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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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[–] wreckedcarzz 3 points 1 week ago* (last edited 1 week ago)

I had a hemorrhaging stroke a decade ago. Wasn't expected to make it through the night. Spent a few days in the icu, a couple weeks total in the hospital. 3 weeks as an in-patient at another facility for physical, occupational, and speech therapy. 10 years later and I'm still hobbling with a cane, partially blind, cognitive struggles. When I switched from in to out patient, I was only able to go for a couple months before there was insurance woes. My father had us on a plan with public safety, and yearly costs were $36k afaik. Which is absolutely, completely and without question, fucking horse shit. But the upside? The hospital bill alone - not counting any therapy - was over a million. From my understanding, we paid essentially nothing.

Fucking insurance, what the shit.