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Self-Employed looking for (a good) Prescription Drug Card/Plan!!

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cartesiankyle@gmail.com
medicine forum beginner

Joined: 15 Jun 2006
Posts: 1

Posted: Thu Jun 15, 2006 12:33 am Post subject: Note

Self-Employed looking for (a good) Prescription Drug Card/Plan!!

Hi,

I was wondering if any of you pharmacists know of prescription drug
cards/plans I can subscribe to at a monthly rate (say $50/month) to get
% off or set copays ($10/$15/$30). I am going to get BCBS BlueOptions
health insurance, but I was told it doesn't really cover prescription
drugs.

Any leads would be a tremendous help. Searching for prescription drug
plans usually yields many medicare related queries, and others are
related to group health plans! Very frustrating.

Kyle

me
medicine forum beginner

Joined: 09 Sep 2005
Posts: 22

Posted: Thu Jun 15, 2006 1:30 am Post subject: Note

Re: Self-Employed looking for (a good) Prescription Drug Card/Plan!!

On Wed, 14 Jun 2006 17:33:04 -0700, cartesiankyle wrote:

Quote:

Before you waste time looking for a separate drug plan, I'd suggest
first looking into the details of the BlueOptions plan you will be
getting, since you don't sound certain about what coverage the plan
offers. There are exceptions, but I would be willing to bet the plan has
Rx coverage. All BCBS plans of which I am aware do have Rx coverage, but
my exposure is limited, and there are 60+ BCBS organizations out there,
each with multiple plans, so anything is possible.

If you find the current plan you have selected doesn't have Rx coverage,
it would probably be less expensive to add it to the plan than to purchase
a stand-alone Rx plan.

<Hawki63@sbcglobal.net
medicine forum Guru Wannabe

Joined: 23 Sep 2005
Posts: 222

Posted: Thu Jun 15, 2006 5:48 pm Post subject: Note

Re: Self-Employed looking for (a good) Prescription Drug Card/Plan!!

"me" <me@home.org> wrote in message
news:pan.2006.06.15.01.30.34.938967@home.org...

Quote:

On Wed, 14 Jun 2006 17:33:04 -0700, cartesiankyle wrote:

Hi,

I was wondering if any of you pharmacists know of prescription drug
cards/plans I can subscribe to at a monthly rate (say $50/month) to get
% off or set copays ($10/$15/$30). I am going to get BCBS BlueOptions
health insurance, but I was told it doesn't really cover prescription
drugs.

Any leads would be a tremendous help. Searching for prescription drug
plans usually yields many medicare related queries, and others are
related to group health plans! Very frustrating.

Kyle

Before you waste time looking for a separate drug plan, I'd suggest
first looking into the details of the BlueOptions plan you will be
getting, since you don't sound certain about what coverage the plan
offers. There are exceptions, but I would be willing to bet the plan has
Rx coverage. All BCBS plans of which I am aware do have Rx coverage, but
my exposure is limited, and there are 60+ BCBS organizations out there,
each with multiple plans, so anything is possible.

this is not at all true

Blue Cross Medicare supplement plans...at least here in Calif

have TWO options that have Rx coverage (which is quite limited..and
increases the monthly cost a lot) for instance Blue Cross Senior Classic J
costs 320 a month

Blue Cross A, C and F do NOT have any Rx coverage...F costs 132 a month..

this is what we got when hubby went on Medicare....

he has NO Rx coverage...but excellent other coverage..

Medicare Part D is a huge scam in my eyes

many seniors have reached the "donut hole" in just 4 or 5 months...now they
have to pay a huge cash outlay before the Rx coverage kicks in again...not
to mention the monthly premiums for a coverage that isn't giving them
anything for about 3 months...

Quote:

If you find the current plan you have selected doesn't have Rx coverage,
it would probably be less expensive to add it to the plan than to purchase
a stand-alone Rx plan.

me
medicine forum beginner

Joined: 09 Sep 2005
Posts: 22

Posted: Thu Jun 15, 2006 6:18 pm Post subject: Note

Re: Self-Employed looking for (a good) Prescription Drug Card/Plan!!

On Thu, 15 Jun 2006 17:48:59 +0000, Hawki63 wrote:

Quote:

How it it "not at all true"? I clearly said that the plans _I am familiar
with_ do have Rx coverage (referring to individual and group BCBS plans,
as there was no talk of Medicare), but there are a large number of plans,
so it is possible that some do not.

