#my new health insurance will not cover my medication at the dosage it's prescribed at

[wyn-n-tonic]

imagine if we had socialized medicine in this country and nobody had to pay the equivalent of rent on a luxury apartment to stay alive month by month in addition to paying rent on their little shoebox apartment room. lmaoooooo. imagine.

[stepfordgoth]

It's like my health insurance wants me to suffer because I have ADD and a high metabolism.

Adderall XR is supposed to last up to 12 hours. For me (apparently because of my high metabolism) it lasts about 4 hours. In 2018 I was prescribed 25 mg Adderall twice a day. I'd take the first dose in the morning and the second when I feel the early afternoon crash telling me the first dose was wearing off. That worked fine for three whole years, and then this year I got a new insurance and they said "absolutely not" to the twice a day dose in January.

Since then my doctor and I have tried to be flexible and seek new options. All of them have been shot down by my insurance company. They won't cover 2 IR/day. They won't cover 1 XR and 1 IR/day. And I kinda get it, on paper that looks like an excessive amount of stimulants - but that's assuming that the XRs actually last 12 hours, which again, for me they don't.

We tried bumping my XR dosage up to 30mg, and my insurance is fine with that, but I'm still getting the shitty crash 4 hours after my dose so it really hasn't solved my problem. The dosage cant be increased any higher either, 30mg is the maximum. So my doctor and I decided to try a different medication altogether: mydayis is supposed to last much longer than Adderall and remove the afternoon crash completely. She sent the prescription in last week and guess what.

Go ahead and guess.

My insurance said

Like what the fuck am I supposed to do?

[thefeistydragon]

So this is fun.

Just had a hell appointment trying to get a refill for and getting denied a medication that isn't even a controlled substance.

The doctor I saw at the low cost clinic I go to left, and the new one they got has decided to not do refills on one of the medications my rheumatologist prescribes for controlling my Lupus flare ups.

Because it's, you know, an underfunded clinic in a state that despises poor and disabled people, I can't actually get rheumatology appointments often enough, and if I miss one for any reason (like just happened) I can easily run out of the medication literally keeping me alive.

For years now, the main doctor I see has given refills on that prescription during the in between times when I need it. Now the new one has decided I've "been on it too long" and think it's at risk of "masking the symptoms" of my disease.....(I mean yeah? Keeping the inflammation in my body down so my organs don't fail is kind of the point). Anyway, he has an issue with the specific medicine that's been working for me, and he isn't comfortable doing refills.

He also is a raging asshole that accused me unprompted of thinking "everything was fine" with my condition because I mentioned my day to day symptoms are manageable on the medication, harped on about how other medications are more effective (they either haven't worked for me or are astronomically unaffordable. Like thousands a month unaffordable), and went on a tirade about how if he did the refill I'd "blame him and my other doctors when something went wrong".

All of this means I'm now at risk of suddenly running out of a medicine that could kill me if it's stopped suddenly, that my body is at risk of destroying itself without. With no time to safely reduce the dosage before I run out, and with nothing but being in agony 24/7 waiting even if I could.

Unless I can come up with money out of pocket to see a different rheumatologist than the clinic one before my next rheumatology appointment. And get lucky enough to find one willing to do the refill which I'm not confident about after this experience.

Fun thing, I'm currently looking for work. As in I don't have income or insurance right now.

Best case is my health doesn't absolutely tank, I get hired quick, and cobble together enough money to try and see a different rheumatologist sooner. I've found one that's accepting new patients that I could afford once a paycheck comes in.

But I'm on a short clock here, and the odds of getting paid in time to not have a health crisis put me in the hospital is ticking down fast.

I honestly don't know what to do short of starting a GoFundMe or something to cover the cost of the consultation and whatever labs the new doctor will require before prescribing. Because there's no way I can last until May without medication.

So yeah, fuck doctors who dick over patients by suddenly changing their treatment plan with no warning in a way that screws them over.

Worst part is he acknowledged that if I suddenly stopped the medicine it could seriously harm me, and wouldn't cover enough of a refill for me to reduce the dose safely so I'd be "motivated to get proper care".

My old doctor wasn't perfect, but she at least somewhat understood the reality of working in a low income clinic.

Anyway,

If I'm weird on here or just, disappear, y'all know why now. And if I end up making a donation post I hope y'all will be patient with it/me. I don't want to have to but this might get really bad.

[my-add-chronicles]

I took a chunk of time off medication (some months?) because I got paranoid that it wasn’t really working (‘maybe my health just sucks’), and the experiment was justified by the fact that I switched jobs and didn’t have health insurance for a few months and needed to get a new doctor covered by my new health insurance and therefore transfer who would be prescribing my ADD meds.

According to my cohabitator, my depression and fatigue and general low-morale was much worse than normal. I tend to be focused on the problems (as a bad habit), so sometimes the difference between ‘pretty bad’ and ‘really really bad’ gets muddied because I’m not prone to intense bad stuff, more like rotting slowly. But apparently it was a lot more very bad.

I definitely do notice a difference, being a chunk of months back on it now. Just day to day ability to find any flow doing any tasks at all increases. The window of having any brain energy gets wider and more reliable.

I take XR (extended release), Adderall has treated me fine from what I can tell. I discussed trying to find meds that were the best fit for me, because I heard some people do some trial and error, but since it was a new doctor she wanted me to go back on a med I had experience with, gradually, before making any major changes.

15 mg wasn’t enough, I pensively had a phone appointment with my doctor and increased it to 20 mg. If I remember, I used to be on 25mg in the past. I don’t strongly know if that was too low or about right. I’ve been sitting at this dosage a month or two now because it seems to be ok enough and so I haven’t bothered broaching it further since the stress of quarantine life.

It’s really awkward trying to navigate dosage, because I had to take a drug test before getting the prescription initiated by the new doctor- and just knowing that neurotypical people get addicted to the stuff changes the vibe of navigating it. It makes me feel so uncomfortable trying to know how to find my ideal dosage, because how do you explain to a doctor why you think you might need a higher dosage but have no context to which dosage is too much? And not having the personal context to know how to ‘measure’ progress or know what -more- a higher dosage can do for me because I’ve never been neurotypical so I don’t have context for what neurotypical attention spans look like?

I may have to make a call or appointment to get authorization for my refill soon so it’s on my mind.

[yeschaoticsheepstarlightposts]

15 Things You Should Never Do at the Doctor's Office

Think of your happiest relationships, and there is an honest chance all requires open communication, honesty, and trust. That goes for you and your doctor, too. Lie out of embarrassment, and she or he can't treat you. Show up unshowered to a doctor visit, and she or he won't want to. Ghost her too repeatedly, and a break-up is inevitable.

Be a far better partner and you will recover healthcare.

To uncover what to do—and what to not do—at the doctor's office, Eat This, Not That! Health talked to the country's top docs to seek out the #1 things medical professionals say you ought to avoid at a doctor visit. Read on. Your life depends thereon.

1 Never Be a Passive Listener Nurse Showing Patient Test Results On Digital Tablet Shutterstock Becoming a lively listener, not a passive one, is the No. 1 thanks to being a far better patient, say doctors Mikkael Sekeres and Timothy Gilligan of the Cleveland Clinic. They revealed within the NY Times that too many of their patients nod mechanically at what they're saying, without fully understanding the knowledge being relayed.

The Rx: Asking questions, requesting that the doctor repeat something, taking notes or bringing along a loved one who can do any of the above can assist you to become a life partner in your care.

