A little math for you:
A one month supply of my anti-MS drug, full price:
$1,600.00 (Or One THOUSAND six hundred dollars and 00 cents, to be exact.)
(Per shot, thats $106.666666666666666666666666666666666667, to be exact)
My insurance pays 75%! Woo hooo! Cutting the price down to a mere:
$400.00 a month.
Of course, I always listen to my Mom, so I am on Gary's insurance, which pays 60% of prescription co-insurance. That knocks it down to:
$240.00 a month! Awesome!
And since we'll be using Gary's FSA to reimburse us that $240.00, we effectively get 30% back at tax time, since the FSA is taken out before taxes! I don't understand this at all! But it sounds good, and it brings the total down to a paltry:
$168.00 a month! That's ninety percent off, people!
But wait! There's more! When I had to take the big upfront hit of a three month supply at $400.00 a month yesterday, I of course bitched to Gary. To be exact (because I'm all up in my own face with the exactitude today), I bitched to Gary after the three month supply was FedExed to the office today. I've haven't had the meds while I've been working out these new insurance details, so I promptly coaxed a roll of fat up over my pants and shot myself up right there in the cube. (And that'll teach the new guy to ask me what's in the FedEx box.)
Gary emailed me back:
$168/month is only $5.60 a day. I think that you are worth $5.60/day. We can make that up easy by tipping 15% instead of 20% at restaurants. Currently, I tip 20% because I am bad at math not because I am generous. From now on, I will use the calculator built into my Blackberry to calculate 15%. There, your drugs will now cost us nothing.
Because I know healthcare costs are always described as "spiraling," and because Spiraling Healthcare Cost is a hot topic, I just want to alleviate your concerns:
A) I paid for the FedEx myself.
B) Oh, just imagine what I would cost in wheelchairs and private nurse/companions.
C) Socialized medicine doesn't seem to be the answer. As I understand it, Canada and England have elected to wait to see if the drug is effective before it will be put on their program. (Because ten years worth of data is inconclusive?) Both countries have an even higher incidence of MS.
So, hey, fellow Anthem Blue Cross/Blue Shield members, thanks for the big cost savings! I'll pay you back when your kids get the croup.