So, here we are, the new year, new health insurance. I said goodbye to my HMO, and apparently, my $10.00 prescription co-pay.
I knew I had a $2600.00 deductible for the year, but how this was going to be under the prescription plan was a mystery. Until today.
After suffering a spate of health issues right at the end of 2013, I mean literally up until December 31, I was having testing, seeing several
doctors, and trying to get some health issues that had seemingly come from nowhere resolved, I have suddenly found myself facing a possible diagnosis
Right now, it's unknown, and I have been trying to get an appointment since January 5.
I already have back pain issues, and have for some years. I go to a pain clinic, and had already been given a prn, or "as needed" prescription for
Fentanyl duragesic patches, 0.25 mcg, for severe pain occurences. I used them rarely. In fact, my last refill, July, 2013, of 15 patches, had lasted
me until January. I paid $10.00 for the co-pay when I got this filled.
I have been experiencing severe pain due to a recent issue which may be the base cause of a lot of my pain afterall, and they discovered a tumor on my
left ovary, along with a cyst that I have had since 2005, that has worsened.
So, at this point, until I can get it diagnosed, removed, and find out if it is benign or not, I have no choice but to live with this pain, and the
severe difficulty in walking. That appointment is Jan 31, so that is the beginning of a whole new set of out of pocket bills and expenses.
I telephoned the pain clinic, and since my next visit is not until Feb. 11, they wrote me a refill for 15 more patches. My husband took it to be
filled tonight, and he was on the phone when they checked him out.
I still can find no information about my prescription plan, but, I think this was the full retail price. I knew that I would be paying all doctor
bills out of pocket until I met my deductible, but had no idea prescriptions would be included. So, it looks like no true "co-pay" until the
deductible is met there, as well.
To be honest, I am terrified. I don't know how I am going to refill my normal pain meds, all of my regular prescriptions, PLUS see a doctor that I
All of this has to happen now. I might have cancer. It's not something I can wait a few months to handle. I just don't know what to do.
On top of all that, my premium for myself and my husband went from 118.00 every two weeks, to 335.00 every two weeks, so what little "disposeable"
income we had is sucked up in premiums.
I am simply panicking now. I am basically going to have to cough up the full deductible in the month of January. I don't know how people are going to
be expected to do this. I can foresee a lot of people going without needed medical care because of this, many with much higher premiums and
deductibles than we have.
If, if, I have cancer, this isn't even touching the costs of treatment and co-pays afterwards. Even if I do not, I am still facing surgery for removal
and pathology of this tumor.
And no, we won't qualify for any government assistance. We make too much, and there is no way we would qualify for anything. I have to keep my job,
firstly because I love it, and secondly, because I insure both of us. I am nowhere near retirement age, and already took a loan against my retirement
plan to pay medical bills. The only option I can foresee is racking up a lot of bills, and eventually filing bankruptcy, but it won't help at all with
the high out of pocket pain med and prescription costs.
I am simply at a loss as to what to do, or how to handle this. I may not be able to afford cancer treatment, but I simply cannot forego the pain
medication. It is the only way I can face each day, and accomplish anything. My pain is 10/10 without it, and sometimes 8/10 even with it.
I am open to any suggestions, but giving up and going on disability is not an option. I am also not fond of the group funding thing.
edit on 21-1-2014 by Libertygal because: (no reason given)