Quote:

Blue Cross Medicare supplement plans...at least here in Calif
have TWO options that have Rx coverage (which is quite limited..and
increases the monthly cost a lot) for instance Blue Cross Senior
Classic J costs 320 a month

There was no mention of Medicare.

The OP says he is self-employed and looking for Rx coverage. Its not
surprising that most Medicare supplement plans won't have Rx coverage
since part D is available.

Quote:

Blue Cross A, C and F do NOT have any Rx coverage...F costs 132 a
month..

this is what we got when hubby went on Medicare....

he has NO Rx coverage...but excellent other coverage..

Medicare Part D is a huge scam in my eyes

many seniors have reached the "donut hole" in just 4 or 5 months...now
they have to pay a huge cash outlay before the Rx coverage kicks in
again...not to mention the monthly premiums for a coverage that isn't
giving them anything for about 3 months...

Then they should have selected plans that better suited their needs.
There are a number of them that have no coverage gap (AKA "Donut Hole").

<Hawki63@sbcglobal.net
medicine forum Guru Wannabe

Joined: 23 Sep 2005
Posts: 222

Posted: Fri Jun 16, 2006 12:03 am Post subject: Note

Re: Self-Employed looking for (a good) Prescription Drug Card/Plan!!

<cartesiankyle@gmail.com> wrote in message
news:1150331584.069768.41330@u72g2000cwu.googlegroups.com...

Quote:

sorry if I misread....

I saw Medicare in the above paragraph ..and mistakenly figured he was
looking for a medicare rx plan....

he also did not mention that he was self employed tho

Quote:

Kyle

<Hawki63@sbcglobal.net
medicine forum Guru Wannabe

Joined: 23 Sep 2005
Posts: 222

Posted: Fri Jun 16, 2006 12:13 am Post subject: Note

Re: Self-Employed looking for (a good) Prescription Drug Card/Plan!!

"me" <me@home.org> wrote in message
news:pan.2006.06.15.18.18.20.1082@home.org...

Quote:

On Thu, 15 Jun 2006 17:48:59 +0000, Hawki63 wrote:

Before you waste time looking for a separate drug plan, I'd suggest
first looking into the details of the BlueOptions plan you will be
getting, since you don't sound certain about what coverage the plan
offers. There are exceptions, but I would be willing to bet the plan has
Rx coverage. All BCBS plans of which I am aware do have Rx coverage, but
my exposure is limited, and there are 60+ BCBS organizations out there,
each with multiple plans, so anything is possible.

this is not at all true

How it it "not at all true"? I clearly said that the plans _I am familiar
with_ do have Rx coverage (referring to individual and group BCBS plans,
as there was no talk of Medicare), but there are a large number of plans,
so it is possible that some do not.

Blue Cross Medicare supplement plans...at least here in Calif
have TWO options that have Rx coverage (which is quite limited..and
increases the monthly cost a lot) for instance Blue Cross Senior
Classic J costs 320 a month

There was no mention of Medicare.

actually there WAS a mention of Medicare....I just mistakenly assumed the
poster was of Medicare age

Quote:

The OP says he is self-employed and looking for Rx coverage. Its not
surprising that most Medicare supplement plans won't have Rx coverage
since part D is available.

I did not see a mention in the original post of being self employed...

Quote:

they "they" should have noticed that such "better suited plans" can cost at
least $60 a month...ie...$720 a yea

spoken like a working stiff who has "copay" only drug coverage...

>

me
medicine forum beginner

Joined: 09 Sep 2005
Posts: 22

Posted: Fri Jun 16, 2006 1:00 am Post subject: Note

Re: Self-Employed looking for (a good) Prescription Drug Card/Plan!!

On Fri, 16 Jun 2006 00:13:36 +0000, Hawki63 wrote:

Quote:

actually there WAS a mention of Medicare....I just mistakenly assumed the
poster was of Medicare age

I sit corrected. The context of his mentioning medicare was that he was
not looking for a medicare plan though.

Quote:

I did not see a mention in the original post of being self employed...

Then you didn't read the Subject

Quote:

they "they" should have noticed that such "better suited plans" can cost
at least $60 a month...ie...$720 a yea

Quote:

spoken like a working stiff who has "copay" only drug coverage...

