$120 doesn't sound too bad to me. I'm not really sure exactly how much I spend in a month. I pay $10 co-pay a month for albuterol and $5 co-pay for Ultrase (I get $20 off using the axcan rx complete discount). I pay $10 for Ranitidine for my acid reflux. For vitamins, it varies. I buy them from a company that usually offers specials, (buy 1, get 2 free) and they usually last a while. I just bought some a few days ago and I think the order was $27.00. My dr. co-pay is $15 for my pcp and it is $45 for the cf clinic. I go to the clinic every 3 months and my pcp every 4-6 months or so. We have drug coverage which is $10 for generic, $25 for drugs on the preferred list, and $50 for drugs not on the list. I don't recall ever having to pay the $50 though. Although our insurance is an HMO (which I know many are not good), it is pretty good insurance. The only thing I hate is having to get referrals from my pcp.
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$120 doesn't sound too bad to me. I'm not really sure exactly how much I spend in a month. I pay $10 co-pay a month for albuterol and $5 co-pay for Ultrase (I get $20 off using the axcan rx complete discount). I pay $10 for Ranitidine for my acid reflux. For vitamins, it varies. I buy them from a company that usually offers specials, (buy 1, get 2 free) and they usually last a while. I just bought some a few days ago and I think the order was $27.00. My dr. co-pay is $15 for my pcp and it is $45 for the cf clinic. I go to the clinic every 3 months and my pcp every 4-6 months or so. We have drug coverage which is $10 for generic, $25 for drugs on the preferred list, and $50 for drugs not on the list. I don't recall ever having to pay the $50 though. Although our insurance is an HMO (which I know many are not good), it is pretty good insurance. The only thing I hate is having to get referrals from my pcp.
$120 doesn't sound too bad to me. I'm not really sure exactly how much I spend in a month. I pay $10 co-pay a month for albuterol and $5 co-pay for Ultrase (I get $20 off using the axcan rx complete discount). I pay $10 for Ranitidine for my acid reflux. For vitamins, it varies. I buy them from a company that usually offers specials, (buy 1, get 2 free) and they usually last a while. I just bought some a few days ago and I think the order was $27.00. My dr. co-pay is $15 for my pcp and it is $45 for the cf clinic. I go to the clinic every 3 months and my pcp every 4-6 months or so. We have drug coverage which is $10 for generic, $25 for drugs on the preferred list, and $50 for drugs not on the list. I don't recall ever having to pay the $50 though. Although our insurance is an HMO (which I know many are not good), it is pretty good insurance. The only thing I hate is having to get referrals from my pcp.
$120 doesn't sound too bad to me. I'm not really sure exactly how much I spend in a month. I pay $10 co-pay a month for albuterol and $5 co-pay for Ultrase (I get $20 off using the axcan rx complete discount). I pay $10 for Ranitidine for my acid reflux. For vitamins, it varies. I buy them from a company that usually offers specials, (buy 1, get 2 free) and they usually last a while. I just bought some a few days ago and I think the order was $27.00. My dr. co-pay is $15 for my pcp and it is $45 for the cf clinic. I go to the clinic every 3 months and my pcp every 4-6 months or so. We have drug coverage which is $10 for generic, $25 for drugs on the preferred list, and $50 for drugs not on the list. I don't recall ever having to pay the $50 though. Although our insurance is an HMO (which I know many are not good), it is pretty good insurance. The only thing I hate is having to get referrals from my pcp.
$120 doesn't sound too bad to me. I'm not really sure exactly how much I spend in a month. I pay $10 co-pay a month for albuterol and $5 co-pay for Ultrase (I get $20 off using the axcan rx complete discount). I pay $10 for Ranitidine for my acid reflux. For vitamins, it varies. I buy them from a company that usually offers specials, (buy 1, get 2 free) and they usually last a while. I just bought some a few days ago and I think the order was $27.00. My dr. co-pay is $15 for my pcp and it is $45 for the cf clinic. I go to the clinic every 3 months and my pcp every 4-6 months or so. We have drug coverage which is $10 for generic, $25 for drugs on the preferred list, and $50 for drugs not on the list. I don't recall ever having to pay the $50 though. Although our insurance is an HMO (which I know many are not good), it is pretty good insurance. The only thing I hate is having to get referrals from my pcp.
I pay that in prescription co pays monthly not counting food, doctors etc. I have just started keeping a log for tax purposes. I dont know how it works in Japan, but we can put cost of trips to the doctor plus the actual cost of care (doctor, meds etc).
