My plan was to retire from my job with just a 60 day gap between my health insurance and Medicare. You know what they say about “the best laid plans…”
Once my employer was informed of my intent to retire, the “business decision” was made to make my retirement effective April 17th instead of May 31st. While that made sense financially to my employer, it did put a little crimp in my plans: six weeks fewer paychecks, and a longer gap without health insurance.
I have managed to stay healthy (knock on wood!) during this time, but I have allergies, and this is the season! Apparently, I have a champagne nose on a beer budget; the nasal spray I use (after suffering from the side effects of several less expensive options) is rather costly. Had I known I was going to be this long without health coverage, I would have refilled my prescription back in April! But, since I was only given two days advance notice of the effective date, I didn’t have time to even think about it.
A phone call to the pharmacy where I traditionally have my prescription filled informed me that the nasal spray without insurance would cost $110. Yikes! I decided to shop around and learned that the same item was available at Wal-Mart for $60. I’m going to hold off until I hear back from my doctor if she has any samples that might carry me to August!
The message here is shop around for your prescriptions! I was amazed at the price differences on the same medication. Generics are the best bet, if you can tolerate them; if you require a name brand, or if a generic is not available, price comparison will be to your advantage. If you are lucky enough and/or healthy enough to not require prescription meds, more power to you! The happiest pills are the ones that you don’t have to take!