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My wife has decided to work part time in order to help more with taking care of our kid. (I work from home so I have been giving all the care during workdays.) She has 1199 National Benefit Fund as her insurance which is really good in that it has no copays or deductibles. However, now that she's gonna be part time, she will still get medical coverage but no prescriptio or dental.
I am having a hard time finding available prescription only plans on Google as the results seem to be associated with Medicare.
Does anyone know of any website or insurance company that does offer private prescription-only plans that are not associated with Medicare or Medicaid?
One of those TV prescription discount cards like GoodRx. I doubt there is a such thing as prescription only insurance that would be worth whatever they may or may not offer you. Unless you have a long standing chronic condition that requires expensive ongoing meds, you might be better off seeing if you can put away tax free dollars or taking the tax deduction at the end of the year if eligible.
My wife has decided to work part time in order to help more with taking care of our kid. (I work from home so I have been giving all the care during workdays.) She has 1199 National Benefit Fund as her insurance which is really good in that it has no copays or deductibles. However, now that she's gonna be part time, she will still get medical coverage but no prescriptio or dental.
I am having a hard time finding available prescription only plans on Google as the results seem to be associated with Medicare.
Does anyone know of any website or insurance company that does offer private prescription-only plans that are not associated with Medicare or Medicaid?
Thank you.
Mark Cuban Cost Plus Drugs sells many meds for considerably less than cost with insurance, and usually ways less than GoodRx or other coupon programs.
Mark Cuban Cost Plus Drugs sells many meds for considerably less than cost with insurance, and usually ways less than GoodRx or other coupon programs.
I just checked on that site. They didn't have two of the meds that I get prescribed, and the others were a reasonable price - but still more than what I pay at Sam's Club. Plus they charge $5 for shipping, and Sam's has free delivery (though I live nearby and just pick it up in person).
Another vote here for the GoodRx card. My state was balking at paying my Medicare Part B and Part D Extra Help, and even the pharmacist at Walmart recommended it. The state finally came through, but if your medication is part of their coverage it will make a huge difference in what you pay. When I found out how much they would cost out of pocket I nearly had a heart attack.
It's a shame how they've jury rigged all these medical plans. When I go back to work I'll lose the free Medicare Part B and Part D, so I'll be out around $250 pre tax each month from having to pay it myself. That removes a lot of the incentive to work if its only part time.
I just checked on that site. They didn't have two of the meds that I get prescribed, and the others were a reasonable price - but still more than what I pay at Sam's Club. Plus they charge $5 for shipping, and Sam's has free delivery (though I live nearby and just pick it up in person).
Well it is worth checking with them. They saved me a few hundred $$$/month on ulcerative colitis meds and you can believe I checked my insurance price, I checked all the coupon programs, I even checked the "Canadian" pharmacies which can be a little sketchy.
But yes, some work out really well with them and some don't. Currently I get one med with them which is pricey despite generic and I save BIG TIME. The rest are so cheap through medicare and local pharmacy that I just go with that.
Another vote here for the GoodRx card. My state was balking at paying my Medicare Part B and Part D Extra Help, and even the pharmacist at Walmart recommended it. The state finally came through, but if your medication is part of their coverage it will make a huge difference in what you pay. When I found out how much they would cost out of pocket I nearly had a heart attack.
It's a shame how they've jury rigged all these medical plans. When I go back to work I'll lose the free Medicare Part B and Part D, so I'll be out around $250 pre tax each month from having to pay it myself. That removes a lot of the incentive to work if its only part time.
If you're getting help with Part B and D, then it's because you live in abject poverty, OR you're disabled. If you're disabled and return to work, you lose your disability supplements, AND your medicaid.
If you're not disabled, but just very poor, and return to work, it means you finally have a chance to rise out of poverty. And while you're still poor, you will qualify for free health care from the ACA marketplace. Regular health care plans, with no premiums.
Does anyone know of any website or insurance company that does offer private prescription-only plans that are not associated with Medicare or Medicaid?
Is this SEIU's medical plan? If so, ask the benefit manager if she can continue prescription coverage as a direct pay. Normally when an employee's prescription coverage is dropped due to work condition changes, if they are already in the plan, they can continue as a direct pay with that same provider. Most prescription drug plans do not have stand alone direct enrollment, but she's not seeking NEW stand alone enrollment, just continuation buy as a private pay.
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