Gripe alert, gripe alert, gripe alert…read at your own risk…
Well, tonight and tomorrow we are in the grips of the Polar Vortex. Those of you in the upper states and Canada are dealing with some temperatures that seriously are scary to even contemplate. New records are being set tonight and tomorrow. Not good records to set but nevertheless they are new records.
As a lupus patient, times like these are when I typically hunker down at home and do not go out for any reason. My body is already feeling the pain from the barometer dropping and the temperature dropping. My joints are giving me such grief. I hurt. All over.
I am using my new supplements regime, but I am adding a new player in the mix because of all this crazy cold weather. I am back to taking my lemon balm tincture. I am hoping this will help me deal with all these pains. It will help me sleep so that is what I actually need. I have been having insomnia lately.
Why you ask? Well, let me explain. Our health insurance (a medicare plan) has decided that we now have a deductible factored in on January 1, 2019. We were not told of this. I asked around, and the doctors and pharmacists said the same thing, apparently this is another of the Obama doesn’t care plan phasing in. Last January it stopped paying for several of my pills. This year, we have a deductible when we had none before. I am only on one rx, thank goodness, but husband cannot be without his medication. EVER. So, I went to get his pills at the beginning of the month. Imagine my surprise when I was told that two of his pills, which on December 31, 2018 cost us $3.50 each, now cost us $200.00 for both. Oh, and lest we forget, his other pills were $50, $20, $20, $20 and $25. This is not including some he is not going to be taking anymore because he can take a supplement for it instead. Oh, and they raised our premium too, so they are now taking out twice the amount for our premiums and not paying for pills until we meet the $5,100 deductible. Yep, they sure did. One more thing, they also said our local pharmacy is not in the network now so we have to drive 40 minutes to another town to get our meds now too.
We have been scrambling trying to figure our what to do. One of his doctors saw us and said she can give him samples so he has one med for sure but really, there is nothing we can do about the others. We make too much money (we are $10 over the limit on one agency to help us and $300 over another) to get any help of any kind. We cannot afford his pills and eat.
My husband has seizures, he is bipolar, and has some schizophrenic issues when unmedicated. Without meds, he will end up in an institution. Seriously. This is not a good scenario.
What did we do? We changed insurance companies beginning February. This insurance is cheaper and covers us like the old one used to do. We can see our same doctors and the premium is way cheaper, plus we have much better prescription costs.
You see, living in rural Kentucky, our county only offers PPO plans versus HMO. I was already paying out one third of my gross income for my insurance before this happened. In our county, there are only 3 medicare plans available because it is rural. So, we had to pick between the two remaining plans at our disposal. I hope we did good. Time will tell but I have been a mess worrying about all this stuff. Sadly, if we moved a few miles to the next county, we could have better plans available that cost much less. How sad is that?
Have any of you been hit with new “changes” too? We had to borrow money to get his pills this month so I am hoping next month is much better for us. Anyway, be sure to check your own policies and make sure of what you get. Since we like to eat, we decided to change things. I sincerely hope this will help us. If not, I do not know what we will do. It all just sucks, you know? It feels like they want sick folks to give up and just die already. If you have to choose, which do you go with? Eating or pills?