worried about cost of health care

Reba,
Have you checked out Target for prescriptions? They have a long list of medications for $4, it's worth checking out! The list is available online, I believe.

slpmom, I know there were high blood pressure medicines on it as well.

A drug company here in the USA own the drug for 7 years, Then other companies can come in and make the generic less expensive ones. Lot of stores now have come out with discounted generic drugs, walmart, Target, kmart etc etc etc ,but of course its not for all drugs. I know on target and walmart, you can view the available drugs online. In some cases there is nothing 1 can do, and ur forced to pay the big $$$, but on some occasions you can ask your Dr is their a cheaper (generic) alternative drug available. Dr. get seen by Pharm reps all the time pushing their drugs,and get some nice kick backs. I know the pharm reps at hospitals quite often bring in coffee donuts for the staff. So some Dr are not always thinking whats best on your pocket book, and they just prescribe their usual drug of choice and not the cheaper alternative. One can look at their current medication and thanks to the internet, see if their is a generic brand, or better yet, talk to your pharmacist and Dr. New drugs (generic) come available all the time, so one has to periodically keep checking. And one has to talk to the Dr. and say hey,I can't afford these drugs, it is that simple, is there something less expensive??

They have a long list of medications for $4, it's worth checking out!

The main drug cost IIRC is for diabetic supplies, and they are more expensive in the US than anywhere else in the world. The way to save money imo is to buy in bulk from a wholesaler. In the US you can do this because doctors don't seem to care that much about the amount they put on the prescription if you tell them you're trying to save money buying in bulk.

It's much cheaper than buying from CVS, Wal-Mart etc.

-- Sat Mar 28, 2009 5:25 pm --

Recently in the news however, there's been grumblings that insurance companies will no longer be able to discriminate on pre-existing conditions, so who knows.

I'll believe it when I see it, as someone above mentioned, healthcare plans are extremely opaque in the US, millions of different choices and you don't know what you're getting really.

The reason they do it is to hide the costs, I'm sure. At the end of the day I simply decided to pay for everything out of pocket when I lived in the US. It cost me a lot of money, but I'm reasonably convinced it was cheaper than being on some sort of plan. It does depend how good your employer is though.

You guys are awesome - I'm taking in all this good info...the way I figure it, is we will do the best we can and make the best choices we can and if healthcare or life in general sucks in florida we will come back home I guess.....but I would sure miss the palm trees and beaches...

You guys are awesome - I'm taking in all this good info...the way I figure it, is we will do the best we can and make the best choices we can and if healthcare or life in general sucks in florida we will come back home I guess.....but I would sure miss the palm trees and beaches...

If you do go with an employer-offered health plan, I would check into all the details before signing up.
At a company I worked at in Kentucky, we were allowed to enroll only during an 'open enrollment' cycle once a year. There were two plans available and as I was on my own, with no real health issues, went with the lower cost one. Suprise on me! While the higher cost plan allowed you to choose your doctor, the lower cost one came with a booklet of doctors you could go to. And suprise, the list of doctors they sent me weren't taking new patients. I may as well have kept some money aside and went to the walk-in clinic or urgent care and saved myself the premiums.

Time to get acquainted with terminology such as PPO; HMO's, google will fit the bill nicely their. As well one has to find a Dr that is willing to take your insurance. I believe most insurance companies only allow changes under certain conditions, ie marriage, otherwise one has to wait till 'open" season. One has to put in a lot of research into your choosing of a plan, a decision you don't want to make blindly.

None of the prescriptions that my husband or I am taking are currently on the Wal Mart $4 list, already looked! And the nearest Target store is about 30 miles away.

may as well have kept some money aside and went to the walk-in clinic or urgent care and saved myself the premiums.

Not all towns or counties will have walk-in clinics though, so if you're moving somewhere, check beforehand what facilities are available, and to whom. Some "free clinics" will only take you if you're on welfare, if you have a job, too bad, can't see you.

Definitely do your research and be a well-informed consumer when it comes to signing up for a health care plan.

Rats, 30 miles to Target? They do have a 90-day for $10 plan, if that was feasible, Reba, maybe a road trip every three months would work out and still save you money?

None of the prescriptions that my husband or I am taking are currently on the Wal Mart $4 list, already looked!

Like I said, buy in bulk, cottoned on to that one when I lived there. Easier to do nowadays with the web.

Here's an article from the Miami Herald. It's focus is on buying health insurance on your own, but still a good read.

Insurers shun those taking certain meds
BY JOHN DORSCHNER

Trying to buy health insurance on your own and have gallstones? You'll automatically be denied coverage. Rheumatoid arthritis? Automatic denial. Severe acne? Probably denied. Do you take metformin, a popular drug for diabetes? Denied. Use the anti-clotting drug Plavix or Seroquel, prescribed for anti-psychotic or sleep problems? Forget about it.
This confidential information on some insurers' practices is available on the Web -- if you know where to look.