It does add up throughout the year so I would listen to your wife.....LOL....like you dont know that!
It does add up throughout the year so I would listen to your wife.....LOL....like you dont know that!
I pay that in prescription co pays monthly not counting food, doctors etc. I have just started keeping a log for tax purposes. I dont know how it works in Japan, but we can put cost of trips to the doctor plus the actual cost of care (doctor, meds etc).
It does add up throughout the year so I would listen to your wife.....LOL....like you dont know that!
It does add up throughout the year so I would listen to your wife.....LOL....like you dont know that!
I pay that in prescription co pays monthly not counting food, doctors etc. I have just started keeping a log for tax purposes. I dont know how it works in Japan, but we can put cost of trips to the doctor plus the actual cost of care (doctor, meds etc).
It does add up throughout the year so I would listen to your wife.....LOL....like you dont know that!
It does add up throughout the year so I would listen to your wife.....LOL....like you dont know that!
I pay that in prescription co pays monthly not counting food, doctors etc. I have just started keeping a log for tax purposes. I dont know how it works in Japan, but we can put cost of trips to the doctor plus the actual cost of care (doctor, meds etc).
It does add up throughout the year so I would listen to your wife.....LOL....like you dont know that!
It does add up throughout the year so I would listen to your wife.....LOL....like you dont know that!
I pay that in prescription co pays monthly not counting food, doctors etc. I have just started keeping a log for tax purposes. I dont know how it works in Japan, but we can put cost of trips to the doctor plus the actual cost of care (doctor, meds etc).
It does add up throughout the year so I would listen to your wife.....LOL....like you dont know that!
It does add up throughout the year so I would listen to your wife.....LOL....like you dont know that!
mom2lillian
New member
I pay a flat fee for everything through my insurance i.e doc visits $15 hospital admission, ER visit, surgery $100. RX for me are 100% covered but used to have to pay 10% up to $3,000 a year maximum.
I have a feature on my insurance website where I can review claims for any period of time and just monday I reviewd my claims to date and they totaled $37,000 which is average for me because while I have not been hospitalized yet it did include the $13,000 for the vest. My portion so far this year has been $1,300 but that is mostly ~1000 due to some dental work which is only 50% covered and chiropractic bills which due to a technicality in network changes did not get covered.
I have a feature on my insurance website where I can review claims for any period of time and just monday I reviewd my claims to date and they totaled $37,000 which is average for me because while I have not been hospitalized yet it did include the $13,000 for the vest. My portion so far this year has been $1,300 but that is mostly ~1000 due to some dental work which is only 50% covered and chiropractic bills which due to a technicality in network changes did not get covered.
mom2lillian
New member
I pay a flat fee for everything through my insurance i.e doc visits $15 hospital admission, ER visit, surgery $100. RX for me are 100% covered but used to have to pay 10% up to $3,000 a year maximum.
I have a feature on my insurance website where I can review claims for any period of time and just monday I reviewd my claims to date and they totaled $37,000 which is average for me because while I have not been hospitalized yet it did include the $13,000 for the vest. My portion so far this year has been $1,300 but that is mostly ~1000 due to some dental work which is only 50% covered and chiropractic bills which due to a technicality in network changes did not get covered.
I have a feature on my insurance website where I can review claims for any period of time and just monday I reviewd my claims to date and they totaled $37,000 which is average for me because while I have not been hospitalized yet it did include the $13,000 for the vest. My portion so far this year has been $1,300 but that is mostly ~1000 due to some dental work which is only 50% covered and chiropractic bills which due to a technicality in network changes did not get covered.
mom2lillian
New member
I pay a flat fee for everything through my insurance i.e doc visits $15 hospital admission, ER visit, surgery $100. RX for me are 100% covered but used to have to pay 10% up to $3,000 a year maximum.
I have a feature on my insurance website where I can review claims for any period of time and just monday I reviewd my claims to date and they totaled $37,000 which is average for me because while I have not been hospitalized yet it did include the $13,000 for the vest. My portion so far this year has been $1,300 but that is mostly ~1000 due to some dental work which is only 50% covered and chiropractic bills which due to a technicality in network changes did not get covered.
