How much a month do your drugs cost, before and after insurance? And how much does your insurance cost every month? Where do you live?

As someone who's come the other way, (US to Canada) the healthcare system in the US is a far bigger disaster than the media portrays. We've considered moving back because we could both make more money in the US, but the uncertainty of health care costs is what stops us every time. Insurance plans in the US are literally all over the map in terms of what you pay vs what they will pay, with a dozen different factors in play for every one of the dozen or so major insurance groups. The problem becomes compounded when you factor in the issue that some health care networks won't take some providers insurance plans, so if there's an emergency and you're not able to get to a doctor or hospital in your "network" then you're screwed. Now, how screwed you are is another factor. A lot of health care networks approved insurance providers have reciprocal billing agreements with other insurance providers, so your insurance provider won't pay your bill but, because you have xyz insurance then the non-network provider will only charge you a certain percentage of their "walk-in" rate, so maybe only 5k(discount price) for a simple ER visit vs 40K(full price). So that's a big issue. Oh, and then there's the "non-network" specialist billing full rate to someone they see in a network hospital so that even though you checked to make sure the hospital you went to was on the list someone who saw you at that hospital wasn't and you have to pay their bill because your insurance company won't

Then there is the quality of care issue. Again, depending on your particular insurance and the particular network that your insurance allows you to access you may or may not be able to be proscribed certain drugs or be given certain tests, or have access to certain specialists. Or worse in my opinion is the annual shuffle when the insurance companies announce who is and isn't in their network for the coming year. So, say you found a neuro you like and takes your insurance, great, until fall or whenever when the insurance company says their no longer in-network, so you either have to find an approved one or pay out of pocket. It's a mess.

That said, if you have the money and a great insurance plan, you can get really good care but...........only if you have a great insurance plan, a lot of extra money, and the time to go through the reams of paperwork you get every time you access the system to sort out the inevitable "billing errors" and fight them. And this is after "Obama care" supposedly made it marginally better.

/r/MultipleSclerosis Thread Parent