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INSURANCE COPAY INCREASE
self | February 28, 2013 | swampsniper

Posted on 02/27/2013 11:04:59 PM PST by SWAMPSNIPER

I just refilled prescriptions for the month. It varies, some of them are as needed and I can sometimes skip a month.

If nothing changes my monthly copay is now going to average $90.00 more, at least an $1080.00 year increase.

I sure hope Fluke enjoys her free birth control!


TOPICS: Chit/Chat; Health/Medicine
KEYWORDS: copay; cost; drugs; pharmaceuticals

1 posted on 02/27/2013 11:05:10 PM PST by SWAMPSNIPER
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To: SWAMPSNIPER
I just have to not go to the dr anymore....I had a physical with labs and one xray on a sore knee and it's almost like I don't even have insurance....

oh, to be on medicaid or medicare and have OTHERS pay for me....

2 posted on 02/27/2013 11:16:53 PM PST by cherry
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To: SWAMPSNIPER
Rush was talking about Donna Brazil complaining about her insurance going up this morning. She went to their office and


3 posted on 02/27/2013 11:24:01 PM PST by itsahoot (MSM and Fox free since Nov 1st. If it doesn’t happen here then it didn't happen.)
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To: cherry

Without the meds I’d be DRT in about 24 hours.


4 posted on 02/27/2013 11:24:50 PM PST by SWAMPSNIPER (The Second Amendment, a Matter of Fact, Not a Matter of Opinion)
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To: itsahoot

http://www.youtube.com/watch?v=z0NCSPh4HvM

Precious throw dat table like a frisbee! LOL!


5 posted on 02/27/2013 11:39:21 PM PST by cynwoody
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To: SWAMPSNIPER

I don’t mean this as a joke. The left thinks that if it is “right” for people to have something that all you need to do is pass a law and print more money. They are living in an economic fantasy land. Sadly, reason is beyond them. They think they are fixing health care when in fact they are destroying it.


6 posted on 02/28/2013 12:00:04 AM PST by Essie
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To: Essie

The kids are all paying increased payroll tax, gas is up, groceries are up and income is just sitting still. It isn’t possible to build up any reserves, if something big breaks down we are screwed.


7 posted on 02/28/2013 12:09:47 AM PST by SWAMPSNIPER (The Second Amendment, a Matter of Fact, Not a Matter of Opinion)
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To: SWAMPSNIPER

I only have a house payment and one car payment. My budget is $3,000 a month. It’s hard to come in under budget. The only thing we do is go to the grocery store and doctors’ visits. Gas prices are up. Food is up. Everything that’s delivered by a truck is up. So, it gets harder and harder to make the budget. Then a tooth ache starts. My dog has an ulcerated cornea and that’s a few hundred bucks. And truthfully, we feel like we’ve really been placed. I have no idea how people really up against it with kids are making it. And even more so, I can’t understand how some of them can still vote for obama.


8 posted on 02/28/2013 12:45:11 AM PST by Terry Mross (How long before America is gone?)
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To: SWAMPSNIPER

In this vein, my son, who happens to work for UPS, is in the middle of contract negations and the company asked/told the union they want full and PTers pay for their health insurance. All of it. Employee portion of Health care premiums to retirees costs skyrocket.

“Sniper, do you live w/in driving distance of a Walmart? I’ve found their prices are the best/cheapest.

Dunno what kind of rapport you have w/ your doc, but I make sure I whine and snivel to him about this dilemma of costs of drugs, and he always, always, sends me home with a bag of drugs from his supply/sample closet. I have him so conditioned....I don’t have to *cry* anymore. Really.


9 posted on 02/28/2013 12:58:38 AM PST by Daffynition (The essential American soul is hard, isolate, stoic, and a killer. It has never yet melted. — D.H.)
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To: Daffynition

The expensive ones, Advair and Spiriva, aren’t any cheaper at Walmart. The pharmacy I use now delivers. I’ve had to depend on that since the kids had to start traveling all over the county to work.