I have a feature on my insurance website where I can review claims for any period of time and just monday I reviewd my claims to date and they totaled $37,000 which is average for me because while I have not been hospitalized yet it did include the $13,000 for the vest. My portion so far this year has been $1,300 but that is mostly ~1000 due to some dental work which is only 50% covered and chiropractic bills which due to a technicality in network changes did not get covered.
mom2lillian
New member
I pay a flat fee for everything through my insurance i.e doc visits $15 hospital admission, ER visit, surgery $100. RX for me are 100% covered but used to have to pay 10% up to $3,000 a year maximum.
I have a feature on my insurance website where I can review claims for any period of time and just monday I reviewd my claims to date and they totaled $37,000 which is average for me because while I have not been hospitalized yet it did include the $13,000 for the vest. My portion so far this year has been $1,300 but that is mostly ~1000 due to some dental work which is only 50% covered and chiropractic bills which due to a technicality in network changes did not get covered.
I have a feature on my insurance website where I can review claims for any period of time and just monday I reviewd my claims to date and they totaled $37,000 which is average for me because while I have not been hospitalized yet it did include the $13,000 for the vest. My portion so far this year has been $1,300 but that is mostly ~1000 due to some dental work which is only 50% covered and chiropractic bills which due to a technicality in network changes did not get covered.
mom2lillian
New member
I pay a flat fee for everything through my insurance i.e doc visits $15 hospital admission, ER visit, surgery $100. RX for me are 100% covered but used to have to pay 10% up to $3,000 a year maximum.
I have a feature on my insurance website where I can review claims for any period of time and just monday I reviewd my claims to date and they totaled $37,000 which is average for me because while I have not been hospitalized yet it did include the $13,000 for the vest. My portion so far this year has been $1,300 but that is mostly ~1000 due to some dental work which is only 50% covered and chiropractic bills which due to a technicality in network changes did not get covered.
I have a feature on my insurance website where I can review claims for any period of time and just monday I reviewd my claims to date and they totaled $37,000 which is average for me because while I have not been hospitalized yet it did include the $13,000 for the vest. My portion so far this year has been $1,300 but that is mostly ~1000 due to some dental work which is only 50% covered and chiropractic bills which due to a technicality in network changes did not get covered.
Once we meet our $1000 out of pocket max for drugs we have a $15 copay. Otherwise we pay $15 and 20%. The Tobi and the pulmozyme usually help us to meet that $1000 by February of each year. With atrovent & albuterol, I'm able to get a 3 month supply, otherwise all the other meds are once a month -- probably spend about $150 on meds.
Regular office calls, we have a $20 copay locally -- because his CF doctor is out of network we pay $40.
We have flexible spending accounts thru work (pre-tax dollars) -- so we submit reimbursement requests for child care and medical expenses. And if we don't need the money, I throw it into a high interest bearing savings account for DS. The biggy is the giant $536 copay for tobi and the $200+ for Pulmozyme in January, around the same time the credit card bill comes thru from the holiday shopping. I know I'll get reimbursed, but I always have a horrible feeling in the pit of my stomach.
Regular office calls, we have a $20 copay locally -- because his CF doctor is out of network we pay $40.
We have flexible spending accounts thru work (pre-tax dollars) -- so we submit reimbursement requests for child care and medical expenses. And if we don't need the money, I throw it into a high interest bearing savings account for DS. The biggy is the giant $536 copay for tobi and the $200+ for Pulmozyme in January, around the same time the credit card bill comes thru from the holiday shopping. I know I'll get reimbursed, but I always have a horrible feeling in the pit of my stomach.
Once we meet our $1000 out of pocket max for drugs we have a $15 copay. Otherwise we pay $15 and 20%. The Tobi and the pulmozyme usually help us to meet that $1000 by February of each year. With atrovent & albuterol, I'm able to get a 3 month supply, otherwise all the other meds are once a month -- probably spend about $150 on meds.
Regular office calls, we have a $20 copay locally -- because his CF doctor is out of network we pay $40.
We have flexible spending accounts thru work (pre-tax dollars) -- so we submit reimbursement requests for child care and medical expenses. And if we don't need the money, I throw it into a high interest bearing savings account for DS. The biggy is the giant $536 copay for tobi and the $200+ for Pulmozyme in January, around the same time the credit card bill comes thru from the holiday shopping. I know I'll get reimbursed, but I always have a horrible feeling in the pit of my stomach.
Regular office calls, we have a $20 copay locally -- because his CF doctor is out of network we pay $40.
