ok, so my insurance is not the best. i'm considering charity hospitals. what is the pros and cons? i'm sick of paying $185 for insurance every month and paying out of the butt for medical bills which my insurance doesn't cover. also, my co-pays on my meds are outrageous. i need a little pick me up, i'm really getting disgusted over all my bills!!!!!!!!!!!!!!!!!!!!!
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charity vs. insurance that doesn't pay crap
- Thread starter hbollotte
- Start date
ok, so my insurance is not the best. i'm considering charity hospitals. what is the pros and cons? i'm sick of paying $185 for insurance every month and paying out of the butt for medical bills which my insurance doesn't cover. also, my co-pays on my meds are outrageous. i need a little pick me up, i'm really getting disgusted over all my bills!!!!!!!!!!!!!!!!!!!!!
ok, so my insurance is not the best. i'm considering charity hospitals. what is the pros and cons? i'm sick of paying $185 for insurance every month and paying out of the butt for medical bills which my insurance doesn't cover. also, my co-pays on my meds are outrageous. i need a little pick me up, i'm really getting disgusted over all my bills!!!!!!!!!!!!!!!!!!!!!
my65roses4me
New member
I dont have much to say other than im sorry you are frustrated! The expenses of this disease can be really taxing! I hope you find a better option soon hugs to you!!
my65roses4me
New member
I dont have much to say other than im sorry you are frustrated! The expenses of this disease can be really taxing! I hope you find a better option soon hugs to you!!
my65roses4me
New member
I dont have much to say other than im sorry you are frustrated! The expenses of this disease can be really taxing! I hope you find a better option soon hugs to you!!
there are assistance programs out there for paying for some of the CF drugs. You can contact Cystic Fibrosis Assistance Program at 1-888-315-4154 they provide assistance for Pulmozyme, Cayston and HTS and then there is PSI who does the tobraymycin at 1-800-366-7741. I use them both! Call them and get the application for assistance!
Jennifer 38 with CF and CFRD
Jennifer 38 with CF and CFRD
there are assistance programs out there for paying for some of the CF drugs. You can contact Cystic Fibrosis Assistance Program at 1-888-315-4154 they provide assistance for Pulmozyme, Cayston and HTS and then there is PSI who does the tobraymycin at 1-800-366-7741. I use them both! Call them and get the application for assistance!
Jennifer 38 with CF and CFRD
Jennifer 38 with CF and CFRD
there are assistance programs out there for paying for some of the CF drugs. You can contact Cystic Fibrosis Assistance Program at 1-888-315-4154 they provide assistance for Pulmozyme, Cayston and HTS and then there is PSI who does the tobraymycin at 1-800-366-7741. I use them both! Call them and get the application for assistance!
<br />
<br />
<br />Jennifer 38 with CF and CFRD
<br />
<br />
<br />Jennifer 38 with CF and CFRD
I use both of them!! It's still frustrating even though they pay my outrageous co-pays. Don't know what I'd do without them. Before I got on my husbands insurance my old insurance was awesome, I'd still be on it, but I'm teaching now. My copay for TOBI and pulmo was $50 now it's $1200 or so.
I use both of them!! It's still frustrating even though they pay my outrageous co-pays. Don't know what I'd do without them. Before I got on my husbands insurance my old insurance was awesome, I'd still be on it, but I'm teaching now. My copay for TOBI and pulmo was $50 now it's $1200 or so.
I use both of them!! It's still frustrating even though they pay my outrageous co-pays. Don't know what I'd do without them. Before I got on my husbands insurance my old insurance was awesome, I'd still be on it, but I'm teaching now. My copay for TOBI and pulmo was $50 now it's $1200 or so.
That is a horrible copay of 1200 for TOBI but if you are on the assistance program then they are paying for it, right? are you frusterated with the other drugs that you do not get assistance with? Are you on Medicare or Medicaid? Maybe you can try for that too? Yes, it is totally frusterating to deal with the financial side of CF, it is a huge burden and scary too. I am sure we can all atest that we feel the same way! Maybe healthcare reform will help, hopefully it will not hurt!
Stay positive!
