I turn 65 in late December and have questions for those of you who know something about Medical Insurance and Drug Coverage.
I live near, but not in San Francisco and am thoroughly confused by my options.
I currently take Gilenya and Ampyra and both manufacturers contribute to my costs - at over $5,000 a month list cost, there is no way I could pay for these out of pocket.
I am currently covered by a good COBRA policy (medical, drugs, dentist, vision) and believe I can stay on it for a year or two at about $650/month with a $2,000 deductible and copays between $25 and $40 per monthly Rx. Because I'm disabled and on SSDI I'm also covered under Parts A and B but paying $101 for the latter/month.
I just went to http://www.planprescriber.com/ where I entered my meds, age, zip code, etc. The only result was Kaiser Permanente .
Although I'm aware a lot of folks like Kaiser, I've heard enough horror stories that I'm dubious. The worst is my slightly younger, employed sister's - she changed jobs and moved from California to Las Vegas where she was hospitalized several days for breathing issues in a non Kaiser facility. As she was in severe distress she was taken by ambulance to the nearest hospital - she now owes them over $100,000 as Kaiser refused to cover the bill.
Right now I'm not even sure what questions to ask.
Suggestions and/or pointers to sites that can help me make sense of this before Nov 30 are greatly appreciated.
I live near, but not in San Francisco and am thoroughly confused by my options.
I currently take Gilenya and Ampyra and both manufacturers contribute to my costs - at over $5,000 a month list cost, there is no way I could pay for these out of pocket.
I am currently covered by a good COBRA policy (medical, drugs, dentist, vision) and believe I can stay on it for a year or two at about $650/month with a $2,000 deductible and copays between $25 and $40 per monthly Rx. Because I'm disabled and on SSDI I'm also covered under Parts A and B but paying $101 for the latter/month.
I just went to http://www.planprescriber.com/ where I entered my meds, age, zip code, etc. The only result was Kaiser Permanente .
Although I'm aware a lot of folks like Kaiser, I've heard enough horror stories that I'm dubious. The worst is my slightly younger, employed sister's - she changed jobs and moved from California to Las Vegas where she was hospitalized several days for breathing issues in a non Kaiser facility. As she was in severe distress she was taken by ambulance to the nearest hospital - she now owes them over $100,000 as Kaiser refused to cover the bill.
Right now I'm not even sure what questions to ask.
Suggestions and/or pointers to sites that can help me make sense of this before Nov 30 are greatly appreciated.
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