High deductible making medication unaffordable, alternatives?
Edit: My deductible is $6500 and I’ve checked all the discount sites expect for Mark Cuban, I will be looking into that one! I spoke with my doctors and my HR rep and they both are telling me to get started on the HSA, I didn’t think to sign up for that when I started because I never needed it in the past and I’m working a real temporary job while I get through grad school and only bring home about $2k a month. But hey, if I’m gonna be spending the money anyway I might as well. I appreciate all of your advice, this is not a very pleasant reality for a sick person and I’m really struggling navigating my options on my own. My parents aren’t around anymore and all my friends are still on their parents insurance so this is all very new to me with very little real world resources. I really do appreciate your willingness to respond and stepping up to help a stranger 🙂
I just started working with a new employer that has a high deductible plan and none of my previous medications are covered. I guess I can’t really say that though because they are covered, the copay just goes straight to the deductible so I’d be paying over $2000 a month for 5 medications that cost me a total of $35 a month on my insurance through my previous employer. I do not know what to do, some of these are keeping me alive and there aren’t any alternatives available. The generic costs aren’t any different either. I’ve exhausted all discounts and alternatives I can so it’s either I pay the 2 grand, which isn’t an option because I don’t even have that in disposable income after bills, or I stop taking them and risk losing my livelihood because they’re the only thing keeping me from having seizures or dying in my sleep. Has anyone else had this and found alternatives? I’d consider getting insurance outside of my employer but I don’t think I can because I’m required to be on this plan if I’m unmarried.