this post was submitted on 02 Feb 2025
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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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[–] [email protected] 11 points 1 week ago (1 children)

Your insurance is covering more than a single prescription. It also covers that doctors visit but more importantly it covers the unexpected cost.

Also, the math is wrong because your employer is also paying a percentage of the insurance premium. Your actual cost of coverage is much higher.

[–] Benaaasaaas 2 points 1 week ago (1 children)

Unless you're taken to "out of network" hospital while unconscious with multiple broken bones, then pay up https://youtu.be/WO5UlAyBWx0

[–] [email protected] 2 points 1 week ago

The Affordable Care Act / Obamacare has protections -- your video is about after the immediate emergency had occurred and how the medical industry complex takes advantage of patient's inexperience around dealing with the industry.