Questions about having double insurance

[Dr.Destructo]

I've had to give up some medications because they quadrupled in price this January.
There are no "generics" for these drugs either, so I've had to give them up because I can't afford them.
And unfortunately, the main side effect I'm getting is weight gain which I cannot get rid of because of the other meds I take.

So, I'm stuck getting fat because I can't get the meds my Dr wants me on, to take care of my ailments and to keep the weight off.

I have a perscription plan paid for by my employer, but it doesn't pay much, especially now that the med I need has quadrupled this January.

I've looked into double prescription insurance, but I'm not sure exactly how it works, who the best company is for this, and so on.


Does anybody have double insurance, or understand how it works?

 

[Concerned American]

I've had to give up some medications because they quadrupled in price this January.
There are no "generics" for these drugs either, so I've had to give them up because I can't afford them.
And unfortunately, the main side effect I'm getting is weight gain which I cannot get rid of because of the other meds I take.

So, I'm stuck getting fat because I can't get the meds my Dr wants me on, to take care of my ailments and to keep the weight off.

I have a perscription plan paid for by my employer, but it doesn't pay much, especially now that the med I need has quadrupled this January.

I've looked into double prescription insurance, but I'm not sure exactly how it works, who the best company is for this, and so on.


Does anybody have double insurance, or understand how it works?

I really can't help you with the insurance question, but I am aware that many pharmaceutical companies will provide you with the meds if you can't afford them. Contact the company--can't hurt. Good Luck!

 

[Captain Caveman]

I've had to give up some medications because they quadrupled in price this January.
There are no "generics" for these drugs either, so I've had to give them up because I can't afford them.
And unfortunately, the main side effect I'm getting is weight gain which I cannot get rid of because of the other meds I take.

So, I'm stuck getting fat because I can't get the meds my Dr wants me on, to take care of my ailments and to keep the weight off.

I have a perscription plan paid for by my employer, but it doesn't pay much, especially now that the med I need has quadrupled this January.

I've looked into double prescription insurance, but I'm not sure exactly how it works, who the best company is for this, and so on.


Does anybody have double insurance, or understand how it works?

How much does medicines cost in the US? They're £9.90 each in the UK. What about seeing a nutritionist for a meal/diet plan?

We have the NHS so medical insurance is alien to most of us, although we private insurance companies here too.

https://healthnews.com/health-insurance/guides/having-two-health-insurance-plans/

 

[initforme]

So you pay for insurance but they won't cover your meds? That's pathetic on their part. The system has failed you in every aspect. This nation has yet to figure out healthcare.

 

[Harpy Eagle]

It is things like this that make me laugh when people say how amazing our healthcare system is.

 

[LordBrownTrout]

It is things like this that make me laugh when people say how amazing our healthcare system is.

Amazing how quickly it went down after obamacare. Healthcare isn't worth crap now.

 

[Harpy Eagle]

Amazing how quickly it went down after obamacare. Healthcare isn't worth crap now.

Is there anything at all in your entire life that you do not break down into partisan talking points?

 

[LordBrownTrout]

Is there anything at all in your entire life that you do not break down into partisan talking points?

Just stating a fact. I know its difficult for you but this isn't a partisan thing.

 

[Harpy Eagle]

Just stating a fact. I know its difficult for you but this isn't a partisan thing.

You are not stating a fact, you are parroting a talking point.

There were major issues like this before ObamaCare, which is why there even is an ObamaCare.

Did ObamaCare fix the problems....no and in many cases it made things worse.

But to pretend that ObamaCare caused the problems is just to walk around with a sign saying "LOOK AT ME, I AM A MINDLESS PARTISAN SHEEP"

 

[LordBrownTrout]

You are not stating a fact, you are parroting a talking point.

There were major issues like this before ObamaCare, which is why there even is an ObamaCare.

Did ObamaCare fix the problems....no and in many cases it made things worse.

But to pretend that ObamaCare caused the problems is just to walk around with a sign saying "LOOK AT ME, I AM A MINDLESS PARTISAN SHEEP"

Nope, wrong again.

 

[initforme]

It was bad before, way before. The greatest, Uber wealthiest nation on earth cannot figure out health care. Says something.