Actually, I have no medical insurance except for some catastrophic
coverage. I pay out-of-pocket for Rxs, and I, for one, don't expect the
government, or rather other tax payers, to foot the bill for me. Nor do I
like being forced to pay for anyone elses. I'm not totally heartless.
There are cases and situations where I think it is fine, even commendable,
but all of this "gimme gimme gimme" has gotten to me.

Pumbaa
medicine forum Guru Wannabe

Joined: 05 May 2005
Posts: 107

Posted: Fri Jun 16, 2006 1:38 pm Post subject: Note

Re: Self-Employed looking for (a good) Prescription Drug Card/Plan!!

<Snip>

Quote:

Sheesh... I take it you are one who thinks the government should simply
pay for everything. You complain that they have a donut hole, then
complain that the plans without donut holes cost more. Free drugs for
everyone, after all its our right!!

spoken like a working stiff who has "copay" only drug coverage...

Actually, I have no medical insurance except for some catastrophic
coverage. I pay out-of-pocket for Rxs, and I, for one, don't expect the
government, or rather other tax payers, to foot the bill for me. Nor do I
like being forced to pay for anyone elses. I'm not totally heartless.
There are cases and situations where I think it is fine, even commendable,
but all of this "gimme gimme gimme" has gotten to me.

I do expect that our FDA (alias the government) get off of its collective
rear end and approve all the generic drugs that are waiting in the pipe
line. All the new drugs that are getting approved will help some people
(and help kill some) but most of them will be priced over the cost of a
similar generic drug.

I finally got covered by Medicare because I am disabled due to an automobile
accident. Before Medicare I was paying BC-BS about $415 a month for health
insurance. After the MVA, I had to get into the State health insurance pool
as a regular insurance company would not cover me. My regular BC-BS plan
dropped me like a hot potato. I had only purchased the plan a few months
before and my hospital bill for a month in ICU was about one hundred
thousand dollars. The insurance company did get a discount from the hospital
as they never pay "retail" prices. Good luck and get insurance!

<Hawki63@sbcglobal.net
medicine forum Guru Wannabe

Joined: 23 Sep 2005
Posts: 222

Posted: Fri Jun 16, 2006 5:13 pm Post subject: Note

Re: Self-Employed looking for (a good) Prescription Drug Card/Plan!!

"me" <me@home.org> wrote in message
news:pan.2006.06.16.01.00.15.715205@home.org...

Quote:

On Fri, 16 Jun 2006 00:13:36 +0000, Hawki63 wrote:

actually there WAS a mention of Medicare....I just mistakenly assumed the
poster was of Medicare age

I sit corrected. The context of his mentioning medicare was that he was
not looking for a medicare plan though.

I did not see a mention in the original post of being self employed...

Then you didn't read the Subject

yep...missed that....OK..mutual misreading you and I

Quote:

they "they" should have noticed that such "better suited plans" can cost
at least $60 a month...ie...$720 a yea

Sheesh... I take it you are one who thinks the government should simply
pay for everything. You complain that they have a donut hole, then
complain that the plans without donut holes cost more. Free drugs for
everyone, after all its our right!!

spoken like a working stiff who has "copay" only drug coverage...

Actually, I have no medical insurance except for some catastrophic
coverage. I pay out-of-pocket for Rxs, and I, for one, don't expect the
government, or rather other tax payers, to foot the bill for me. Nor do I
like being forced to pay for anyone elses. I'm not totally heartless.
There are cases and situations where I think it is fine, even commendable,
but all of this "gimme gimme gimme" has gotten to me.

no...am NOT one of those you describe above...

myself...age 61...have extended Cobra coverage...currently costing me $944 a
month...still with significant copays and coinsurance...so yes...am paying
my share

problem is with hubby...age 66...when he went on Medicare..I did the
checking and discovered that Blue Cross Supplement #F made the most
sense....this was prior to Part D...no drug coverage ....but "only" $125 a
month...and covers his Medicare deductibles and other things...

he is post MI and CABG..so is on those expensive statins and a few other
meds...I get his meds from England...realize you probably don't approve of
it..but this way I can double his dose and split the pills...

do I expect my govt to foot the bill for his meds??? apparently not

my concern was that the part D is pretty much a scam...

