Scotties Toy Box

The Many Things In My Toy Box ….my view may change due to verifiable evidence

10 thoughts on “No other leading country wipes out your savings and equity when you get sick.

  1. Nan says:

    Too bad this couldn’t be laid squarely in front of Trump as he sits is his cushy Oval Office. But then again, even with his “great and unmatched wisdom,” I doubt he’d see the connection.

    Liked by 1 person

    1. Scottie says:

      Hello Nan. I think it should be laid squarely in front of all our elected officials. I knew an elderly couple in NY who had the American dream, home, cars, about to retire from a good job. The wife had a couple heart attacks and the man got sick and had to retire early. The medical costs wiped them out. They ended up on housing assistance until they both died. It was tragic for them and their family. Medical costs are killing people. I posted the high medical bills that Covid patients face when they get better. Right now we see how tying health insurance to your job fails the public when 40 million people have lost their job and some figures say 2/3 are not coming back. We need a healthcare system change in this country. Ron and I have part D now and even with that we both ordered one of our blood sugar medications. Remember Ron lost his job and so our insurance. The medication Jardiance cost about $450 each. So for that one medication for both of us will cost us out of pocket about $900. For one medication for both of us. No choice but pay it. Now that will be about the same as our deductible so the rest of the year it should be cheaper. But starting in January we have the same deductible and will be hit with that same high cost for the same medication we both need. The system here in the US has to change. We need to take insurance out of the equation, no excuse for a middle man who needs a profit. We need the government to work for the people, not the wealthy corporations and stockholders. Hugs

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      1. Nan says:

        I empathize with you, Scottie. But the really sad part about all this is the powers-that-be have NO IDEA what the ordinary folks go through just to survive. And as we have agreed on many occasions … they don’t care! It’s just not on their radar.

        Did you happen to see the article about Michelle Obama suffering from low-grade depression because of all that’s going on?

        Liked by 1 person

        1. Scottie says:

          Hello Nan. Yes and she is a caring soul. But she will have the best medical care, not something other people can claim. Wish her the best. Right now Ron’s family is in the middle of a large mess due to his brother appearing to be going into alzheimer’s. The brother is not able to live on his own and they are trying to arrange some type of assisted living. However his brother is poor, and it is like trying to make a rope with wet spaghetti noodles. Hugs

          Oh the drug I thought was $450, turned out to be $477 for one month. In january it will again be that price for one month. There is no other replacement for it. Hugs

          Liked by 1 person

          1. Nan says:

            I’m assuming this is your cost for the drug. If this is correct, what is the cost of it without insurance? Must be totally outrageous!

            So sorry to hear about Ron’s brother … and the situation surrounding it. Curious … if we had MFA, how would something like this be handled?

            Liked by 1 person

            1. Scottie says:

              Hello Nan. The cost seems to be the $477. Next month it should drop. But we have to pay the full cost once a year, as I understand it.

              As for Ron’s brother it has been a strange story. In May Ron got called by the guys that his brother was living with that he had checked himself into a VA mental hospital because he was having paranoid delusions. Thought a big black guy was after him to kill him. He had gotten really hard to live with. Ron and his sister 1 went up to see what was going on. The doctors at first refused to let the brother out because he was still off his rockers. However Ron and his sister talked with the doctors who got the medications balanced and said his brother could leave, so they arranged for him to go back to where he was living. Well the brother also had cancer several times and the treatments in the past radiated his intestines causing them to be falling apart. The doctors have tried to cut out the bad parts but every time they try to stitch the parts together it simply won’t stop bleeding.

              So the sister 1 lives in Texas, and has a small home in New Hampshire near the rest of the family. That is who Ron goes to visit it for nearly two weeks every 2 years. This year the brother invited himself up and sister 1 called Ron in a panic asking him to come up even though he had not planned to due to his losing his job. Seems brother who went up there is not in his right mind and also is bleeding at night all over the bed, rugs, and bathroom and not cleaning up after himself. He is not buying his own foods and expecting his sister to cook him meals three times a day, nor trying to do his own laundry. Brother claims to be in a lot of back pain but wont go to the doctors. Basically they did not know how to deal with him, he was not normal and simply seems to be in an alternate reality. Ron went up, got brother to a doctor, explain to the other that brother was clearly in a degenerative mental state, which is most likely alzheimer’s, Ron got him to see a couple doctors and while Ron was there he seemed to be getting better.

