I just opened the bill for a simple surgery and was shocked to see that it was almost $6,000! Woah!
Luckily, it was the end of my insurance year, so I had already met my deductible and out of pocket limit. So I won't have to pay a copay on that bill.
That also tells me that I have spent a LOT of money on medical care over the last year.
If you are in the same boat, what can you do?
We use manufacturer's coupons for our inhalers. Son #2 and daughter Kitty and I are all on long term controller (maintenance) inhalers. Even thought insurance pays for most, we still have a $75 copay each month (for each of us.)
Luckily, I have a really good pharmacy that knows us well (since we visit them so often.....) and they will search for manufacturer's coupons for us. So, instead of paying a $75 copay for my inhaler each month, I pay $25. In fact, when I renew my prescription each year, they search for a new coupon to apply to my copay. And they do that for my son and daughter's inhalers too.
Years ago (in 2007), Son #2 was on a biologic injection to control his severe asthma. The medicine was given as a shot once a month, and his tiny vial of medicine was $1,000 per month. And he had monthly injections for 7 years. Insurance covered most of it, but we had a $125 copay each month.
Which doesn't sound like much - but there are 4 of us with allergies and asthma, so monthly meds really add up. We found help on a website called Needymeds. They are a sort of website where you can go to find help with co-pays, find a low income/free clinic near you, etc,
Want to see if your drug has a copay help or coupon? Click here and select from the alphabet list of medicines.
Want to find a clinic that is free/low incomes/or pay what you can afford? Click here.
Want to attend a camp about asthma? You can find some listed here.
Or you can search for camps or retreats for any other medical condition too.
So, you may have to do a little digging, but there are a lot of programs out there that can help.