Showing posts with label deductibles. Show all posts
Showing posts with label deductibles. Show all posts

Friday, June 25, 2010

Success

It might seem that I'm obsessed with my medication, as this is another post about it. It isn't an obsession, exactly, it is mainly fueled by frustration. When I was suffering from depression about ten years ago I was first prescribed Prozac. I quickly discovered that the side effects were more than I was willing to endure. My doctor switched me to Welbutrin and it worked really well for me. At the time my insurance covered name brand prescriptions with a $40 co-pay after I met the $150 deductible. Generics were cheaper. Fast forward a few years and to a different insurance plan.

I signed up for my current insurance about five years ago. At the time they covered mental health but they only covered generic prescriptions. I have a huge deductible for name brand medications, so I just don't take them. After a year on my new insurance they decided to drop the mental health coverage, including prescriptions. Since then I've been surviving by using SAM-e and willpower until this latest depression. I did a lot of research and couldn't find any prescription drug program that included the generic for Welbutrin, until Walgreens started theirs. At first I thought I was limited to the dosage listed on their plan, but recently I discovered that they'd cover higher dosages at a slightly higher cost. So I'm now taking four 75 mg tablets a day for $24.00 for a 90 day supply! This is wonderful! The price for the 300 mg extended release is over $100 so I'm getting quite a deal.

The irony here that I've experienced many times is that in order to get help for mental health issues you have to be mentally healthy enough to pursue all of your options. No one seems to get that when you are depressed just getting out of bed is a challenge, talking to anyone about your issues is a major challenge and trying to do anything out of the ordinary is an insurmountable challenge. All of those people who feel that their insurance is just fine and any government plan would be a burden should thank their lucky stars that they have good insurance or have never been sick.