10 posted on 02/28/2013 1:06:00 AM PST by SWAMPSNIPER (The Second Amendment, a Matter of Fact, Not a Matter of Opinion)
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To: SWAMPSNIPER
I'm not sure if any of this applies to you; but there are at least a couple of ways to increase the uptake of some medications, so that you could take smaller doses. That might mean you could use less of the medication, and make your prescriptions go further.

Here's an article about how grapefruit (and other juices) can multiply the potency of a medication.

http://www.telegraph.co.uk/health/healthnews/9702908/Grapefruits-can-trigger-overdoses-in-dozens-of-medicines-researchers-warn.html

Alternatively, you might benefit from taking the medicine sublingually. That way, the medicine is absorbed directly into the blood stream; and doesn't have to make it past the kidneys first.

Neither of these methods works for all drugs. Naturally, you should consult your physician first.

11 posted on 02/28/2013 2:00:57 AM PST by USFRIENDINVICTORIA
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To: USFRIENDINVICTORIA
"make it past the kidneys liver first.
12 posted on 02/28/2013 2:06:13 AM PST by USFRIENDINVICTORIA
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To: SWAMPSNIPER

Try Sam’s Club Pharmacy, if you are a member, and ask them to quote prices without insurance.

My kid’s meds are alot cheaper because we refuse to run it through our prescription “benefit”.


13 posted on 02/28/2013 3:06:15 AM PST by LadyBuck (Illegal aliens are like sperm. Millions get in but only one works....)
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To: SWAMPSNIPER

I see. Check your FReepmail.


14 posted on 02/28/2013 3:07:42 AM PST by Daffynition (The essential American soul is hard, isolate, stoic, and a killer. It has never yet melted. — D.H.)
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To: SWAMPSNIPER

Can you get your meds mailorder? Ours are about 2/3 the price of what we’d pay at Costco.


15 posted on 02/28/2013 3:16:09 AM PST by old and tired
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To: SWAMPSNIPER

National Health Care plan = don’t get sick.


16 posted on 02/28/2013 3:24:32 AM PST by who knows what evil? (G-d saved more animals than people on the ark...www.siameserescue.org.)
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To: old and tired

I might be able to get them cheaper online but my insurance wouldn’t cover any of it at all.


17 posted on 02/28/2013 3:52:12 AM PST by SWAMPSNIPER (The Second Amendment, a Matter of Fact, Not a Matter of Opinion)
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To: SWAMPSNIPER

We gotta pay for those aids patients, sex “change” operations, and abortions.


18 posted on 02/28/2013 4:02:47 AM PST by I want the USA back
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To: USFRIENDINVICTORIA
Advair and Spiriva are inhaled. Nothing else I take is expensive but those are more expensive than gold or inkjet ink.

I eat a lot of citrus anyway, if they're in season I've always got a bag of oranges sitting near the computer.

19 posted on 02/28/2013 4:04:08 AM PST by SWAMPSNIPER (The Second Amendment, a Matter of Fact, Not a Matter of Opinion)
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To: SWAMPSNIPER

My Anthem-Blue Cross coverage was dropped. It provided generic prescriptions with “0” co-pays. My new coverage has co-pays of almost $8.00 for generics and reduced hospitalization benefits.


20 posted on 02/28/2013 4:21:29 AM PST by luvbach1 (We are finished.)
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To: cherry

Be careful what you wish for. Medicare isn’t all it’s cracked up to be! I’m a poor widow on Medicare and trying to survive on SS widow’s benefits with multiple medical problems. The government pays ONLY Part A. Last year I paid:

$1199 for Part B
$1197 for Supplemental Insurance to cover everything Medicare doesn’t
$ 540 for Part D (Rx)
$1456 for Rx copays
$ 531 for dentist
$ 456 for glasses & exam (after 5 years)

By October, I was in the donut hole and could no longer afford the copays for my 3 asthma meds. (The rest are on the lower Walmart generic list and the most expensive copays are $24/month so I can usually afford them.) The doctor gave me 2 Advair inhalers but didn’t have samples for the rest, so I had to do without.

