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Lost my insurance, was afraid to get my prescription. It was only $18 more for a 3-month supply. WTH was I paying insurance for?! (self.health)

submitted 1 week ago* (last edited 1 week ago) by shalafi to c/health

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Insurance at my last company was so low, I'm not certain what it cost. $50mo. I think? When I started it was $35.

Let's do math. $20 every 3-months for a copay to get the doctor to re-up my prescription, $10 for the pills, $30 total. Add in whatever my employer paid for my part over 3-months, add in the doctor's cash-price difference. You get the idea.

And I probably could have found a way to cut the prescription price in half, or less. Ideas? That company Mark Cuban started? (Looks like it's $8.23/90-days there, haven't dug in on total price.)

Just learned about direct primary care, may jump on that if my new job doesn't cover insurance, or it isn't worth it. Thoughts on that?

Obviously I'm an American. You don't know how sad that made me to type. It's humiliating.

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[–] zoostation 26 points 1 week ago (1 children)

You're doing the wrong math. In a year with no car accidents you get $0 back in benefits for your car insurance costs. In a year with decent health it's the same thing, you may pay more with insurance than without insurance, but you don't have to worry about being wiped out if something really bad happens.