2 Never Show Up With a Self-Diagnosis and Tell Your Doctor What to try to the patient is angry on doctor due to medical error Shutterstock There's a fine line between a lively listener and being a know-it-all. Consult Google to self-educate, not self-diagnose, says Suzanne Koven, a medical care internist at Massachusetts General Hospital. "I have enormous respect for patients' autonomy and understanding of their bodies, and to some extent, doctors are working with patients during a collaboration," she told Scientific American. "But to pretend that both parties are bringing the identical degree of data to the table is disingenuous. Once during a while, somebody will are available determined that they have an MRI to rule out such and such or this drug to treat such and such, and I'll need to say, 'Whoa, slow down, let's mention you and your symptoms.'"

The Rx: Do your research. Ask questions on anything you do not understand. But leave the diagnosis to your doctor.

3 Never Lie female holding fingers crossed behind her back Shutterstock According to a survey conducted by ZocDoc, almost one-quarter of individuals mislead their doctors. (Women were slightly more likely to love, at 30%, compared to 23% of men.) Embarrassment and fear of being judged were the foremost common reasons given. Stop it right now! "Sugar-coating bad habits or nagging symptoms doesn't help," advises David Longworth, MD, of the Cleveland Clinic. "Your doctors are confidential partners in your care. they have all the knowledge available to assist you to create smart decisions. that has everything from your habits to each medication you're taking, including over-the-counter drugs, herbal products, vitamins, and supplements. If you are not consistently taking medication, ask your doctor about why — including if you cannot afford them."

The Rx: Always be candid. Anything less may be a waste of your time. Leave embarrassment and shame behind. Your doctor is there to enhance your health, not nag you.

4 Never Leave Things Out Man writing at the desk Shutterstock According to the ZocDoc survey, 64 percent of seniors said they've avoided mentioning health issues with their doctor because they didn't think the matter was that serious or worth discussing. None folks want to perform a hypochondriac's soliloquy at the doctor's office, but it isn't the time for false modesty either.

The Rx: If you think that you would possibly get tongue-tied within the moment, write down your symptoms or things you want to debate together with your doctor before your visit.

5 Never Be Late Asian businesswoman watching the watch time worried and scared of getting late to the meeting Shutterstock Remember the last time you sat during a lounge, doing what space was for, for an hour? That's likely because people before you were late for his or her appointments, backing up the entire queue. Reinforcing this little bit of sense may be a doctor who posted on Reddit: "Every outpatient office has time put aside for sick visits, and time blocked off for pre-scheduled visits," wrote _PyramidHead_. "People will often call in when the office opens and invite a sick visit to deal with their pharyngitis, whatever. More times than I can count, the person will say, 'I can't are available until 4:30,' usually the last slot of the day. Which is ok, but once they then don't show up, I'm annoyed. Especially if the last pre-scheduled visit was as 3:15, and that I waited around for an hour — only to possess someone not shows up."

The Rx: Keep your appointments and get on time. Or call to let the doctor's office know what is going on on.

6 Never Be a Jerk to the office Aggressive man yelling at the nurse in the clinic Shutterstock Don't make a scene at the front desk about wait times or rant a few charges mandated by your insurance. "Complaining to the front office about your copay is pointless; they need no control over that," wrote Redditor _PyramidHead_.

The Rx: Be proactive: Call ahead to ascertain if the office is running behind if you would like to, stay informed about insurance features like your deductible, and skim #8 on this list.

7 Never Show Up Unshowered man is taking shower in the bathroom Shutterstock This one's sense (and common courtesy). Unfortunately, judging from postings by medical staff on social media, it's an all-too-common occurrence. Remember when mom asked if you were wearing clean underwear, just in case you were during an accident and ended up in a doctor's care? Mom was right.

The Rx: you do not need to prep like it is a date, but be clean.

8 Not Know What Your Insurance Covers Older patient at woman doctor office paying exam with MasterCard Shutterstock It's near rock bottom of the list of last things any folks want to do: Spend time on the phone with the insurance company. But if you're having a procedure, need medical devices, or are prescribed new medication, it's better to call ahead and sign up than be caught with a bill — and need to spend longer on the phone — after the very fact. If you would like a colonoscopy, the procedure could be covered, but not a specific facility or anesthesiologist.

The Rx: Call ahead to see. If you've got concerns, tell your doctor.

9 Not Know What Medications You're On female physician prescribing pills to an older black male patient Shutterstock This is a frequent complaint voiced by doctors and other medical professionals. If you're seeing a replacement doctor who won't have access to your records, he or she won't mind in the least if you bring along a cheat sheet together with your meds listed. It could prevent drug interactions and large problems down the road.

The Rx: jot your medications and dosages and convey the knowledge along to your doctor visit, or keep it on your phone.

10 Never Ignore Medication Instructions woman takes medicine capsules Shutterstock Always take medication as prescribed. Failure to try to do so is one of the highest complaints medical professionals voice on social media. On Reddit, a doctor going by the nickname AstralResolve explained their frustration with a standard scenario: "' I stopped taking the antibiotics cause I began to feel better. Now I'm sick again and therefore the antibiotics aren't as effective.' Every freaking time. We instruct you disregard, bugs get stronger and more resistant."

Redditor walrustude, a doctor, said noncompliance supported online research was his top gripe: "Straight up refusal to follow medical advice or to comply with taking one pill each day known to dramatically improve symptoms, all because this mommy blog said the simplest thing is apple vinegar or because WebMD suggested cold showers." Your doctor doesn't mind questions supported your research; just don't present them with something you read online as the incontrovertible fact that applies to your particular case.

The Rx: Follow prescription instructions to the letter, and voice any concerns to your doctor.

11 Never Conceal that you've got Stopped Taking Your Medication hand-throwing pills away Shutterstock This is another frequent occurrence, medical professionals say. "People stop taking medications all the time, actually because they feel better or can't afford the value. it is a chronic situation, especially as Americans grow old," writes aging expert Barbara Hannah Grufferman on HuffPost. Remember #3 and #4 on this list — a doctor's visit may be time for total honesty. Anything less is counterproductive.

The Rx: Tell your doctor everything. If finances are a problem, be blunt. (Your doctor or office could also be ready to help with co-pay cards or other solutions.)

12 Never Get Too Many Second Opinions female physician checking male patients vital sign at clinic Shutterstock A second opinion is great. A fifth, not such a lot. "I'm an enormous fan of second opinions," Orly Avitzur, MD, wrote in Consumer Reports. "I encourage my very own patients to hunt them out when faced with a difficult diagnosis or decision, and I have provided them also. But there is a limit. A recent patient was par­alyzed by indecision after seeking several medical opinions (I was number seven), all with slightly different recommendations. Medicine frequently involves judgment calls, and sooner or later you will have to trust one among them."

The Rx: Know when to mention when. More information isn't better.

13 Never Bring Relatives Along Who Take Over the Conversation Couple Attending IVF Consultation Shutterstock "While I do not yet bring anyone into my doctor's appointments, I do accompany both my mother and mother-in-law to theirs," says Grufferman. "They are 75 and 83, respectively, and the second set of ears and eyes is usually an honest thing, especially when the doctor is discussing procedures, medicine, and follow-up recommendations. during this case, I think physicians welcome my presence, as long as I do not completely take over. I always take notes and ask the doctor to repeat or review something if I do not understand."

The Rx: Ask well-meaning relatives who come along to your doctor visit to try to more listening than talking.

14 Never Be a No-Show Missed call phone from someone via mobile smartphone while Asian man sleeping on the bed in the late morning Shutterstock "Not only isn't exposure once we were expecting you (and once we have called, texted, emailed, and sometimes all three to remind you that you simply have an appointment) rude and entitled, it also tells me that my time invaluable, which somehow you think that you probably did not need to keep what essentially was a contract that you simply made with me once you made the appointment," writes California physician Rebecca Levy-Gantt during a piece on Medium titled "How to be an honest Patient".