Breathe Easy!
Jennifer 38 with CF and CFRD
Stay positive!
Breathe Easy!
Jennifer 38 with CF and CFRD
That is a horrible copay of 1200 for TOBI but if you are on the assistance program then they are paying for it, right? are you frusterated with the other drugs that you do not get assistance with? Are you on Medicare or Medicaid? Maybe you can try for that too? Yes, it is totally frusterating to deal with the financial side of CF, it is a huge burden and scary too. I am sure we can all atest that we feel the same way! Maybe healthcare reform will help, hopefully it will not hurt!
Stay positive!
Breathe Easy!
Jennifer 38 with CF and CFRD
Stay positive!
Breathe Easy!
Jennifer 38 with CF and CFRD
That is a horrible copay of 1200 for TOBI but if you are on the assistance program then they are paying for it, right? are you frusterated with the other drugs that you do not get assistance with? Are you on Medicare or Medicaid? Maybe you can try for that too? Yes, it is totally frusterating to deal with the financial side of CF, it is a huge burden and scary too. I am sure we can all atest that we feel the same way! Maybe healthcare reform will help, hopefully it will not hurt!
<br />
<br />Stay positive!
<br />
<br />Breathe Easy!
<br />Jennifer 38 with CF and CFRD
<br />
<br />Stay positive!
<br />
<br />Breathe Easy!
<br />Jennifer 38 with CF and CFRD
I wonder if you're dealing with a formulary/non-formulary issue. IMO, contact your insurance company to see why the copay is so high. If it is an issue with it being a non-formulary then contact your clinic and ask your doctor to fill out a Provider Request for Non-Formulary Medication.
We had to do that with one of DS' medication. Basically your doctor indicates that there is NO other substituion for that medication and that it needs to be covered.
Otherwise, does your plan have an out of pocket maximum? With us, we're responsible for a copay of either $15 or 30 and 20% until we reach $1000, then we "just" have to pay the $15 or $30 copay for each medication.
We had to do that with one of DS' medication. Basically your doctor indicates that there is NO other substituion for that medication and that it needs to be covered.
Otherwise, does your plan have an out of pocket maximum? With us, we're responsible for a copay of either $15 or 30 and 20% until we reach $1000, then we "just" have to pay the $15 or $30 copay for each medication.
I wonder if you're dealing with a formulary/non-formulary issue. IMO, contact your insurance company to see why the copay is so high. If it is an issue with it being a non-formulary then contact your clinic and ask your doctor to fill out a Provider Request for Non-Formulary Medication.
We had to do that with one of DS' medication. Basically your doctor indicates that there is NO other substituion for that medication and that it needs to be covered.
Otherwise, does your plan have an out of pocket maximum? With us, we're responsible for a copay of either $15 or 30 and 20% until we reach $1000, then we "just" have to pay the $15 or $30 copay for each medication.
We had to do that with one of DS' medication. Basically your doctor indicates that there is NO other substituion for that medication and that it needs to be covered.
Otherwise, does your plan have an out of pocket maximum? With us, we're responsible for a copay of either $15 or 30 and 20% until we reach $1000, then we "just" have to pay the $15 or $30 copay for each medication.
I wonder if you're dealing with a formulary/non-formulary issue. IMO, contact your insurance company to see why the copay is so high. If it is an issue with it being a non-formulary then contact your clinic and ask your doctor to fill out a Provider Request for Non-Formulary Medication.
<br />
<br />We had to do that with one of DS' medication. Basically your doctor indicates that there is NO other substituion for that medication and that it needs to be covered.
<br />
<br />Otherwise, does your plan have an out of pocket maximum? With us, we're responsible for a copay of either $15 or 30 and 20% until we reach $1000, then we "just" have to pay the $15 or $30 copay for each medication.
<br />
<br />We had to do that with one of DS' medication. Basically your doctor indicates that there is NO other substituion for that medication and that it needs to be covered.
<br />
<br />Otherwise, does your plan have an out of pocket maximum? With us, we're responsible for a copay of either $15 or 30 and 20% until we reach $1000, then we "just" have to pay the $15 or $30 copay for each medication.