Yesterday, APL went to pick up my Enbrel and some other prescriptions on his lunch hour, because he is the sweetest ever! But when he got there, the pharmacy charged him $750 for the Enbrel. Yes, you read that right, $750. That one prescription cost more than our monthly car payment and HOA fees combined. It's enough for me to buy an amazing wedding dress or, apparently, get stabbed 4 times by a needle. I just spent three hours on the phone with various insurance agents trying to figure out why the Enbrel was suddenly so expensive.
I mean, didn't I already pay for health insurance? I did. And my plan from Aetna should cover 50% of my prescriptions. However, it only covers up to $5,000 per policy year on prescriptions. Apparently I have already reached that cap. So the health insurance is no help.
But aren't there support programs to help pay for expensive drugs like Enbrel? There are. The Enbrel Support Program offers 6 months of Enbrel at no cost and then $10 or less out-of-pocket per month thereafter. Until you hit their cap of $4,000 per six months. Which I have already hit. Twice.
So: I now have zero prescription coverage until school starts again. And not just for Enbrel, but for all of the other 459 prescriptions I take every day. (Ok, ok. More like seven. But still!!) I'll have to pay full price for all of them.
Including Enbrel. And, believe it or not, the $750 APL paid yesterday was after what was left of my support had already been applied. Which means that next time I go to pick up Enbrel, they'll charge $1,600. Awesome.
You know what else this means? I hit a $5,000 cap and two $4,000 caps and I have paid hundreds of dollars of co-payments to the pharmacy myself. This means that I have spent more than $10,000 on medicine in less than a year!! In fact, the total is closer to $15,000. You could by an entire car for that amount. Or a whole wedding. HOW DO DRUGS POSSIBLY COST THAT MUCH?!?!
And how will we ever pay for it all?