WHY ARE PATIENTS LOSING ACCESS TO FREE MEDICINES?
Patrick Casale
Insurance Broker contracted around the United States offering health insurance coverage. I specialize in helping Small to Large Businesses attain quality affordable health insurance for their employees.
What happened to OBAMACARE helping Americans receive affordable healthcare? Premiums are not the only issue Americans are facing these days. How about the cost to see a physician, be hospitalized or how about pharmaceutical costs?
The administration did a victory lap over insulin pricing. But Johnson & Johnson, Pfizer and other companies are scaling back programs that cover the co-payments of patients or provide free drugs!
These assistance programs provide lifelines to patients who need very expensive medications to fight cystic-fibrosis or psoriasis drug STELARA and blood thinner XARELTO.
Health Insurers and employers who pay for healthcare have long tried to make patients pay a portion of the price of expensive medicines, in part to encourage patients to take cheaper, equally effective treatments. This is the real issue, because these new medications are heavily priced and offer major positive results. Even greater success form these major medical issues impacting so many!
With the success of drugs like OZEMPIC for example, the monthly costs can be well over $1,000.00! This medication is not only successful for those with diabetes, but over the top helping with weight loss!
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Growing numbers of people with insurance must also pay their deductibles before the health plan will start paying for these high cost medications!
To counter the health plans, drugmakers created financial assistance programs that cover all or most of the patients out-of-pocket expenses. Some health plans, seeking to restrain spending on higher priced drugs, in turn took steps to counter these discounts, coupons and grants by stopping any credits their members physically paid out that could be applied toward their deductibles and out-of-pockets.
These manufacturer discounts enable many with chronic illnesses to obtain these high cost medications and successfully fight off the medical issues!
Since they passed OBAMACARE we have seen deductibles and out-of-pockets as high as $9,100.00 in a calendar year. Regardless of your premium, who has $9,100.00 to expend for healthcare? If you qualify for "FREE" health insurance premiums your income isn't the upper or even middle portion of "MIDDLE CLASS AMERICA". Chances are you in lower tier of the "Federal Poverty Levels'!
So many promises, so many disappointed in yet another failure of system that has never been designed to work for the people that need it the most!
For more info, feel free to contact me anytime on my cell, 702-286-1014.