This year, my supplemental premiums are going up every month. Who knows what they will be next year?

My medical expenses on WONDERFUL Medicare are almost half of my monthly income, leaving me with a little over $7000 a year for all my other living expenses. What Medicare and the supplemental insurance (you MUST get to cover your other medical expenses) will be less and less as the premiums go up and up. Pretty soon, the poor or almost-poor seniors won’t be able to afford the premiums or their copays and will have no choice but to rollover and die (which is their plan IMO).

Lest you think I’m a ne-er-do-well, I started working a real job part-time when I was in high school, continued through college and all my life until my medical problems became too much. No one wants to hire me anymore, so I’m stuck until I’m old enough to collect my own SS benefits which will be more than widow’s benefits. I’m not on welfare or food stamps or Medicaid because I refuse to do that. Maybe I’m stupid, but I was brought up in a different age.

Don’t wish to be on Medicare! It ain’t all it’s cracked up to be.


21 posted on 02/28/2013 4:58:15 AM PST by MomofMarine
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To: SWAMPSNIPER

Whatever you do, don’t stop taking Advair twice a day. I did, trying to make it last twice as long, and got myself in a real mess! The allergist said you have to take the full daily dose for it to work.


22 posted on 02/28/2013 5:03:07 AM PST by MomofMarine
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To: cherry
People on Medicare do NOT get it for FREE. I paid into FICA when I worked, pay each month a premium and then deductibles and co=pays.
23 posted on 02/28/2013 5:03:40 AM PST by Coldwater Creek (He who dwells in the shelter of the Most High will rest in the shadows of the Almighty Psalm 91:)
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To: SWAMPSNIPER
My wife and I recently both went on Medicare. It is hardly free. Our out-of-pocket costs start out at $7,500.00 a year. That's $2,400 for Medicare hospitalization, $3,600 for "Medigap", and $1,500 for drug coverage. We were paying less than that for "high deductible" coverage before we turned 65.

In addition, we are no longer allowed a Health Savings Account deduction, and the Death Panels are already telling us what is covered, and what isn't. There is nothing from the government that is free.

24 posted on 02/28/2013 5:43:04 AM PST by norwaypinesavage (Galileo: In science, the authority of a thousand is not worth the humble reasoning of one individual)
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To: norwaypinesavage
I used to buy from a Canadian pharmacy, same stuff at about 1/7 the cost. The only real problem with that is U.S. Customs stops some shipments seemingly at random. I got one order with a bright orange U.S. customs warning on it. They aren't likely to do anything to you, but if you're counting on getting your meds you could be in trouble.

A 3 month supply of the Spiriva equivalent costs less than the copay on a 30 day supply, and that is total, no insurance involved.

25 posted on 02/28/2013 7:59:53 AM PST by SWAMPSNIPER (The Second Amendment, a Matter of Fact, Not a Matter of Opinion)
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To: Coldwater Creek

I paid into the system for 45 years, never even drew unemployment. I don’t milk the system but I don’t mind taking what I was promised.


26 posted on 02/28/2013 8:05:26 AM PST by SWAMPSNIPER (The Second Amendment, a Matter of Fact, Not a Matter of Opinion)
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To: SWAMPSNIPER

How be dat Obummercare workin’ fo’ ya’?


27 posted on 02/28/2013 1:37:39 PM PST by MIchaelTArchangel (Have a wonderful day!)
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To: SWAMPSNIPER
I might be able to get them cheaper online but my insurance wouldn’t cover any of it at all.

Sorry to hear that. Our insurance company was the one who turned us onto the mailorder meds in the first place. We figure they probably get some kind of cut, but since it's cheaper for us, we've never looked into it.

28 posted on 02/28/2013 4:12:42 PM PST by old and tired
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