a program where you get the meter free…and my lancets are free…and I pay $15 for 2 bottles of 50 each strips…and they ship them to my house automatically every month with the bill.

You may want to check them out…

Good luck!

Deb

Iroquois
Iroquois 2010-01-09 19:48:22 -0600 Report

Deb, do you have to be on medicare? Will they ship anywhere? I dont have medicare and we have no minipharmacy here. Thank you, Kathy

Iroquois
Iroquois 2010-01-09 19:49:23 -0600 Report

I like my new meter but just to need to find if I can find a place cheaper for my lancets and strips. Kathy

Deb7892
Deb7892 2010-01-23 23:46:03 -0600 Report

I dont know if you need to be in CA…but I am not on Medicare…and I am covered for this…I also get my meds at Walmart or my grocery store and they are $4 for 30 day and $10 for 90 day supplies…the only one I have a problem with is my Januvia which I have to pay $30 copay…but Merck (the mfg) offers a $20 coupon online…any way to save a buck…

Iroquois
Iroquois 2010-01-04 14:13:22 -0600 Report

I would try WallMart as most of the subscriptions that qualify are $4 each and 90 day is usually $10. That has really helped my med budget. Best of luck. Kathy

AddassaMari
AddassaMari 2010-01-04 14:34:20 -0600 Report

Here is a tip I read in BottomLine Health similar to what Kathy said. Get you physician or health practitioner to write scripts for 90 days at a time this will save money because insurance deductible is for each script regardless of the drug's cost. This could reduce your co-payment by as much as 2/3.

So if you are paying $30 co-pay for each script and you have say 8 scripts that means you just reduce your out of pocket expense from $2,880 to $960 per year.

So if your script does not qualify for the $4 price then this maybe a good alternative.

Pat Roth
Pat Roth 2010-01-04 14:41:42 -0600 Report

Sounds wise and informed!! So glad that you joined our site!! PatR

AddassaMari
AddassaMari 2010-01-04 15:34:37 -0600 Report

I am glad I am here also. I am learning a lot from everyone here. It is not that I am wise but I read a lot and tend to remember what I read.

kdroberts
kdroberts 2010-01-04 14:58:30 -0600 Report

That doesn't hold true for most insurance plans. It's not really a co-pay per script, it's just a co-pay. Unless you pay cash for a medication insurance will only cover 90 day supplies via their mail order pharmacy. Over the last 6 years I've had 3 different prescription insurance rates, none really saved me much switching from 30 to 90 day scripts and one was the same for both. Any savings are usually only got with brand name meds since generic are usually cheaper via the $4/$10 plans at most pharmacies.

The first insurance was $30 or 30% whichever was more for a 30 day supply and $90 flat for a 90 day mail order supply. That helped when I took a med that was a co-pay of $55 for a 30 day supply but not for the ones I took that were $30 for 30 days.

The second was $30 or 30% whichever was more for a 30 day supply and $90 or 30% whichever was more for a 90 day supply, no saving at all going to 90 days.

Currently it's $30 or 30% whichever is more for a 30 day supply or $75 or 20% whichever is more for a 90 day supply so I can save a little with 90 day supplies.

Some companies do a 90 day supply for 2 co-pays rather than 3, it just depends on your coverage. I haven't heard of a company that will give you a 90 day supply for a 30 day co-pay but that isn't to say that some companies don't.

AddassaMari
AddassaMari 2010-01-04 18:23:36 -0600 Report

Yea I can see where you would not save any money if your co-pay is a percentage of the drug cost. The savings only happen if you have a flat co-pay regardless of the cost of the drug.This goes to show how insurance plans vary from company to company and state to state.

AddassaMari
AddassaMari 2010-01-04 09:34:05 -0600 Report

I am a veteran so my medical care is through VA but I have a small co-pay for my medication and as I am on only three medication, only one for diabetes, the over all expense for me is very small. I have 90 days to pay my co-pays. So I can break it down instead of paying all at once if that is my wish.

You might be able to contact the Pharmaceutical company that makes you medications, sometimes they have programs that can help to ease the financial burden of necessary medication. Or there maybe approved and equally effective generics that cost about 1/3 of the name brands. Talk to your doctor and pharmacist to find out more about the different programs that are available.

ptsparkle
ptsparkle 2010-01-04 09:31:08 -0600 Report

I think we all do. I have pretty good ins. but still have co-pays on all meds. Insulin is $75.00 a month, and 2 meds are non formulary with no generic, at $50.00 each. I finally wised up and had dr. write new scrips for 90 day supply, and took them to Wal-Mart. $10.00 ea for 90 days. They don't have that for all meds, or insulin, but you can check out what they do have on their website. I also get my strips free, but I think that is changing this year.
Jim

sweething
sweething 2010-01-04 08:14:33 -0600 Report

I take a lot of meds, including insulin and syringes, strips, etc. My insurance year starts in July; before December I have paid the maximum out of pocket per year and my receipts read $0. Of course, I have Medicare ($100 a month), plus what my husband pays for my insurance, and the insurance only pays for my meds basically, so nobody gets by cheaply.

runthe
runthe 2010-01-03 20:42:05 -0600 Report

I am unemployed with no ins. I have to rely on the county hospital for most of my meds and supply which is very limited. I take high blood pressure, RA, ulcer meds and shots for my RA which is expensive. I had to sign up for a program with Abbott Labs for my RA meds because the county won't pay for them.

Hinboyz3
Hinboyz3 2010-01-03 19:27:36 -0600 Report

I dont have any insurance and the cost for my test strips alone it expensive. Not to mention I have to take a hight blood pressure pill, thyroid pill, water pill. Now that's costly but I thank my lucky stars, at least Im still here. And just remember you think you got it bad, until you hear someone elses problems. Then they are the one with the real problems!! Things are hard for now and we will find a better way to make it thru.

Bethsmom
Bethsmom 2010-01-04 16:05:36 -0600 Report

I am just joining this site. I am not Diabetic however my daughter has been since she was 4…27 yrs now. I always hoped and prayed there would be a cure by now but not yet. When she was first diagnosed there was not even blood meters you could buy for home use. I am glad I found all of you!!!

Harlen
Harlen 2010-01-03 18:13:03 -0600 Report

yep it cost money for each pill for me
even with ins runs 250 a month whith me and my wife and thats not the pump supplies
I dont think I know what your Question is ???
Best wishes
Harlen

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