What's more, you can discover that if you lie to an insurer about your medical history and drug use, you will be rejected because data-mining companies sell information to insurers about your health, including detailed usage of prescription drugs.

These issues are moving to the forefront as the Obama administration and Congress gear up for discussions about how to reform the healthcare system so that Americans won't be rejected for insurance.

It's especially timely because growing numbers are looking for individual health insurance after losing their jobs. On top of that, small businesses, which make up the bulk of South Florida's economy, are frequently finding health policies too expensive and are dropping coverage, sending even more people shopping for insurance.

The problem is, material available on the Web shows that people who have specific illnesses or use certain drugs can't buy coverage.

''This is absolutely the standard way of doing business,'' said Santiago Leon, a health insurance broker in Miami. Being denied for preexisting conditions is well known, but when a person sees the usually confidential list of automatic denials for himself, ``that's a eureka moment. That shows you how harsh the system is.''

A 50-year-old Broward County man, with two long-standing medical conditions, saw the harshness for himself when surfing the Web trying to learn why insurers kept denying him coverage. He was shocked to find several insurers' instructions to sales personnel, usually called the Guide to Medical Underwriting and often marked ``confidential and proprietary.''

''I think it's atrocious what's going on,'' he said. ``Basically, they're taking only the healthy so they can get the fattest profits. If you really need insurance, then you can't get it.''

The man, a self-employed consultant, didn't want his name or preexisting conditions identified for fear that the information might frighten away potential employers.

CONFIDENTIAL GUIDE

Insurers don't want to talk about the guides. Sunrise-based Vista , which has its 35-page ''confidential and proprietary'' guide tucked away within its website, refused to make executives available for an interview and instead issued a brief statement:

``The medical underwriting guidelines used by VISTA are based on industry standards, comply with all regulations and are subject to review by the Florida Department of Insurance. VISTA's Guide to Medical Underwriting is an educational tool intended to assist agents and brokers who are selling VISTA individual plans. We do not comment on our specific underwriting processes and practices.''

Sandra Foertsch, who sells individual policies, says the fundamental concern of insurers is clear: ''They don't want to buy a claim,'' meaning that they would start to collect $500 monthly premiums from a person and quickly pay out more than that to doctors and other providers.

Foertsch said she was surprised that any of the guides could be found on the Web. ``I'd guess someone made a mistake.''

The Miami Herald asked several other major Florida insurers -- Aetna, Humana and Blue Cross Blue Shield of Florida -- for copies of their underwriting guides. All refused, saying they contained propriety information and were confidential.

Searching the Web, The Miami Herald found underwriting guidelines for Coventry Health Care, which owns Vista; Wellpoint; Assurant Health; and Blue Cross Blue Shield of Nebraska.

Among the health problems that the guides say should be rejected: diabetes, hepatitis C, multiple sclerosis, schizophrenia, quadriplegia, Parkinson's disease and AIDS/HIV.

Some guides echo Nebraska's warning on the Web that it's ''intended as a reference tool only,'' with final decisions made by managers.

COVERAGE VARIES

Insurers have different criteria. Sleep apnea and fainting for no known cause are reasons for denial for the Nebraska plan, but not for other plans. Vista doesn't want to cover severe acne, but other guides seen don't mention it. Insurers often use measures of body mass index to reject those who are too heavy or too thin.

For cancer, the key is how patients have been doing in remission. Wellpoint, a national insurer, rejects applicants who have had breast or prostate cancer within the past five years. With other types of cancer, 10 years must have passed. Assurant Health, based in Milwaukee, rejects most patients whose cancer has not been in remission for at least eight years.

Other reasons for automatic denial by various companies: alcohol-related problems of people who have not been abstinent for at least six years, chronic bronchitis, severe migraines, and a cardiac pacemaker installed within the last two years.

Some insurers will automatically reject applicants who are using certain prescription drugs. Wellpoint denies anyone who within the past year has taken Abilify and Zyprexa for mental disorders as well as Neupogen, which is used to treat the side effects of chemotherapy. Vista lists the anticoagulant Warfarin and the pain medication Oxycontin. Both companies list insulin.

The medications, of course, are indications of specific health problems. To make sure that applicants are not lying, insurers hire a data-gathering service -- Medical Information Bureau, Milliman's Intelliscript or Ingenix Medpoint.

Intelliscript and Medpoint do computerized searches of a person's drug use, gleaned from pharmacy benefits managers and other databases. The two companies say they comply with privacy laws. ''Ingenix requires each Medpoint client to obtain the authorization of the individual applicant or insured person,'' said Ingenix spokeswoman Karin Olson.

Last year, the Federal Trade Commission accused both companies of violating the Fair Credit Reporting Act by not offering to provide consumers with information about them. The companies agreed to settlements in which they promised to let people see their personal information.

http://www.miamiherald.com/living/health/costs/v-fullstory/story/973158.html