I vote for reducing the patent length...price controls..and then I can get
his statins at a local retail pharmacy

me
medicine forum beginner

Joined: 09 Sep 2005
Posts: 22

Posted: Sat Jun 17, 2006 4:01 am Post subject: Note

Re: Self-Employed looking for (a good) Prescription Drug Card/Plan!!

On Fri, 16 Jun 2006 17:13:04 +0000, Hawki63 wrote:

Quote:

In the grand scheme of things, statins aren't that expensive. Heck, a
cup-o-joe a day at Starbucks, or a half-gallon of gas per day will cost as
much or more as a being on a statin. It's not aspirin cheap, but it
doesn't even come close to something like Gleevec or any of the biologics.

Yes, I realize on a fixed income any little extra can put a severe strain
on the budget. If that were the case here though, I'd be surprised if he
didn't qualify for subsidized part D.

As far as purchasing meds overseas, I have absolutely no problem with
people doing that, as long as they realize the potential risks
associated with the practice (increased risk of counterfeits,
lost/seized/slow-to-arrive prescriptions, little or no pharmaceutical
care, etc), and call that pharmacy with any questions or concerns, rather
than the local mom-and-pop shop or chain. It's only fair.

I don't see where buying them from a different country has any impact on
whether or not you can split the tablets, though. It is done fairly
frequently stateside. Some insurance plans and our state's medicaid
require it in certain situations, and certainly it's not unheard of among
cash customers here.

Quote:

do I expect my govt to foot the bill for his meds??? apparently not

my concern was that the part D is pretty much a scam...

Have you determined this to be the case through any research on your part,
or are you convinced of it through hearsay or what the talking heads may
have said?

It is far from perfect, and another budget-busting entitlement program
(Would you expect any less from the gov't?) but, like it or not, I've seen
quite a number of people who have benefited greatly from it. In addition,
a significant number of people here who don't qualify for Medicaid still
qualify for subsidized part D where they don't pay premiums and have
minimal copays.

Quote:

I vote for reducing the patent length...price controls..and then
I can get his statins at a local retail pharmacy

I'd go for a moderate reduction in patent length. I would be extremely
surprised to ever see it happen though. Too many corrupt politicians (an
oxymoron) and lobbyists.

Price controls? May be acceptable, may be a complete disaster. It would
depend upon how they are implemented. I think it is inevitable, just a
matter of time, that we will go to a nationalized health care system, and
I don't see that as a good thing.

Pumbaa
medicine forum Guru Wannabe

Joined: 05 May 2005
Posts: 107

Posted: Sat Jun 17, 2006 12:16 pm Post subject: Note

Re: Self-Employed looking for (a good) Prescription Drug Card/Plan!!

Quote:

"me" <me@home.org> wrote in message
news:pan.2006.06.16.01.00.15.715205@home.org...
On Fri, 16 Jun 2006 00:13:36 +0000, Hawki63 wrote:
Snip

Quote:

myself...age 61...have extended Cobra coverage...currently costing me $944
a
month...still with significant copays and coinsurance...so yes...am paying
my share

Ouch ! $944 a month. You must live in NY or California. In a poor State
like Mississippi, I don't see how that insurance would even fly. I think
the average income for my area is only about $24,000 a year. Yet these chain
drug stores are paying over $100K a year for a full time Pharmacist. When I
was first working as a pharmacist I moved to Michigan to get better pay.
Now it seems that Mississippi is paying their pharmacists well but I am too
sick to work! The cost of living is less down here especially if you can
live way out in the country like I do.

Zocor statin is due to become generic very soon. It works for me and will
become a lot cheaper. The Medicare drug plan has saved me a lot of money. I
am paying $66 a month for Healthspring Rx coverage. My drug bill went from
cash of $500 a month to about $130 a month.

I didn't know you could get medication from England. I have purchased it
from Canada and I know that there are on-line Israel Pharmacies.

Bob G.
medicine forum addict

Joined: 09 May 2005
Posts: 62

Posted: Sat Jun 17, 2006 12:41 pm Post subject: Note

Re: Self-Employed looking for (a good) Prescription Drug Card/Plan!!

.. My regular BC-BS plan

Quote:

dropped me like a hot potato. I had only purchased the plan a few months
before and my hospital bill for a month in ICU was about one hundred
thousand dollars. The insurance company did get a discount from the hospital
as they never pay "retail" prices. Good luck and get insurance!

