Better to share insurance info with drug company directly or negotiate first, pay out of pocket, and then bring that to CanadaLife?
I'm prescribed a niche, expensive drug for a chronic muscle issue, which has been getting worse as I get closer to 40. The out of pocket amount us ludicrous--the pharmaceutical company has basically priced the drug at exactly what would result in me having to pay the full $3500 deductible every year.
Pharmaceutical company is asked how much I'm willing to pay, and how much I make, if I have dependents, etc. Is that something I need to share with them? Could I not just lie?
What's the best lever to pull in this instance, is there something to arrange with CanadaLife or a means by which I could successfully negotiate with the pharmaceutical company in question?
Open to input or advice from anyone who has been in a comparable situation.
Thanks.
u/HandsomeLampshade123 — 14 days ago