Hello. I'm Robin and my husband is bipolar phase 2. He has been treated for it for 5 yrs now and its relatively under control. However we are having a bit of an insurance issue. My husbands insurance is through his work and is a group coverage. They recently changed the insurance. He now has a $1500 copay before they will begin to pay for anything (Which we cannot afford) and no coverage on prescriptions. Just one script is for $900 a month and he has two (Depokote and Abilify). Right now he is not taking any and hasn't for over a month now. He is doing OK right now. Only the mild mood swing. But I know that will not last forever. He's saved what he already has for when that low swing is going to come but we cannot afford to pay for more out of pocket.
He has contacted other companies for private insurance, however they either refuse to cover or are outrageously priced.
We are in Kentucky, and if you have any advice on how we can get insurance please let me know.
Thanks and Blessed Be,
Robin
You could contact your Insurance Commissioner or your state's Insurance Commission website to see if they have a list of potential insurance carriers in your state.
If you have auto insurance or homeowner insurance, you could contact those companies to see if they offer health insurance or know of companies. Both my auto and home insurance companies offer health insurance on the side. It's pricey but they do offer it.
As far as not having prescription coverage and his meds
You could see if he'd qualify for any of the pharmaceutical medication assistance programs. His doctor should know about these and if not, you could ask the pharmacist.
A lot of the pharmaceutical companies have programs now for those who have no prescription coverage or very little and the cost of the meds would drastically affect and effect the person's living. There are forms to fill out and the doc will likely have to sign off on them but that's another option.
He'll either have to pay a sum or he may qualify to receive them free. Even if he is required to pay a sum - if he qualifies at all - it will be less than straight cost.
good luck!