==========================

I would NOT call it a discount....its a negotiated "price" between the
Physician / Hospital/ and yes Pharmacy.... This "price" is however
one major reason that "cash customers" see their bills inflated to
make up the difference...

Just finally had BC cover a procedure I had done in March....
They rejected it initially and I received a bill of $36,000 from the
hospital.....(ok that only about 2 years worth of my Social Security
Checks ...I am only 62 therefore not eligible for Medicare yet) ...
after appealing and lots of hair pulling frustration they paid the
Hospital IN FULL ... $9,000 or which they "contributed" $8,100
and I "only had to pay my 10 percent...$900....

That's one hell of a "discount" the Hospital gave BC... !

Slight difference between what a Hospital accepts from BC and what
they will accept from a cash customer... in this case $25,000 !

I am a retired Pharmacist... BTW. and the same Discounts are offered
Drug Stores on a take it or leave it basis...and believe me in most
towns the Hospitals, Doctors, and drug stores accept the terms mostly
because if they did not...they would have exactly zero patients...

about the ONLY Health Industry that does not have to accept MAJOR
discounts I believe are the Drug Manufacturers... and they can pass
thru price increases every day if they desire...

Just my thoughts..

Bob G.

Pumbaa
medicine forum Guru Wannabe

Joined: 05 May 2005
Posts: 107

Posted: Sat Jun 17, 2006 1:40 pm Post subject: Note

Re: Self-Employed looking for (a good) Prescription Drug Card/Plan!!

"Bob G." <rg327_remove_@adelphia.net> wrote in message
news:ibt792t6hsga31308mdo4bhur03bbbu195@4ax.com...

Quote:

about the ONLY Health Industry that does not have to accept MAJOR
discounts I believe are the Drug Manufacturers... and they can pass
thru price increases every day if they desire...

Just my thoughts..

Bob G.

It would seem that if we had a free capitalist society, that the cash
patient would get the lowest price. Cash in the hand is worth a lot more
than having to wait several months to get paid, if you get paid, by the
insurance company. Pharmacists recently got a law passed in Mississippi to
force the insurance companies to pay the retail pharmacies faster for
charges under Medicare. The State's Attorney General says he will enforce
it. A pharmacy should not have to provide interest free loans to a big
insurance company while waiting until they decide they will pay for the
medication.

Doesn't the VA gets MAJOR discounts from the Drug Manufacturers. Did you
read about the group of Amish up North? They do not believe in insurance
and they take care of their own. They have negotiated with the local
hospitals and they receive a discount similar to insurance companies
whenever they use the hospitals. The group then pays the hospital in cash.

<Hawki63@sbcglobal.net
medicine forum Guru Wannabe

Joined: 23 Sep 2005
Posts: 222

Posted: Sat Jun 17, 2006 6:07 pm Post subject: Note

Re: Self-Employed looking for (a good) Prescription Drug Card/Plan!!

"me" <me@home.org> wrote in message
news:pan.2006.06.17.04.01.34.316890@home.org...

Quote:

On Fri, 16 Jun 2006 17:13:04 +0000, Hawki63 wrote:

no...am NOT one of those you describe above...

myself...age 61...have extended Cobra coverage...currently costing me
$944 a
month...still with significant copays and coinsurance...so yes...am
paying
my share

problem is with hubby...age 66...when he went on Medicare..I did the
checking and discovered that Blue Cross Supplement #F made the most
sense....this was prior to Part D...no drug coverage ....but "only" $125
a
month...and covers his Medicare deductibles and other things...

he is post MI and CABG..so is on those expensive statins and a few other
meds...I get his meds from England...realize you probably don't approve
of
it..but this way I can double his dose and split the pills...

In the grand scheme of things, statins aren't that expensive. Heck, a
cup-o-joe a day at Starbucks, or a half-gallon of gas per day will cost as
much or more as a being on a statin. It's not aspirin cheap, but it
doesn't even come close to something like Gleevec or any of the biologics.

