Background: 25 years old. Have had schizophrenia since 2013. Got on Latuda, a very powerful medicine, in 2013, and have maintained a normal life since then because of it. I have completed my education in college, got a degree, have a job in public accounting as a tax accountant, and have been in a very successful relationship with my SO for 1.5 years, among simpler things like being able to function at a basic level and higher.
Me and my parents decided to have me use the firm's healthcare since I will be 26 in July. It sounded great: The price for insurance will be paid by the firm, with a few extra bucks for dental and vision. The insurance is Independence Personal Choice. One plan was available: A high deductible plan. It looks like my deductible is $3000. I'm not well versed in insurance terminology. Does that mean once I pay $3000 worth of copays they will cover a lot of the cost? I feel like a fool for being so ignorant on the matter.
I got a call from CVS and they left a message claiming my prior authorization was confirmed, however, I have an "astronomically high" copay for my medication, even with the copay savings card distributed by the company that produces Latuda. I thought it would be something like $200 - I've had to pay that for it at one point before, and the cashiers always seemed shocked at the price. When they said $1900 I was floored, and really still am. I haven't gotten on the phone with necessary parties yet: the Psychiatrist and the insurance, because it is 11PM on a Friday and I have to work tomorrow. My question for the insurance is whether or not I would have to pay every month if I chose to do so, or if there is some way we can work out the price. My question for the psychiatrist is, if this dollar amount is solidified across the whole year, what are my options? Am I asking the correct questions?
I'd be willing to pay a lot for this medication because it is my shining salvation in life, but not nearly 50% of my monthly earnings. I'm saving up for a home and paying off what student loans I have while I live at home. Even if it maxed out at $3000, that's a good deal of my income. Switching meds isn't something I have done more than once, but I know it isn't very fun, and that's putting it jokingly mild.
Has anyone here ever dealt with this? I'm sorry the post is rushed. I'm freaking out and can't sleep nor can I really focus on anything else but finding relief on this issue.
Submitted February 22, 2019 at 11:30PM by Bum_In_The_Park https://ift.tt/2T8YCPj