 

[Dr.Destructo]

I really can't help you with the insurance question, but I am aware that many pharmaceutical companies will provide you with the meds if you can't afford them. Contact the company--can't hurt. Good Luck!

Yeah, been there, done that.
I "make too much money", even though I can literally barely pay my rent.

I'd like to see THEM try to live on the measely amount I make!!!

 

[JohnDB]

I've had to give up some medications because they quadrupled in price this January.
There are no "generics" for these drugs either, so I've had to give them up because I can't afford them.
And unfortunately, the main side effect I'm getting is weight gain which I cannot get rid of because of the other meds I take.

So, I'm stuck getting fat because I can't get the meds my Dr wants me on, to take care of my ailments and to keep the weight off.

I have a perscription plan paid for by my employer, but it doesn't pay much, especially now that the med I need has quadrupled this January.

I've looked into double prescription insurance, but I'm not sure exactly how it works, who the best company is for this, and so on.


Does anybody have double insurance, or understand how it works?

Coupons....(yes they exist)
Search online for discount coupons for your medications. Once these are filed with your pharmacy they are good for a year. Then need to be renewed. It can really help with the cost of medications.

Some things like ozempic or menJaro or whatever don't because they are in such high demand they can barely keep up with manufacturing them.

 

[Dr.Destructo]

Coupons....(yes they exist)
Search online for discount coupons for your medications. Once these are filed with your pharmacy they are good for a year. Then need to be renewed. It can really help with the cost of medications.

Some things like ozempic or menJaro or whatever don't because they are in such high demand they can barely keep up with manufacturing them.

Been there, done this also.
These "coupons" are 90% scams, don't work, or don't work WITH insurance but against it.

 

[JohnDB]

Been there, done this also.
These "coupons" are 90% scams, don't work, or don't work WITH insurance but against it.

Ummm....dunno where you are currently looking but I've found coupons for a couple of expensive medicines and gotten the cost to zero using them. No gimmicks or scams involved. Just yesterday I went to pick up one and the coupon was ready to fill my prescription but insurance wasn't....I have to wait a week (I got plenty) so I had them put it back and got the rest.

I just think you need to READ and RESEARCH a bit more carefully and extensively. It's mundane BS....and tedious....but it's better than the alternative.

 

[frigidweirdo]

Amazing how quickly it went down after obamacare. Healthcare isn't worth crap now.

Healthcare has been getting more expensive because the big pharma companies, the hospitals, all the people making loads of money out of the healthcare system, have realized they can just do whatever they like.

Imagine that the US federal govt spends MORE per capita on healthcare than the UK govt does. And the UK govt gets a whole free at the point of delivery system for that money. The US gets most people not able to benefit for that.

You can blame Obamacare, but really price rises began way before that. And Obamacare will be the go to for lots of people once healthcare becomes way too expensive.

 

[LordBrownTrout]

Healthcare has been getting more expensive because the big pharma companies, the hospitals, all the people making loads of money out of the healthcare system, have realized they can just do whatever they like.

Imagine that the US federal govt spends MORE per capita on healthcare than the UK govt does. And the UK govt gets a whole free at the point of delivery system for that money. The US gets most people not able to benefit for that.

You can blame Obamacare, but really price rises began way before that. And Obamacare will be the go to for lots of people once healthcare becomes way too expensive.

I'll not argue those points. It was always becoming more expensive. One good thing about it though is that the penalty has been dropped.

 

[JohnDB]

Also....
Even when working for hourly wages....
$0.50/hr is only $20/wk. But health Insurance packages can vary greatly between two jobs more than making up the difference depending upon your circumstances.
Some insurance can about mother you to death...controlling your diet and exercise to a lot of other things or cut you off. (All in the name of heath)
Others do very very little....

So...wages are important but the ENTIRE compensation package is more so.

 

[Harpy Eagle]

I'll not argue those points. It was always becoming more expensive. One good thing about it though is that the penalty has been dropped.

The penalty was a joke and one of the least bad things about ObamaCare

 

[Concerned American]

Yeah, been there, done that.
I "make too much money", even though I can literally barely pay my rent.

I'd like to see THEM try to live on the measely amount I make!!!

Sounds like you've tried a lot. Good Rx?