The Rx: If you cannot make your appointment, always let the doctor's office know.

15 Never Ask Your Doctor to Lie A medical doctor making a negative sign for medicine by his finger. Doctor showing forbidden sign Shutterstock This is an enormous no-no. "Sometimes patients will inquire from me to travel back and 'code the visit differently,'" says Levy-Gantt. "I won't change the test codes or the visit codes to accommodate someone, since doing so is a fraud and not an appropriate or legal thing on behalf of me to try to to. Sorry. I will, however, attend bat for a patient (and I have) if I feel a patient needs a specific test done, and therefore the insurance firm denies it."

The Rx: Don't ask your doctor to cheat the system. It's unethical, and do not you would like a physician who's honest in the least times?

[surrexi]

story time: one of my daily medications is called verapamil. like a lot of medications, it can be prescribed for multiple purposes and at multiple doses. i've been taking it for several years as 100 mg capsules (1/day) for migraine prevention. it's always been on the expensive side, but in 2022 i switched to a different insurance provider and the cost skyrocketed to being over $100/month. i brought it up with my doctor during my annual physical last month and she was like "that's fucking ridiculous" and grabs her laptop and clicks around a bit. turns out that my insurance company just... doesn't cover that dosage of verapamil for migraine prevention. they will cover 120 mg tablets 1/day for that use, though, so when i run out of my current supply of the 100 mg capsules my doctor will send a new prescription for the tablets because she doesn't think the extra 20 mg per day will hurt me and it's worth going from "not covered and thus super expensive" to (we think) "totally covered, lowest copay."

the thing is, the insurance company didn't give the pharmacy any information about why the cost for the original dosage was so high (more than one member of the staff appeared confused by it, in fact, as verapamil is not a new or uncommon medication) and neither did they even bother to attempt to contact my doctor about it. the only reason i am going to be able to switch to a more affordable option is because my pharmacy is staffed by people who care enough to say "hey there's something not right about this pricing, you should talk to your doctor about it" and my doctor is a goddamn superhero who i can come to with a list of issues/questions and know that she will go through each and every one with me and give each one the full attention it deserves. (there's a reason why i still go to her even though when i started grad school i moved three hours away from where she's located, lol.)

meanwhile, i take several medications to help manage a number of chronic issues (migraines, chronic non-migraine headaches, depression, anxiety), so part of the calculus here is thinking about how changing the dosage of the verapamil might affect the other meds in addition to how it might affect me. luckily in this case it's a small enough change (for this medication) that it didn't worry my doctor to make that call. now, knowing my doctor, i know that if she had felt she couldn't change the dosage or change the medication, she would have gone to bat for me with the insurance company, but there's no guarantee she would have been successful in getting them to make an exception. they wouldn't have taken into account anything else about me, just their rules about when and how they are willing to accept a doctor prescribing a medication for a slightly off-label but generally accepted reason (verapamil is officially a blood pressure medication but even just a cursory regular google search indicates to me that there is a decent amount of research showing it can be an effective preventative treatment for migraine/cluster headaches).

because here's the thing: american insurance companies don't care about the quality of care that their customers receive. they only care about the profits of the insurance company. so they make decisions about what medications can be prescribed for what conditions and be covered based on statistical analyses of the profitability or lack thereof of doing so, plus what they can get away with. that's why when drug manufacturers decide to raise the cost of their drugs, health insurance companies will just shrug and pass the cost on to consumers.

another example: my dad was in the military for 30 years and only just turned 65 this past year, therefore aging out of the military retiree healthcare system and onto medicare (mostly, idk, his prescriptions are still free through the military system). so now for the first time in decades my parents are seeing benefit statements whenever they receive care that explicitly lay out (1) what the provider charged for a given service, (2) what medicare actually paid, and (3) the cost that no one pays because they don't have to and medicare won't. my dad had to get outpatient eye surgery for cataracts in both his eyes, which involved a set of multiple appointments over the course of months during which first one eye and then the other was treated, plus after that he had to get a totally new glasses prescription. every time he gets a statement of benefits that covers some aspect of that process, the difference between what the provider charges and what medicare covers (aka what medicare deems the fair cost) is thousands of dollars. which he doesn't have to pay for whatever reason (i think but would definitely not swear to it that the provider just has to write it off because medicare but someone who knows how insurance works can correct me in the inevitable case that i'm wrong). but the average person on average insurance? would be responsible for covering the difference, which again is between what the government has deemed a fair cost and what the provider is charging above that fair cost. which is, uh, profoundly unfair.

medicare is not even close to a perfect system. if the US does move to a nationalized health service, medicare for all is, like, the first step. but it would give us something to build on, something that isn't first and foremost a capitalist profit venture that incidentally involves people's healthcare.

[narichoe-blog]

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[myonlybasket]

Background.

The beginning.  How’d we get here?

Really, the beginning was 2012, when I started taking medication.  Or maybe 2011, when I started therapy and got Baby’s First Diagnosis.  Or maybe one of the other hundred mile markers on the way from being an anxious child to being an adult with treatment-resistant recurring major depressive disorder (comorbid with generalized anxiety disorder and panic disorder).

When I was a kid, I didn’t know why I got really, really sad sometimes.  I didn’t understand why everything was scary.  I didn’t know that the amount of time I spent catastrophizing and thinking about death was abnormal.  I just knew how I felt.

I don’t remember learning about anxiety and depression.  I remember understanding that a loved one started taking medication after a slew of terrible deaths occurred in their life.  I was around 7, I think.  I’d seen commercials for the medication.  I don’t remember learning about feelings in guidance classes in elementary school.  I don’t remember anxiety or depression being discussed in middle school health class (though I do remember finding schizophrenia in the glossary and thinking it was funny).  It definitely wasn’t covered in 9th grade health class.  There were anti-bullying and anti-drug assemblies in high school, but I don’t remember anti-suicide assemblies or mental wellness assemblies or even social emotional learning.

To be fair, anxiety and depression have robbed me of many memories.  There are photos of me at events in high school that I cannot conjure any memory of.  My high school graduation is an absolute blank spot.  I remember being sweaty.  If not for the photos, I wouldn’t remember a thing.

I don’t remember when I was able to label my experience.  It wasn’t a moment of realization, but a slow dawning that this condition I’d heard of matched what I was going through.  It was increased access to the internet and the world and realizing that how I felt and behaved wasn’t how everyone felt and behaved.  When I could finally admit that I needed help, I knew a medical professional who could help--my mom.

I don’t remember asking my mom to ask our primary care physician to recommend a counselor, but I know that I did.  He recommended an older woman, who put her glasses on to write and took them off to look at me and talk to me, who had hair like Farrah Fawcett; I liked her, and I can still remember what her office smelled like.

Therapy didn’t help the depression much, especially once I went to college, where my social skills were lacking and my social energy was missing entirely, and my dad was diagnosed with brain cancer.  So when I realized that therapy wasn’t going to cut it, I told mom and she went with me to the doctor.

I remember hoping the meds would work, but then two months later when nothing had really changed, I’d call my doc again to get my dosage adjusted or the meds changed.  Every two months for so long, but there were a lot of dosages and a lot of classes of drug to try.  Sometimes it was longer than two months, because I had gotten my hopes up and it took a little longer to admit I wasn’t improving; sometimes it was shorter, because the side effects were unbearable and/or dangerous.

