Out of the 13 medicines that are prescribed for my family, 5 of them are not covered under our new insurance. When the new year began, I was initially happy that our new insurance covered my doctors and had a lower premium. We knew that the lower premium would be balanced out by the higher co-pays for some specialists. But, we never expected to have the prescription benefits be so poor.
The last two days have been a depressing scramble to find ways to get my medicine without going bankrupt. These aren’t unnecessary medicines, either. They’re medicines that treat Sjogren’s Syndrome, Mast Cell Disorder, Epilepsy, Ehlers Danlos Syndrome, Small Fiber Neuropathy, Vocal Chord Dysfunction, and more. None of these medications are controlled substances, such as narcotics. But, they’re all needed.
Now, I’m faced with a list of drugs that need doctor pre-authorization, possible step changes, dose limits and being forced to use mail-order pharmacy. I’m looking at getting a few medicines with home delivery and the rest at numerous pharmacies around town. I’ll be driving to 3 different local pharmacies and using Good RX and We RX coupons to make the drugs somewhat affordable. In order to do this, these prescriptions all have to be transferred.
A few of the prescriptions have to be pre-authorized by the doctor and the insurance, which is taking lots of phone calls and visits to the doctor. Some of the medicine prescriptions will need to be changed to a different dosage and number, so that means more phone calls. It’s embarrassing to have to call doctors and ask for help, because the insurance company is treating us like this.
I’ve been printing out all the Good Rx coupons and trying to navigate the horrible Express Scripts website. This is all giving me such a headache. When you pay lots of money for insurance, your long-term medications should not be hard to get. They should also be paid for!
Now, our budget is even worse than ever because of all the new prescription increases and charges. And, I doubt that this is the end. I have more cardiology appointments, which may result in more medications. My rheumatologist also called this week and said my White Blood Count was low. She wants to retest me soon, and that could lead to something bad. There seems to be no end in sight.
As I’ve researched ways to save money on prescriptions, I’ll share some great resources that I’ve found:
These resources offer great information to help you be wise and save as much as possible on your much-needed prescriptions. One of the tips I’m making note of is: Just because I’ve found the lowest price, it may change. I need to check every month to see if there has been an increase in the price.
While I’m going through this stressful time, I’m trying to remain calm and pray for peace and wisdom to make good decisions. I’ve noticed an increase in heart palpitations and shortness of breath. So, I’m resting as much as I need to, because I don’t want to have worse symptoms.
“Come to me, all who labor and are heavy laden, and I will give you rest. Take my yoke upon you, and learn from me, for I am gentle and lowly in heart, and you will find rest for your souls. For my yoke is easy, and my burden is light.” Matthew 11: 28-30
@2019, copyright Lisa Ehrman