I see this as a good thing, frankly. If someone needs a bunch of drugs to function, they are going to really be SOL if the Mayans and the bible are right about next December...
No doctor visits or prescription drugs here either-and the OTC ones are rarely used. Living in the middle of nowhere, doing physical work for my money and eating a natural, fresh food diet, doing my own chores and using natural remedies have done more to stave off the worst effects of a couple of back injuries far better than any surgery or drug could, I think. I lived the same way in good economic times-I just had more work, better cuts of meat and fancier veggies.
Several of my self-employed neighbors, all men-because of less available work and hence, less money have cut out of their entire family budget prescription anti-depressants, pain killers, cholesterol meds, etc and gone natural in diet and remedies. They exercise more, have lost weight and are not so bothered by old injuries. and feel and look younger, as do their wives.
I also had a bunch of drugs prescribed for MrT5 before his death with “street value”. After he died, one of the first things I did was to flush them before I was tempted to use them to ease the financial crunch. My septic field is probably still hallucinating...
—My septic field is probably still hallucinating...—
You may have some very happy field mice or moles running around your place. ;)
Bought our first persc. drug of the year............organic tier 2 was 18$ for 90 days.....NOW is tier 3..and will now cost 115.00.
Tier 3 is for name brand drugs............btw all other organic drugs(of this type) like this are now tier 3............?
What Are Formulary Tiers?
Tiers are groups of drugs that fall within description and pricing groups:
Tier 1 or Tier I: Tier 1 drugs are usually limited to generic drugs, the lowest cost drugs. Sometimes other, regularly lower price branded drugs will fall into this tier, too. Tier I drugs cost us the lowest co-pays, usually $10 to $25.
Tier 2 or Tier II: Tier II is usually comprised of brand name drugs or more expensive generics. If you must take a brand name drug, your payer will have a list of branded drugs it prefers (because their cost is less, explained below.) These preferred brands are found in Tier 2. Tier II drugs cost us a middle-value co-pay, usually $15 to $50.
Tier 3: or Tier III: The more expensive brand name drugs, and usually the ones your insurance company doesn’t want you to get a prescription for (because their cost is higher, explained below) are also considered non-preferred. They are found in Tier 3. Tier III drugs will cost us even more than the lower tiers, usually $25 to $75 co-pay.
Tier 4 or Tier IV, also called specialty drugs: These are usually newly approved pharmaceutical drugs, and are so expensive that your payer wants to discourage prescriptions for the drug. Tier IV is a newer designation, first used in 2009.
A Tier IV designation seems to be a catch-all for expensive drugs. Rather than assign a specific dollar co-pay, payers will assign a percentage, like 60%. For example, a very expensive chemo drug, priced at $1,000 may cost the patient $600.
Why Are Drugs Listed in Tiers?
This is a one word answer: money.