We have flexible spending accounts thru work (pre-tax dollars) -- so we submit reimbursement requests for child care and medical expenses. And if we don't need the money, I throw it into a high interest bearing savings account for DS. The biggy is the giant $536 copay for tobi and the $200+ for Pulmozyme in January, around the same time the credit card bill comes thru from the holiday shopping. I know I'll get reimbursed, but I always have a horrible feeling in the pit of my stomach.
Once we meet our $1000 out of pocket max for drugs we have a $15 copay. Otherwise we pay $15 and 20%. The Tobi and the pulmozyme usually help us to meet that $1000 by February of each year. With atrovent & albuterol, I'm able to get a 3 month supply, otherwise all the other meds are once a month -- probably spend about $150 on meds.
Regular office calls, we have a $20 copay locally -- because his CF doctor is out of network we pay $40.
We have flexible spending accounts thru work (pre-tax dollars) -- so we submit reimbursement requests for child care and medical expenses. And if we don't need the money, I throw it into a high interest bearing savings account for DS. The biggy is the giant $536 copay for tobi and the $200+ for Pulmozyme in January, around the same time the credit card bill comes thru from the holiday shopping. I know I'll get reimbursed, but I always have a horrible feeling in the pit of my stomach.
Regular office calls, we have a $20 copay locally -- because his CF doctor is out of network we pay $40.
We have flexible spending accounts thru work (pre-tax dollars) -- so we submit reimbursement requests for child care and medical expenses. And if we don't need the money, I throw it into a high interest bearing savings account for DS. The biggy is the giant $536 copay for tobi and the $200+ for Pulmozyme in January, around the same time the credit card bill comes thru from the holiday shopping. I know I'll get reimbursed, but I always have a horrible feeling in the pit of my stomach.
Once we meet our $1000 out of pocket max for drugs we have a $15 copay. Otherwise we pay $15 and 20%. The Tobi and the pulmozyme usually help us to meet that $1000 by February of each year. With atrovent & albuterol, I'm able to get a 3 month supply, otherwise all the other meds are once a month -- probably spend about $150 on meds.
Regular office calls, we have a $20 copay locally -- because his CF doctor is out of network we pay $40.
We have flexible spending accounts thru work (pre-tax dollars) -- so we submit reimbursement requests for child care and medical expenses. And if we don't need the money, I throw it into a high interest bearing savings account for DS. The biggy is the giant $536 copay for tobi and the $200+ for Pulmozyme in January, around the same time the credit card bill comes thru from the holiday shopping. I know I'll get reimbursed, but I always have a horrible feeling in the pit of my stomach.
Regular office calls, we have a $20 copay locally -- because his CF doctor is out of network we pay $40.
We have flexible spending accounts thru work (pre-tax dollars) -- so we submit reimbursement requests for child care and medical expenses. And if we don't need the money, I throw it into a high interest bearing savings account for DS. The biggy is the giant $536 copay for tobi and the $200+ for Pulmozyme in January, around the same time the credit card bill comes thru from the holiday shopping. I know I'll get reimbursed, but I always have a horrible feeling in the pit of my stomach.
Once we meet our $1000 out of pocket max for drugs we have a $15 copay. Otherwise we pay $15 and 20%. The Tobi and the pulmozyme usually help us to meet that $1000 by February of each year. With atrovent & albuterol, I'm able to get a 3 month supply, otherwise all the other meds are once a month -- probably spend about $150 on meds.
Regular office calls, we have a $20 copay locally -- because his CF doctor is out of network we pay $40.
We have flexible spending accounts thru work (pre-tax dollars) -- so we submit reimbursement requests for child care and medical expenses. And if we don't need the money, I throw it into a high interest bearing savings account for DS. The biggy is the giant $536 copay for tobi and the $200+ for Pulmozyme in January, around the same time the credit card bill comes thru from the holiday shopping. I know I'll get reimbursed, but I always have a horrible feeling in the pit of my stomach.
Regular office calls, we have a $20 copay locally -- because his CF doctor is out of network we pay $40.
We have flexible spending accounts thru work (pre-tax dollars) -- so we submit reimbursement requests for child care and medical expenses. And if we don't need the money, I throw it into a high interest bearing savings account for DS. The biggy is the giant $536 copay for tobi and the $200+ for Pulmozyme in January, around the same time the credit card bill comes thru from the holiday shopping. I know I'll get reimbursed, but I always have a horrible feeling in the pit of my stomach.