Yes, I realize on a fixed income any little extra can put a severe strain
on the budget. If that were the case here though, I'd be surprised if he
didn't qualify for subsidized part D.

luckily..no..cannot qualify for anything subsidized

don't know what you are paying for gas....we are paying $3.30 per gallon

at Costco.com.....generic Pravachol 20mg.. 69.90. for 30 ..approx $2.15
per pill or get 40mg and split them $132 for 30...thus still $2 per pill

at Walgreens.com Pravachol 20 is 83.99 per 30 close to $3 per pill or
40mg for $119....$2 per pill...

not to mention the others he is on...all adds up

Quote:

As far as purchasing meds overseas, I have absolutely no problem with
people doing that, as long as they realize the potential risks
associated with the practice (increased risk of counterfeits,
lost/seized/slow-to-arrive prescriptions, little or no pharmaceutical
care, etc), and call that pharmacy with any questions or concerns, rather
than the local mom-and-pop shop or chain. It's only fair.

apparently you missed the special on Dateline...just as likely to get
counterfeit meds here in the USA....

don't need questions answered...am an NP..so can write scripts..ie know a
bit about meds

Quote:

I don't see where buying them from a different country has any impact on
whether or not you can split the tablets, though. It is done fairly
frequently stateside. Some insurance plans and our state's medicaid
require it in certain situations, and certainly it's not unheard of among
cash customers here.

his doc will NOT write for any dose other than what he actually takes per
day...

when he had drug coverage..once the doc wrote for 40 mg tabs..take half a
tab per day..insurance co only gave him 15 pills!!

Quote:

do I expect my govt to foot the bill for his meds??? apparently not

my concern was that the part D is pretty much a scam...

Have you determined this to be the case through any research on your part,
or are you convinced of it through hearsay or what the talking heads may
have said?

again...as an NP I get a load of journals..have a bunch of working
friends..and until recently..worked myself...I know the facts...

Quote:

It is far from perfect, and another budget-busting entitlement program
(Would you expect any less from the gov't?) but, like it or not, I've seen
quite a number of people who have benefited greatly from it. In addition,
a significant number of people here who don't qualify for Medicaid still
qualify for subsidized part D where they don't pay premiums and have
minimal copays.

I vote for reducing the patent length...price controls..and then
I can get his statins at a local retail pharmacy

I'd go for a moderate reduction in patent length. I would be extremely
surprised to ever see it happen though. Too many corrupt politicians (an
oxymoron) and lobbyists.

Price controls? May be acceptable, may be a complete disaster. It would
depend upon how they are implemented. I think it is inevitable, just a
matter of time, that we will go to a nationalized health care system, and
I don't see that as a good thing.

<Hawki63@sbcglobal.net
medicine forum Guru Wannabe

Joined: 23 Sep 2005
Posts: 222

Posted: Sat Jun 17, 2006 6:10 pm Post subject: Note

Re: Self-Employed looking for (a good) Prescription Drug Card/Plan!!

"Pumbaa" <pinkertonjames@hotmail.com> wrote in message
news:CoSkg.13322$ED2.5181@bignews2.bellsouth.net...

Quote:

"me" <me@home.org> wrote in message
news:pan.2006.06.16.01.00.15.715205@home.org...
On Fri, 16 Jun 2006 00:13:36 +0000, Hawki63 wrote:
Snip

myself...age 61...have extended Cobra coverage...currently costing me
$944
a
month...still with significant copays and coinsurance...so yes...am
paying
my share

Ouch ! $944 a month. You must live in NY or California. In a poor State
like Mississippi, I don't see how that insurance would even fly. I think
the average income for my area is only about $24,000 a year. Yet these
chain
drug stores are paying over $100K a year for a full time Pharmacist. When
I
was first working as a pharmacist I moved to Michigan to get better pay.
Now it seems that Mississippi is paying their pharmacists well but I am
too
sick to work! The cost of living is less down here especially if you can
live way out in the country like I do.

how did you guess?? California...median price of homes over 600 K in our
county

Quote:

Zocor statin is due to become generic very soon. It works for me and will
become a lot cheaper. The Medicare drug plan has saved me a lot of money.
I
am paying $66 a month for Healthspring Rx coverage. My drug bill went
from
cash of $500 a month to about $130 a month.

so far he cannot take Lipitor or Zocor due to AE....

Quote:

I didn't know you could get medication from England. I have purchased it
from Canada and I know that there are on-line Israel Pharmacies.

www.mastersmarketing.com

Quote:

Google

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