Zoloft. Effexor XR. Abilify. Pristiq ER. Clonidine. Trazodone. Prozac. Wellbutrin XL. klonopin.  Each of these was titrated up or down to try to find a sweet spot.  When I felt the meds weren’t working, I talked to my doctor.  The first psychiatrist I went to (recommended by my insurance) told me that giving up caffeine would solve my problems; I was a college kid and that wasn’t going to happen.  The second psychiatrist I went to (recommended by a friend) for four months before my insurance informed us they were not in-network and saddled us with a huge bill.  The third psychiatrist I saw (I found them on my insurance’s website) was helpful; they were the second tier of my copay so it was about $130 per appointment and I stopped going for a while and my PCP took over.  Then about a year ago, I got on my own insurance and started going back to the third place, where I am now.

I gave up on therapy during college because the therapist I’d been assigned was not a good match for me at all.  But once I left, I knew places I could go for help. I started at a place my insurance recommended when I moved home to student teach.  Then that therapist moved.  Then I had another recommended to me by a social worker, and I’ve been with her for four years now (our 4 year anniversary was a few days ago).

TL;DR: I was lost last year.  I was seeing all of my doctors regularly, taking my meds exactly as prescribed, trying to take care of my health as well as I could under the circumstances.  Eventually I reached a point where I was on several medications for anxiety and depression and my PCP, therapist, and psychiatrist all separately advised me that the bottom line was not working harder on wellness: the bottom line was that the stress from my job was going to eat me alive and that the next treatment step needed to be getting out of that environment.

So I tried to ride out the summer staying employed as long as I could.  At some point my therapist lightly suggested that I consider taking the year off from teaching.  That seemed ridiculous.  I had only applied for one job and gotten an interview. But the interview confirmed a hard truth: it was a position I was absolutely made for, but I was not at the right point in my life to take it.  So I toyed with the idea of taking the year off.

Eventually the other shoe dropped and I left my job.  It was incredibly difficult.  I’m a teacher and I’d been with my school for three years.  There were kids I was not ready to leave.  There were coworkers who I’d miss.  There would be people I’d be letting down.  I didn’t know how to tell my family.

But the people who were close to me could see what was becoming of me, and they understood and supported me.

Now I begin a new path.  I could be a whole new person in two months.

Stay tuned.

[rehunmapo1978]

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pharmacist liability insurance cost, the cost of any medical expenses, and the cost of any property damage. All of this information is on a per-person basis. If your car insurance policy includes these other types of insurance coverage: When you file an insurance claim with one of the following coverages – auto, home or , motorcycle or – you can file claims against your insurance provider. However, while each insurance policy covers various expenses, it doesn’t typically cover your other or other drivers’ vehicles. If you choose this form of coverage, the claim would be handled by the other driver’s auto insurance policy. If you cause an accident when someone does not have insurance, their liability coverage would only apply to injuries to yourself and their passengers. A car insurance cover would not apply to your own car. In that case, you would need to add it, either on your policy or by using online resources for purchasing auto insurance coverage. In the following article, you will find details about the four forms. pharmacist liability insurance cost for auto insurance and homeowners insurance for people who can t afford a new policy. You ll get similar amounts with other companies for a variety of coverages, too — for example, auto insurance for an 80-year old woman. People who don t own cars but need to replace one or more for their auto policy? You re stuck with an inadequate auto insurance policy. There are three companies for car insurance. A company licensed to sell auto insurance for non-US residents, and its customers who sell insurance in Mexico. There are a variety of options for you to buy auto insurance in Mexico and other countries. If you already have insurance coverage, you can add an accident or any other car to your policy. To buy auto insurance in any country, you must show proof of insurance to register your car, according to the . If you can t get auto insurance, you have to wait until you have your insurance renewal (even if it s not your first. pharmacist liability insurance cost for drivers from 30% to 50%, depending on state laws. The average cost of car insurance is $1,192. This will add about $60 to the price of premium for each driver. For example, car insurance from the state of Wisconsin is much higher than the average cost quoted by our insurance calculator. If you are considering getting the highest car insurance quotes from the largest car insurance companies, then make sure that you know and understand your options as an employer, first. It is always best to discuss your insurance with the insurance agent as soon as possible, as these companies can charge higher premiums for young drivers because these older drivers cannot drive as well as those younger. For a young driver, then the insurance quotes from major insurers are much higher, and the cost also depends on many other factors, including the number of driving hours a driver drives a lot on a daily basis, the amount of time a driver spends on the road, and the length of time drivers spend on the roads. When.

Malpractice Insurance for Pharmacists

Malpractice Insurance for Pharmacists Pharmacy costs for Pharmacists are much lower than what for any other medical or pharmacy program, including many doctors who can also earn a salary from selling medications. For that matter, Pharmacists are only required to pay a nominal set of charges from their policy: a copay, coinsurance, and deductibles, respectively. Pharmacists usually have $1,000 to $1,000 in coverage with a copay and some for an extra $1,500 in co-payments. Some states and federal groups also require Pharmacists to have a separate, highly regulated Medicare program when they conduct their operations. As Pharmacists earn less and are only required to maintain a minimum level of benefits, they are required to have copayments and co-insurance or deductibles for the medical care done. Pharmacists are paid for this by the pharmaceutical company (typically) that will also pay for any services done in an area they are required to treat. For more information, check out.

What is Pharmacist Liability Insurance?

What is Pharmacist Liability Insurance? Liability insurance for the physician does the doctor, and the doctor is covered by the insurance. Where Can I Compare Pharmacy Compare prices on Pharmacy Compare prices on Pharmacy Compare prices on Pharmacy Compare prices on Pharmacy Compare prices on Pharmacy I am the CEO of a team comprised of Dr.s. Lloydsville, FL We know how frustrating it can be to find out the doctor’s name. There are many. This is important information.  You may want to call a company to see when the doctor is working on your behalf. How Much Would I Pays for Drug? The cost to you may vary depending on the number of prescriptions it sells. Most pharmacies have a PIP deductible. That’s 50% of the cost of the medical service and there is no cash value on the table. If the amount of prescriptions costs more than you will be responsible for you and then you will be responsible for other things.

How Much Does Pharmacist Liability Insurance Cost?

How Much Does Pharmacist Liability Insurance Cost? Liability insurance will cost your patient a fee if you make the error of judgment. Your medication will cost up to 40% more if your doctor refuses to prescribe certain drugs or requires an incorrect dosage form to correct a problem. But insurance providers don’t see that as a problem. “I do not accept any medications from these companies, they have no responsibility in these matters. If I come in, I can be the one paying for these medications if they are in pain, wrote one in a letter to an insurance agent. “The amount of medication costs is much higher with insurance than someone with insurance. We pay the most of medications for our health care. And for insurance, I may get an accurate price for this service if I choose to use the policy to get at least a reasonable price for a non-standard product. And I can drive my car or park in a garage, or my insurance company will pay for their insurance to cover our vehicle. If all this sounds.

What Does Pharmacist Liability Insurance Cover?

What Does Pharmacist Liability Insurance Cover? When it’s time to buy  a new device, you’d think you might have a device that you can no longer use. But with this product, you’re protected from the  liability for loss of use when another person is hurt by you. To learn about this safety net for cost, refer to . When a person files a claim, you’ll be able to file the policy form as though using their physical property, even if their car is damaged. How To Buy Pharmacy Liability Plan Here’s what you need to know about this special plan in order to choose a plan that works for you: If you’re not familiar with pharmacy liability insurance, but it can work for you, here it’s an exact description. You’ll notice that every pharmacy in California has a policy that clearly outlines the type and amount of covered claims. A simple, simple “.

[monkey-mind-pills]

WHAT ARE THE MEDICATIONS TO TREAT ANXIETY?

Some of the medications to treat anxiety disorders short term may include Xanax, Clonazepam and Valium. Sertraline is a medication used to treat anxiety disorders and panic disorders aimed as a long term treatment. If you suffer some kind of anxiety disorder you may need to use one or a combination of short and long term treatments.   

