Oldest is an "adult" now. Sort of - you may know what I mean. We're into the next layer of ... no support anywhere. Please forgive me. I just need to RANT. There are no answers.
Oldest is working, full time. Had half decent benefits, then the company gets bought out. New benefits plan... OUCH!
He's on four medications, three of which are expensive.
I don't care who covers or whether any plan covers the inexpensive one.
Of the other three, ONE is partly paid for by a provincial plan.
One is not covered by ANY plan that we have access to.
And the last one, well, the old plan covered a fair bit of that one. But. There is an annual limit. Which we reach before we get to the end of the year. At about $500 per month... OUCH!
The new plan has a severe restriction. All "non-controlled" medications used on a regular basis (i.e., this doesn't count for, say, antibiotics, or for controlled substances like Ritalin) must ONLY be purchased through one specific on-line pharmacy.
Psychiatrist wants oldest to be on bubble-pack for the medications.
Pharmacy can only do that if they dispense ALL of the medications.
Extended insurance plan won't cover three of the medications unless it is NOT dispensed by retail pharmacy. (The plan will cover the controlled substance being dispensed by retail... and the on-line pharmacy cannot dispense that one, so can't do bubble pack either)
Psychiatrist says there are no other medications that will work, due to liver damage (long story, not oldest's fault) and drug interactions. Some of the standard medications might have worked and are a LOT cheaper - but we can't go there. Provincial drug plan says: one of the medications is not covered for anybody, there is a short-acting form that is just as good (not - been there, too hard to be consistent); and that same plan says the other expensive medication is not covered for the diagnosed condition.
Oh, and we're still adjusting medications. Psychiatrist expects us to make the switch on the day we get the script. Not one-to-two weeks later that is available through the on-line pharmacy. And adjusting one medication means adjusting at least one other medication.
Social services will not cover any of it - he makes too much money.
Do we really live in a world where insurance plans and pharmacies get to determine what medications people can or cannot take? Where the medications that are covered are going to kill you - and the medications that are not covered kill you anyway because you can't afford to eat? (yes, son eats - because we pay for both his food and his medications...)
This is 2015, people. And this is the best we can do?
(I'm in Canada - we don't even have the option of carrying oldest on husband's group benefits, because... he is older than 18 and not a student.)
Oldest is working, full time. Had half decent benefits, then the company gets bought out. New benefits plan... OUCH!
He's on four medications, three of which are expensive.
I don't care who covers or whether any plan covers the inexpensive one.
Of the other three, ONE is partly paid for by a provincial plan.
One is not covered by ANY plan that we have access to.
And the last one, well, the old plan covered a fair bit of that one. But. There is an annual limit. Which we reach before we get to the end of the year. At about $500 per month... OUCH!
The new plan has a severe restriction. All "non-controlled" medications used on a regular basis (i.e., this doesn't count for, say, antibiotics, or for controlled substances like Ritalin) must ONLY be purchased through one specific on-line pharmacy.
Psychiatrist wants oldest to be on bubble-pack for the medications.
Pharmacy can only do that if they dispense ALL of the medications.
Extended insurance plan won't cover three of the medications unless it is NOT dispensed by retail pharmacy. (The plan will cover the controlled substance being dispensed by retail... and the on-line pharmacy cannot dispense that one, so can't do bubble pack either)
Psychiatrist says there are no other medications that will work, due to liver damage (long story, not oldest's fault) and drug interactions. Some of the standard medications might have worked and are a LOT cheaper - but we can't go there. Provincial drug plan says: one of the medications is not covered for anybody, there is a short-acting form that is just as good (not - been there, too hard to be consistent); and that same plan says the other expensive medication is not covered for the diagnosed condition.
Oh, and we're still adjusting medications. Psychiatrist expects us to make the switch on the day we get the script. Not one-to-two weeks later that is available through the on-line pharmacy. And adjusting one medication means adjusting at least one other medication.
Social services will not cover any of it - he makes too much money.
Do we really live in a world where insurance plans and pharmacies get to determine what medications people can or cannot take? Where the medications that are covered are going to kill you - and the medications that are not covered kill you anyway because you can't afford to eat? (yes, son eats - because we pay for both his food and his medications...)
This is 2015, people. And this is the best we can do?
(I'm in Canada - we don't even have the option of carrying oldest on husband's group benefits, because... he is older than 18 and not a student.)