Thursday, May 14, 2009

The Cost of Health

So, I'm no healthcare expert. Nor do I understand why it's a big deal for everyone to have basic health coverage (and even gasp! have the government help foot the bill). However, my own experiences with navigating the world of doctors, insurance companies and prescriptions has left me realizing it's a full time job to manage one's healthcare.

As a graduate student, I am afforded insurance, so I don't have to get married or get another job in order to have health insurance. As someone with a pre-existing condition, this is key. well color me broke when I realized my prescription benefits had been cut from $3500 to $2000. I went to the pharmacy and was told I would have to shell out $300+ a month for my 30 dang pills. Well. Of course I freaked out. After calling the insurance and the pharmacy, I called student health and a wonderful woman gave me a plethora of resources to check on free or reduced medication.

Many of the programs are for low-income, poor, or working-poor families. I only looked at the ones that were free, not the paid services that "found" free programs. At any rate. I applied for a few but was denied because I did have coverage or I made too much money. Yet I found one, Xubex that helped me find the appropriate programs for which to apply.

I got a free 30 day supply and will be able to order a 90 day supply for $40 ( i was paying $25/mo under my student insurance). Come August 22, I'll have my coverage again, but I wonder just how many people go through these types of struggles? I wanted to share a little bit of information if it could be of benefit.

Some helpful resources:
Pfizer Friends