My experience with each individual medication was unique at every step of my recovery process. As I intend to dig into the differences between them keep in mind only a licensed Psychiatrist will be able to determine the right treatment for you. 

I will touch on each individual medication in an orderly fashion. I will start from the beginning trying to emphasize the different stages of my condition and how I discovered each medication during specific events in my timeline.

Alprazoman: Sedative. Brand Name (Xanax)

It took 3 panic attacks to send me on my way to the Urgent Care. After the third one I was in a non-stop roller coaster of physical and psychological emotions. The Pandora's box had been opened and my train of thought was disrupted.It was not only the panic attacks themselves I was concerned about, I developed an acute sensibility to thoughts. I felt I was no longer in control; my brain was dictating when and how to submit my body and mind to dreadful anxiety preludes.

The first time I tried Xanax was during a visit to the Urgent Care near home. The doctor there wanted to understand where my anxiety was coming from and was quick to reveal, based on my severe symptoms, that I needed to see a Psychiatrist. She prescribed Aprazolam (Xanax) which is a sedative to treat anxiety or panic disorders and gave me a 5 day prescription hoping that I could make an appointment soon. I took it for a few days and only received a short lived relief. Xanax was fast, but it had non-lasting effects on me.

This happened on a Thursday. I immediately went into scrambling mode trying to find a good Psychiatrist that could help me as soon as possible. With no date in the near future I waited for an appointment. This was not an easy wait. 

I wanted the anxiety to stop. Imagine non-stop thoughts of future panic attacks, add to that intense twitching butterflies in the stomach and an overall feeling of restlessness, hot flashes and hypersensitivity. I had to see a doctor or else I was going to be hitting my head against the walls in desperation. After three days of non-stop anxiety and still no appointment available I was on my way to the ER. 

I was miserable for more than 72 hours and I was loosing my sanity. I was introduced to Clonazepam.

Clonazepam: Sedative. Common brands (Klonopin)

When I arrived at the emergency room, I was told no Psychiatrist was present at the time. They said I could get admitted but I was probably going to be treated by the regular doctor there. I got an EKG, they took blood samples looking for traces of thyroid problems and got me a chest X-Ray. After everything came back normal the doctor decided to share his veredict. “You are suffering from an Anxiety Disorder” 

Clonazepam can treat anxiety or panic disorders. The ER doctor prescribed this medication for a short term relief of my symptoms and gave me specific instructions on how to take it. The pill, had to be taken 30 min before any imminent anxiety symptoms. It takes longer to take effect and it is not as quick as the Xanax. The tricky part was the need to time it well and take it as soon as I started feeling uneasy. The clonazepam seemed to work a little better but my symptoms were still present. General anxiety happens all the time, which means you only get a few minutes of peace between waves of anxiety. I took the clonazepam and started taking homeopathic remedies. Passion Flower drops and Chamomile Flower Tea with Valerian Root also helped to get somewhere between 10 to 15 min of relaxation.

 My appointment was 2 days away.

Diazepam: Sedative. Brand Name (Valium)

It was Monday. I managed to get an appointment with a Psychiatrist near me and I was excited. My insurance would treat it as an specialist and I would only had to cover the co-pay. 

Side note: Look for a Psychiatrist who can take insurance. Private PsYs will charge somewhere between $400 and $600 dollars for the first visit and will request pre-payments to make appointments.

The prospect of finally seeing an specialist brought some peace for the hours prior to my appointment and the rest of the afternoon. It is incredible how the mind works. Seeing the M.D was the finish line for me. I was finally going to learn how to deal with my symptoms and for a short period of time my anxiety seemed to vanish. I was able to finally eat well for a few days. I was being taken care of.

When I finally was able to visit a Psychiatrist, he prescribed Valium. The reason? It is fast and has long lasting effects. He considered it the best option for me for short term relief. Not only I had taken all kinds of sedatives and benzodiazepines but gone through several doctors and physicians as well. The psychiatrist not only was able to formulate the dosage and frequency needed to battle my inflamed nervous system, he was able to explain what the long term treatment was going to be. Very little I knew this was the beginning of a new chapter in my life.

I was about to meet my daily companion: Sertraline.

Sertraline: Selective Serotonin Reuptake Inhibitor or SSRI. Brand name (Zoloft)

Sertraline or Zoloft is an antidepressant in a group called Selective Serotin Reuptake Inhibitors. When used, this medication may improve several aspects of your life. Apetite, mood and even sleep can be regulated so that you can restore your interest in daily living. Sertraline is commonly used to treat a several array of health conditions such as depression, compulsive disorder, panic and anxiety disorders. For this reason, it became the real long term treatment for my case. Sertraline needs to be taken for a long period of time and it is considered a safe treatment for anxiety disorder. Its caveat? it takes 4 weeks to take effect.

The tricky aspect of dealing with anxiety is waiting for improvement. It won’t come the next day but it will arrive more sooner than later. It does not come overnight but rather your emotions and feelings would fade with every passing week. 

After picking up my 100mg of sertraline at the local pharmacy it was all a waiting game. I had a plan of attack. It was clear I needed to rely on sedatives or benzodiazepines to battle strong symptoms while the Sertraline took effect. I took valium day and night for almost 2 weeks. After the 2nd week I decided to drop the day dosage and leave the night pill. After the third week I cut my daily dosage in half.

I was never super excited about taking sedatives (my personal choice) so I decided I was going to slowly decrease my intake of Valium until I had no need for it anymore. With sedatives or not, I was grateful that I had some of my questions answered and that I had a treatment I could follow. This however was only half of the strategy to battle my anxiety. One question remained. How it all happened in the first place?

It was time for me to get some therapy. I was going to visit a Psychologist.

[messy-little-soul]

January 23 2019

Going to be honest with all of you. You've all seen my struggles with my rare disease, my treatment and the side effects it came with. My struggle with medications and insurance and the waiting game that I lose my patience with a lot. It's a struggle living with this disease even though I don't know much about it only the very little research that is out there so obviously the physician who work on my health know as much as I do. I do not mind sharing my journey with this disease, but the one thing I find it hard sharing is my mental health. To get to the point once again I was at the ER i explained my case, I do not trust people easily nor do I like being reminded of my past trauma in 2018. The crisis therapist kept pushing on the topic that I wanted to leave the ER. The reason we went to St.Anthonys was to see if there would be a different result. What I wanted was an antidepressant that would just stop this thoughts and feeling that I constantly feel. She was confused as she that I was there for pain killers. I told her that I've lived and dealt with chronic pain my whole life and I understand that I will be in pain forever. The therapist was talking about ways to manage my chronic pain that pain killers where not the solution. Simple breathing techniques can eliminate my pain. I was becoming irritated as she made me do this technique after having several mental breakdown and clearly informing her that I was just done. With a migraine and head covered by the hospital blanket to cover my from the blinding light. My mother and I agreed that it was a mistake coming here. I did what I am use to doing, wiped my tears and answered the questions with the answers the therapist wanted to hear as after we told her we wanted to leave she told us that she was leaning towards sending to a psychiatric ward if there was a bed available. The person who checked me into the ER knew my reason for coming as I opened up to him that I've been searching for anyone to take charge and prescribe an antidepressant as no one wants to step in and help as my disease, radiation treatment followed by the cerebral edema is to complicated they worry it might interfere with the treatment. He understood. Medically abandoned. I managed to fake being "okay" and was discharged at night after several hours. Today i manage to pull myself together and arrange two medical appointments. This Friday I will meet with Dr. Andrews, Orthopedic surgeon, on Botox injection treatment one last time to see if he'll give me a chance. Muscle relaxer pills are not working and with insurance issues perhaps its enough to persuade him to give me a chance. I've also called Dr. Jaboin, radiation oncologists about terrible headaches, strong emotions and exhaustion are becoming more severe and wanted to see him sooner than March. I was contacted back and was scheduled to see him next week. I've called my neurologist and said I want off of my new anti seizure medication although I am on a low dosage. My body is having a bad reaction painful cysts, dry and itchy red patches on my neck. I am done with trying new seizure medications and going to stick to Keppra. It is hard trying to be strong and not think you're letting your family down.

