Here are all the articles I wrote during March, 2016. I hope they're useful to you.

March 25th, 2016

PART FIVE: The Insurance Mom’s Guide to Better Living Through (Cheaper) Chemistry

Here’s PART FIVE in our series we call . . .

“The Insurance Mom’s Guide to Better Living

Through (Cheaper) Chemistry”

 

If you’re just joining us, check out the hyperlinks to PART ONE, PART TWO, PART THREE, and PART FOUR.  Pretty smart, huh?

 

Here’s the final part to our series;  it’s part tip / part FYI.  President Obama is finally suggesting that drug companies have to justify their ridiculously high prices.

 

But Mom, why does this matter to me?  Well, sweetie, it matters to ALL of us!

 

In PART ONE, we mentioned an article from Consumer Reports about drug costs in other countries.  The article asserts that USA residents pay significantly more for Rx than most other countries.  The Insurance Mom suggests you compare & contrast at The Canadian Drugstore and Pharmacy Checker.  We included the comparison chart from the article here:

 

drugschart

 

Who knows how this will all work out, but the focus could be shifting.  Here’s an article from the LA Times which goes more into depth.

 

To wrap it up . . . 

PART ONE: EDUCATE YOURSELF!

PART TWO : FIGHT FOR YOUR RIGHTS TO AFFORDABLE MEDS!

PART THREE: WORK THE PHARMACY!

PART FOUR: WORK THE INTERNET!

 

Above all, be the master of YOUR money.…

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March 18th, 2016

PART FOUR: The Insurance Mom’s Guide to Better Living Through (Cheaper) Chemistry

Here’s PART FOUR in our series we call . . .

“The Insurance Mom’s Guide to Better Living

Through (Cheaper) Chemistry”

 

Aren’t you loving our series on prescription drugs?

 

By now, I hope you’re feeling empowered and smart.  (Because you are!)  If you’re just now joining us, click these links to our previous posts for PART ONE, PART TWO, and PART THREE to get caught up.  This series walks through money saving tips from the moment the doctor writes the script to the moment you pick it up at the pharmacy.

 

Now that we all have our Prescription Decoder Rings, here’s the next tip!

 

PART FOUR: WORK THE INTERNET!

 

Research It!  Use GoodRX.com to find the cheapest place to buy drugs in your ‘hood.  Try HealthWarehouse.com for cheaper prices.  Yes, sometimes drugs are cheaper at different pharmacies even within the same zip code.

 

Clip Coupons!  Sometimes using your insurance is a more expensive option.  Look online for coupons – they’re everywhere!

 

Discount Program It!  Sometimes using a discount program is cheaper than going through insurance.  Watertree Health has one and so does GoodRx (click the hyperlinks.)  Ask your pharmacist to help you compare the cost thru insurance vs. discount program.…

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March 11th, 2016

PART THREE: The Insurance Mom’s Guide to Better Living Through (Cheaper) Chemistry

Here’s PART THREE in our series we call . . .

“The Insurance Mom’s Guide to Better Living

Through (Cheaper) Chemistry”

We learned the importance of knowing your plan in PART ONE.  We learned how to advocate with your doctor for cheaper prices in PART TWO.  This week, we’re focusing on how your pharmacist can help!

 

PART THREE: WORK THE PHARMACY!

 

Wheel & Deal!  Ask for a discount at the pharmacy.   Mention that you found the drug cheaper somewhere else (or online), and see what they say.

 

Buy In Bulk!   Pay a cheaper copay by getting a 90 day supply when you use the mail order option (aka Home Delivery).  Genius!

 

Skip Chains!  Big chain pharmacies tend to charge more.  Go to your local mom-and-pop pharmacy.  Check out this cool chart from Consumer Reports which shows the difference in price.

CR_Magazine_Page15_Medicine_PriceChart-11-15

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March 4th, 2016

PART TWO: The Insurance Mom’s Guide to Better Living Through (Cheaper) Chemistry

Here’s PART TWO in our series we call . . .

“The Insurance Mom’s Guide to Better Living

Through (Cheaper) Chemistry”

 

You’ve followed PART ONE and you understand how your plan works and the formulary (aka list of drugs your insurance company covers.)  Now what if your drug isn’t in the formulary??

 

I get lots of calls from people complaining their drugs were in the formulary and now they’re not.   Drugs get dropped from formularies all the time.  Check out this article on the 50+ drugs dropped from insurance in 2016.

 

Get mad, punch a pillow,  and then use some of the following suggestions to get your plan to work for you.  If you’re lost or need advice, call The Insurance Mom for a hug, a chicken soup recipe, and some morale-boosting information!

 

PART TWO: FIGHT FOR YOUR RIGHTS TO AFFORDABLE MEDS!

Advocate!  If your drug is dropped from the formulary, ask your doctor if there are other Rx alternatives.   And then check with your insurance company to see if they’re in the formulary.

 

Get Squeaky!  If your doc says, “nope, sorry, you need THIS exact drug,” tell the doctor’s office to call your insurance company to get a Prior Authorization.   It’s time to be a squeaky wheel!

 

Squeak Some More! If the Prior Authorization doesn’t work, ask the doctor’s office to help you file an Expedited Appeal.  Remember to tell the doctor when you ask for the Prior Authorization that this second step may be next.  The doctor should be able to file the Expedited Appeal during the same phone call to your insurance company.  Save time by telling them upfront!   And hurry up and wait . . . this process can take a while.  Click this hyperlink for more tips on filing …

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