Tuesday, July 7, 2009

Shop for Drugs? Who Knew?

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!


Anonymous said...

you left a comment on my blog a while ago, do I know you???

glnroz said...

Drug companies are stealing us blind,, they need the extra cash to buy,, Hope ur having agreat day..glenn

My Kind of Strange said...

whoah....wait just a minute! I had to stop reading after that second paragraph to say: That hardly seems legal! Your employer let you go when they heard you were considering retiring? NO. that's not right at all! Ok, I'll go back to reading the rest of the post now.

Oh, and thanks for stopping by my blog and leaving a note - I'm proud of my boys and do plan to enjoy them as much as possible! :)

Eva Gallant said...

Anonymous? since you didn't list your blog or your name, I don't know if I know you. I do go blog browsing frequently, and if I see a blog that interests me or has good photos on it, I may make a comment. Hope that wasn't a problem for you.

The American said...

Our health insurance changed last July -- we have greater up-front costs but after hitting a certain dollar amount everything is covered 100%, even prescriptions.

Last July to December was too short to hit the dollar amount, however, from January to July, this year, we were going to be within $50 and would have certainly hit it my mid-July.

Naturally, the program changed July 1st ... and now prescriptions will have a copay regardless. (A small copay -- but it's the principal of the thing.)