[youinmyhoodnowson]

medical marijuana card california

With a California medicinal marijuana card or a cannabis membership card California residents can legally acquire medical marijuana from any of the medical marijuana dispensaries within the state. So search for something like "Denver dispensary evaluation" or just "the best Denver dispensaries" and you should get you the appropriate results. Due to this fact, each dispensary has its personal brand and array of merchandise. Along with your card in hand, it’s now time to make your first medical marijuana dispensary. Most individuals choose to go to a medical marijuana dispensary with their prescription. Marijuana is just not solely very effective in treating a number of illnesses and diseases but it surely also has turn out to be a drug which is extraordinarily protected -- safer than most medicines prescribed every single day. Medical marijuana has been extremely profitable in the treatment of medical marijuana doctors all above-talked about diseases. Some states, together with Washington State, do not essentially concern a medical marijuana card. He joked "when I've seven-eighths of a gram of marijuana, I consider myself to be out of marijuana." He defined that he has a "medical marijuana" card issued in California.

Medical marijuana card guarantees to offer excessive degree services & fulfill their customer needs. Although the Florida Medical Marijuana Card application and qualification course of is irritating, My Florida Green has worked laborious to streamline the process, provide access to one of the best Medical Marijuana doctors, and safe patient information with HIPAA-compliant technology. If you’re a former member of the army, you may possibly be exempt from submitting an application for a CDL. Merely fill out our New Member Form and Affected person and Caregiver Waiver to grow to be a patient with Revolutionary Clinics. If a chosen caregiver is authorized to grow medical marijuana, they might develop exterior, but must adjust to the regulation. Any intent to renew after the expiration date would require a brand new utility for each you and your designated caregiver. If you'll somewhat full a physical utility than going the net route, you can download your affected person software proper right here.

With this card, you'll be able to see the physician at residence in your phone with our app. Other caveats: Cops operating your license will not be able to see that you're a patient, but they can use their very own senses to detect impaired driving or marijuana in a vehicle. Can just anyone see them? You'll be able to learn more about the various circumstances that medical marijuana is helping individuals such as you alleviate each day, click Qualifying Circumstances for Recommendation for more info. There are a lot of situations that are shared on most lists. Weedmaps and Leafly are both great resources for locating cannabis-pleasant physicians near you. Solely doctor accredited patients can use cannabis legally in California. Now, you still can’t grow your individual cannabis, but you should purchase it and devour it. If a patient has a health condition that will profit from the use of cannabis, the place would he or she find a list of medical marijuana docs?

We know it can be troublesome to seek out consistent and dependable professional medical marijuana docs in Colorado Springs and Pueblo. Know the legal guidelines on how caregivers can present help. Two state supreme courts have now so concluded (these surprised by Bourgoin likely both did not learn Coates, did not understand Coates, or forgot Coates). At this stage, it's now probably to attain the agreed quantities of medical marijuana dispensaries, amongst other things provided now in some international locations in the United States. Drying and shredding of the 'hemp' plant is how marijuana is produced. He should possess a medical marijuana license. If there's a cannabis therapy program in your state, studying learn how to get a medical cannabis card is important for benefiting from it. The actual fact that you've got a Registry Card is protected by State Regulation and you could choose to keep your possession utterly private. CBD is totally THC free and may be made use of for extensive pediatric care for kids and delicate adults too.

The Compassionate Use Act allowed for the enlargement of the MMP’s retailers and qualifying circumstances, but the DOH has not even begun the method for increasing this system. If you don’t mind paying a little more, their premium service will delve even deeper and produce a last report which is one of the detailed we have now encountered. However, it’s good to maintain the above in mind when making use of on your card. On the other hand, having a cannabis card eliminates the sales tax and the financial savings start to add up in a short time. Everybody pays different taxes, both straight or indirectly, together with a 15 percent state excise tax and pot-particular local taxes (four p.c on gross sales in Sacramento). Be an Illinois state resident with proof of residency. The net verification program doesn't disclose any information about our patients. GreenStar patients receive more than a physician advice, we assure patients will likely be educated by a highly credible employees. Some individuals will not feel that it helps them, and others will discover surefire relief from utilizing it. Notice: You'll have to pay a certification payment.

How to Get an Exception for the Use of Medical Marijuana When on Probation for DUI Is medicinal marijuana more advanced than prescription analgesics to managing chronic pain? Chronic pain overall constitutes the largest using medicinal marijuana. The opioid narcotics that are popular to take care of chronic pain, like codeine, morphine, oxycodone, and methadone, are potentially addictive. Chronic pain medications might end up bringing about tolerance which has a need of increasing dosage to maintain effectiveness. Low grade marijuana contains 1 to 3 percent delta-9-tetrahydrocannabinol (THC) which is what is typically sold recreationally. THC is well regarded because the most active psychoactive agent in marijuana. High grade marijuana known as sinsemilla contains 7 to 8 percent THC and hashish is between 7 and 20 percent. The most concentrated way of marijuana is hash oil that might contain up to 70% THC!

More than 10 % Americans over 65 years old can are afflicted by incontinence and ladies suffer in excess of men using this type of problem. Investigators at Oxford's Centre for Enablement in Britain reported within the February 2003 issue of the journal Clinical Rehabilitation that in comparison with placebo in patients being affected by MS and spinal cord injury, self-administered doses of whole plant cannabinoid extracts dramatically improved bladder control. These initial findings were followed up by investigators at London's Institute for Neurology inside a pilot and open-label study of medical cannabis or MMJ extracts for bladder dysfunction. A group of 15 patients with advanced multiple sclerosis were tested for that effect that medicinal marijuana had on the the signs of urinary incontinence. The medical advantages of cannabis cover a large scope of issues. It is utilized as being a strategy to nausea and excessive vomiting, together with stomach pain and cramping. It has recently been recognized to treat cancer patients and relieve intense pain caused by debilitating diseases or injuries. The most famous mention of fantastic can be used for glaucoma patients. These patients usually see a marked change in their personal health insurance frame of mind when using it as being a medication.

Provided that the cardboard holder is holding a valid card and abiding by the medicinal marijuana laws of their state - which vary from region to region slightly - they are afforded protection from legal prosecution for possessing medicinal marijuana. Most states have even created an electronic digital system for police officers to ensure that the card is valid, so that they don't arrest a lawfully biding patient that's within their legal rights to make use of this natural medicine. Patients who are marijuana medical card holders can possess, transport and make use of - and in some cases also grow - medical cannabis form of hosting usage; or their caregivers who employ a card are afforded similar protection under the law and protections, too.

[khalilhumam]

COVID-19 has put medicine out of reach for many in Georgia

New Post has been published on http://khalilhumam.com/covid-19-has-put-medicine-out-of-reach-for-many-in-georgia/

COVID-19 has put medicine out of reach for many in Georgia

For Georgia's poorest, medication is an unnecessary expense — whatever the doctor says

“I’d rather eat less bread and buy the necessary medication”, says Keti, who lost her job as a cleaner at a hostel. Photo: (c)  Tamuna Chkareuli / OC Media.

