I just switched jobs, and my new employer offers a high deductible health plan with either a $1,350 deductible (+ $28/month premium) or a $2,700 deductible (no premium). I chose the latter.
I'm 27 and in good health aside from a managed health condition for which I take a small maintenance dose of a medication (generic form) to prevent any flare-ups. Under my previous employer's PPO plan, I paid $20 for a 90-day supply. I assumed I'd pay roughly the same under this plan (even with the higher deductible). Needless to say, I was shocked when I saw that the same 90-day supply would cost me $800 under this new plan.
I'm not really sure where to go from here - I obviously didn't foresee this, so I didn't factor it into my (very tight) budget. And I've already selected the $2,700 deductible plan (before I had access to prescription pricing), so I'm afraid I'm locked into that. Thankfully, I have 1-2 months' supply left of the medication from when I last filled it, so I have some time on my side.
My employer does contribute $700 (for the $2,700 plan) or $450 (for the $1,350 plan) to an HSA account. I'm assuming I can use those funds for this medication, even if I purchase it from out-of-network (e.g. GoodRx or another online pharmacy). I need to confirm that, though.
There's a possibility that my doctor may recommend a cheaper alternative. But given my lack of problems or side effects with this medication, I'd really rather not switch.
Any advice or tips are greatly appreciated.
Submitted January 15, 2019 at 12:13AM by nickelodon http://bit.ly/2QRbcxz