This article originally appeared on OC Media. It is republished here with permission, edited in accordance with GV house style. Georgia’s borders have remained closed since March 18 due to COVID-19, with limited exceptions. Polling suggests average household income may have almost halved, and that those who were directly dependent on the tourism industry, are now facing a tough choice of either saving the money at the expense of their health or taking debts to afford the necessary medication.

Read more: Georgians approve of government's COVID-19 response but fear economic downturn, survey finds

The decline of tourism brought major changes to 59-year-old Keti’s life. The hostel where she worked as a cleaner closed down; the owner, who is a foreign national, left and does not plan to reopen this year. Keti’s salary was 20 Lari (US$6.50) per day working six days per week. With her unemployed, Keti’s family lost half of their income. “My husband is retired and receives a pension [220 Lari ($71) per month], and my daughter is working at the top of her physical abilities three to four days [per week] in the supermarket; therefore she doesn’t make more than 300 Lari per month.” Keti’s daughter Sopio can’t sit or stand for extended periods after a knee surgery two years ago and needs expensive treatment. The doctor told her that her operation would be completely pointless if Sopio did not get injections in her knee. Keti spent days searching for Arthrum — a jelly-like substance similar to that occurring naturally in the joints. She couldn’t find it and reached out to the doctor, who told her that Georgian pharmacies do not sell it and that she should look in a specific pharmacy for athletes — the sole distributor. A single shot of Arthrum costs 800 Lari — 80 percent of the family’s income. Keti still bought it as she wanted her daughter to be able to move. Now, two years later, Sopio’s other knee also started to hurt because of increased pressure, and she needs injections in that knee too. ‘The doctor told us to find someone, anyone abroad, who could bring it to us’. At first, Keti tried to order the shot. But together with insurance and delivery, it would cost just as much as in Georgia. Finally, Sopio reached out to a friend in Italy, who in turn found an immigrant woman who was buying the same shot from her doctor for €100 ($120). They bought two shots last December — with the exchange rate, that cost Keti 310 Lari per shot. Now she would be buying it for 343 Lari, and for Keti, every bit counts. “It was still a huge amount of money for us, but I knew at least that way I could save for the injection procedure and the taxi [to and from the hospital]. I start saving money for the next shot immediately after I buy one.”

“Old people like me are not wanted anywhere”

OC Media consulted with Orthopedic surgeon Giorgi Kvaratskhelia in the First University Clinic in Tbilisi. He confirms that Arthrum, which is prescribed both preventively and post-surgically, is one of the high-cost joint supporters, all of which are imported and rather expensive. Sopio has to use Arthrum for at least five years. But apart from that, she is prescribed Gluvilex Ultra, a joint supplement. “Half a month’s supply costs ₾53 — for two months it’s over 200 Lari. I have no idea where to get money from now, but I’d rather eat less bread and buy the necessary medication.” Sopio frequently has other health issues connected with her knees — like an inflamed ankle ligament last winter. Keti’s husband also has problems with his pelvis joints. Overall, according to Keti’s calculations, her and her husband’s pressure regulators and Sopio’s medicines cost around 170 Lari ($55) monthly. In the pandemic crisis, Keti has lost hope of finding a job. “Old people like me are not wanted anywhere. I have one year till I get my pension but for me, even this one year is a long time. I could work in places like bars and hostels, but that’s not available to me now.” Keti applied for the government’s COVID-19 benefits programme but did not receive it. “I didn’t have a contract and received money in cash. Perhaps that’s the reason.”

“There won’t be a tourism revival till March”

Ana Teimurazishvili, a freelance guide and a member of the Georgian Tour Guides Association, also lost her income due to the closure of borders. She’s been struggling to afford the medication for her elderly mother ever since. “I had to take my jewellery to the pawnshop to be able to buy it. The association helped me with 150 Lari ($49) when I didn’t have money for medication, then I took my jewellery to the pawnshop, then I was asking friends, so I’m in a lot of debt right now. But at least I have something to do. My colleagues have lost all that income.” Ana’s relative rented a small food and drinks kiosk near Turtle lake in Tbilisi, where Ana now works from noon till 01:00. They have been open for less than a month and so they are unsure how much income it will bring in. “Right now, the only thing I’m aiming for is to pay the rent and to be able to take care of my mother, without taking on more debts.” Ana’s mother has been prescribed Eliquis, a blood thinner medication, every month. It’s vital for her since she’s at high risk of thrombosis. Ana used to bring it from abroad because a month and a half dosage was cheaper elsewhere than a month’s dosage in Georgia. She wasn’t aware Georgia had an Eliquis programme until a friend told her. Still, with government subsidies, Ana can hardly afford it. “Two months ago the price was 72 Lari, and now it’s 78″ she says. Nino Khunashvili, head of cardiology at the First University Clinic, described Eliquis as a powerful and effective blood thinner that is often prescribed in Georgia. “It’s an expensive medicine, and all medications of the same group are expensive,” she told OC Media. OC Media inquired about Eliquis in several Georgian pharmacies. The medication has to be ordered via prescription from a doctor and is delivered from Turkey after three weeks since it’s not available in Georgia. Altogether, Ana’s mother’s medications cost around 400 monthly Lari; her pension only covers half that. Ana doubts she can return to her profession anytime soon. According to her, the majority of international tourists were Russian or Russian speakers, and even if the borders opened, she would still have safety concerns. “There won’t be a tourism revival till next March, and until then, people like me, who are in their fifties, will be left with nothing. No one hires my generation.” When Ana applied for emergency aid, there was no category for tourist guides. “The government doesn't see anyone in the tourism industry beyond the hotel and the tour operator”, she says. “And there’s no point in being declared a ‘green zone’ for travelling. This crisis isn’t Georgian only. Armenia and Azerbaijan are in a worse state. People don’t travel here only for Georgia.”

Written by Tamuna Chkareuli

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[gyrlversion]

How One Father Isnt Letting The Healthcare System Forget About His Son

By Katelyn Burns

“You see this train wreck coming right in front of you and there’s not a damn thing you can do to stop it.” Those were the exact words Scott Desnoyers told his son Aiden just two days before his other son, Daniel, died by suicide.

On April 9, 29-year-old Daniel Desnoyers tweeted about his ideations; rescue workers responding to the scene of his death believed it was intentional.

“When Danny tweeted out his goodbye note, I saw it like, one minute after he tweeted it,” Scott told MTV News, his voice cracking as he recounted that morning. At the time, Scott sprang into desperate action and drove to nearby Saratoga Lake in upstate New York. Daniel wasn’t there. “I jumped into my car hoping I could save him if I got down there quick enough, not knowing that I was at the wrong water.”

A father of two from Saratoga County in upstate New York, Daniel had moved back in with his dad after a falling out with the mother of his children. The following custody dispute fueled his depression, according to Scott, but Daniel tried to address it.

“We take our medicine together every night,” Scott said about his family. “So we made sure Danny took his medicine with us every night.” Daniel tried to stay upbeat, too, his father added, even while navigating a number of stressful situations at once.

While Daniel’s death will be recorded as another heartbreaking statistic in the increasing American suicide rate, his life illustrates an all too-common systemic failure by the U.S. health care system. According to Scott, his son had lost his health insurance coverage and subsequently, his access to antipsychotic medication two weeks before his passing — he had missed a $20 premium payment to his insurer, Fidelis Care.

According to the 2013 Medical Expenditure Panel Survey, 1 in 6 Americans take a psychiatric drug, with 1.6% of the population taking an antipsychotic. While the uninsured rate initially fell with the implementation of the Affordable Care Act, the total number of uninsured Americans rose by nearly 700,000 in 2017 compared to the year before, the Kaiser Family Foundation reported. Additionally, the foundation found that 45% of uninsured people in the U.S. cited the high cost of health insurance as their primary barrier to access. The average premium for an individual ACA plan in the U.S. before factoring in any subsidies was $477 per month in 2019. In New York, where Daniel lived, that average premium is $506 per month.

In early February, around that same time Daniel moved back in with Scott, Fidelis mailed a notice regarding the outstanding $20 premium balance to his old address. Daniel never received it, only realizing his insurance had lapsed when he tried unsuccessfully to refill his $250 medication in late March.

Fidelis Care covers over 1.7 million people throughout New York state, according to its website. Among its coverage options are ACA exchange plans as well as managed Medicaid care plans, set up through a partnership with the state. According to Scott, Daniel had a managed Medicaid plan.

In a statement to MTV News, Fidelis Care expressed condolences to Daniel’s family but defended its policies on missed premium payments. “Fidelis Care takes the health of members very seriously,” the statement read. “While we are unable to comment on individual members due to privacy regulations, we can say that for members who have a monthly premium, Fidelis Care provides approximately 60 days (including a grace period) to make their payment; offers a variety of payment options to make the process as easy as possible; and takes several steps – including personal phone calls, letters, and emails – to remind members about the importance of making their monthly premium payment on time and help them keep their coverage without interruption.”

That explanation isn’t good enough for Scott. “I hear people say, ‘Well, he could have gotten a part dosage, he could have gotten this, he could have gone here.’ Yes, he could have done a lot of things,” Scott said, noting that his son had gotten four different jobs in the last month of his life to try to make ends meet. None of the jobs offered immediate health care coverage.

“He was fighting. He was fighting for everything he had,” Scott said.

Daniel was taking the antipsychotic medication Resperidone, which is often prescribed for schizophrenia. Studies have warned against stopping the medication suddenly, as a return of schizophrenic symptoms added with withdrawal symptoms can cause a significant and risky chemical imbalance in the brain.

In the wake of his son’s death, Scott has turned to activism against the system he says took his son’s life. Scott had conservative views on healthcare before, but years ago, he encountered repeated health issues and was exposed to the realities of free market healthcare. “This private for-profit system that demands money for life killed my son. I can’t allow that,” he said. “I’ll take them beating the shit out of me every day but not my kids. They can’t do this to my kids.”

In frustration and anger, Scott began tweeting out his son’s story and was met with thousands of responses from folks with similar stories. For Scott, there’s a very obvious political solution to preventing more deaths: Medicare for All. Daniel’s story has now caught the attention of lawmakers. Presidential candidate Senator Bernie Sanders (I-VT) shared Scott’s story as did Rep. Ilhan Omar (D-MN). Rep. Ro Khanna (D-CA) made a speech about Daniel’s story on the House floor while advocating for Medicare for All, which would extend Medicare access to everyone in the US, replacing private insurance plans.

“[Under Medicare for All], you get basic health care coverage from the day you’re born and in Daniel’s case it would have meant that he would have had health care coverage to go see a doctor,” Khanna told MTV News. “He would have had health care coverage to be able to get the medicine that he needed and there would not have been a lapse. This situation would never have arisen and there’s no reason that we can’t have Medicare for All.”

There’s significant resistance to Medicare for All across all parties, even though there have been two House hearings on the measure during this legislative session and the leading bill thus far has over 100 cosponsors in the House and 20 in the Senate. “The challenge is that we got to first have to have a president that is committed to it because a president can shape the public debate,” Khanna said. “That’s why I think it’s so important to have our Democratic nominee be for Medicare for All.”

In the meantime, Scott Desnoyers vows to keep fighting. “I promised him at his funeral and I promised his siblings that I would be on the Senate floor myself addressing our lawmakers,” he said. “This is a promise that I can’t break.”

Two weeks after Daniel’s funeral, Scott received a notice from Fidelis Care indicating that his son’s insurance coverage had been restored. It was too late.

If you or someone you know is struggling with their emotional health, head to halfofus.com for ways to get help.

The post How One Father Isnt Letting The Healthcare System Forget About His Son appeared first on Gyrlversion.

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[newworldair-blog]

New Post has been published on New World Air

http://www.newworld-air.com/save-money-on-all-the-daily-prescriptions-you-need-using-apps/

Save Money on All the Daily Prescriptions You Need Using Apps

Comparing prescription drug discounts to find the best prescription discount card near you should be easy! Just like everyone else, I have prescriptions I have to fill and it’s not cheap. I wanted to see if there was a way to save tons of money while shopping for prescriptions. After all, comparing prescription drug discounts to find the best prescription discount card should be easy! So I did some sleuthing and came across a top 10 list of supposed best prescription drug discount apps.

I decided to see if this really was the best of the best and, to be honest, I was shocked at how incredible some of these apps were. I realized I was paying way too much for prescriptions not covered by my insurance. Using these apps, I’m also able to compare prices on drugs and print coupons – it’s amazing! I’ve listed my favorite three apps below so you can also enjoy saving money on the meds you need.

Get Pill Dosage Information with GoodRx Pro

GoodRx Pro has extremely helpful tools for everything from pill dosage and identification information to prescription drug discount cards that you can order at the press of a button. You can save all of your most prescribed drugs to a favorites list and get news related to your prescriptions if there are changes so you always stay up to date on things like new research and drug recalls. Plus, if you’re a doctor, you can share savings codes with your patients by either text or email so everyone can access affordable medication.

Keep in mind that GoodRx Pro is tailor-made for practitioners and medical offices, so navigating it for personal prescription use may be slightly difficult. On the other hand, GoodRx Pro is open for anyone to access top-notch, professional information, and it may even be a good idea to suggest it to your doctors if they aren’t already using it!

Pick Up Your Prescription at a Local Pharmacy with Blink Health Lowest Rx Prices

Something that blew me away about Blink Health is that all of the prices are guaranteed. All you have to do is pay on the app and fill your prescriptions at a nearby participating pharmacy, and you’ll save up to 95%. Simply show the pharmacist the Blink Card on your phone. Seriously, that’s it. It’s quick, easy, and budget-friendly, especially if you don’t have great insurance coverage. In fact, even if you do have coverage for your prescriptions, prices on Blink Health may be even lower than what you’re paying through insurance, so it’s always a good idea to check!

From what I’ve seen, Blink Health users love that they save even more money by earning $15 of prescription credit for each friend they refer. Just know that if you’ve earned multiple credits, you can only use up to $15 at a time when making prescription purchase. Actually, it’s pretty great because it means you’ll have money off of your next purchase as well.

Get Prices Lower Than Your Insurance Co-Pay with RetailMeNot Rx Saver

We can all stop worrying about paying loads of money for the medicines we need – finally! A really great resource for finding discounts on medicine is RetaileMeNot Rx Saver. Simply enter the name of your medicine and choose the best price and pharmacy for you. It saves you a lot of time and money in the long run! You will find great deals on medicine and, shockingly enough, you might even find lower prices than your insurance co-pay. And, don’t worry, for those without insurance, you’ll save tons of money too!

Just be aware that some users have found that their search history isn’t saved when trying to find their medication in the RetailMeNot library. While searching for each medication again may take a little extra time, you will end up saving lots of money in return, so it’s definitely worth it!

Conclusion

Since health is obviously important, it’s helpful to have apps like this. As a final useful tip, I’ll share the link to the top 10 list in case you want to check out more apps. It helped me create the list, so I hope it will help you find the right one if you’re looking for an app like this.

Best 10 Prescription Drug Discount Apps

Our medications help get us through the day and it’s high time we stop paying an arm and a leg for them! At least, that’s my opinion, and it’s why I went in search of apps that could make buying my prescriptions easier and more cost-effective. If you’re like me and you find yourself purchasing prescriptions on a regular basis, you need to check out these three prescription saver apps.

#GoodRxPro