              After Ron left it fell apart. Brother went to another sisters to stay for a few nights as sister 1 was fed up, and while at second sisters accused her son of taking his medications. As he has no pain medication there would be no reason for anyone to take his medication. So he went back to sister 1 place and he just wouldn’t take care of himself. He kept asking all the family members if he could stay with them, causing everyone to wonder why he was not going back home to the NC. So Ron called his roommates and they simply don’t want him back until he is in his right mind, they had gotten fed up with him before he left for NH.

              So now the family finally realized what they were up against and the last two weeks they have leaned heavily on Ron. He has been the one to deal with both the VA and with the roomates in NC. He is talking calls day and night to advise the family up north in questions they have or in dealing with problems arising. The brother is not getting better and maybe getting worse quickly. Ron doesn’t want to have to make another trip up north, and I don’t want him to do so. However we are waiting to see what steps the family up there take. That is the bare bones of the situation, the drama level has been high and Ron simply did not need the extra responsibility right now.
              But they are a tight family and they do believe in helping each other. Hugs

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              1. Nan says:

                Oh wow! That situation with Ron’s brother sounds a bit overwhelming. I would say he definitely needs to be put in some kind of facility, but of course, that’s not an easy thing to do. Not only emotionally, but especially financially. Is there a way that the whole family could contribute? It definitely doesn’t sound fair for sister 1 to have to bear all the responsibility for his care. In any case, I do hope things get worked out for the benefit of everyone.

                What’s the name of the drug you’re taking? I’m just curious as I’d like to take a look at my insurance’s formulary and see what level it is and what they would pay.

                Liked by 1 person

                1. Scottie says:

                  Hello Nan. The reason sister 1 got saddled with the care is he went to her home in NH first. But now the others are stepping in to help. As I said they are a family of 8 children who all grew up close and loving, so they are now in the mode to help. The problem was at first no one knew what to do about their brother acting strange, and it took Ron going up there to sort it out. If the VA can not get his medications balanced enough to keep him in our reality then he will have to go into a care home. His family wasted two weeks trying to find low income housing for him before it became clear that he simply is losing the ability or the will to care for himself. As Ron asked them, which one wanted to be responsible to make sure he took his medications on time, gave him his meals, and cleaned up after him? which would mean taking him into their homes.

                  None did, which is understandable. So the family is now working to get him into a assisted living placement that can care for him, and Ron has been talking with the VA. I asked Ron last night if alzheimer’s runs in his family and yes it does run in his family, so they have all dealt with it before, they just did not want to accept it.

                  The drug is Jardiance 25 mg tablets. Let me know how much it is in your formulary. Hugs

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                  1. Nan says:

                    For what it’s worth, I think it would be a good thing to put Ron’s brother in an assisted living facility. I know they’re expensive and people sometimes have negative feelings about them, but it sounds to me like it will benefit all the family members in the long run.

                    Re: your medicine: Unfortunately, my plan only lists the 10 mg dosage for Jardiance. It falls into Tier 3 and the “Standard Retail Cost-Sharing” for the “Preferred Brand” version purchased within the network (31 day supply) would be $47. The “Preferred Retail Cost-Sharing” depends on the state you live in. Apparently my plan isn’t available in Florida, but in the states listed in the book, the cost-sharing goes up to 43% (long-term care is 46%).

                    Just doing some quick online research, the 25 mg price listed at most places is around $500 — and that’s with one of their “discount cards!” Apparently a generic version of Jardiance is “in the works,” but who knows how long that will take??? So maybe your $477 isn’t such a bad price after all!

                    Wait! I did find another website that lists metformin as a generic and it seems to have a decent rating. Have you discussed generic with your doc? Based on my Formulary, it’s Tier 1 @ $19 (Standard retail) and $1 (Preferred retail) — 500, 750, or 1000 mg.

                    Liked by 1 person

                    1. Scottie says:

                      Hello Nan. Thanks for looking stuff up. My monthly cost of the drug will be around $141 dollars a month I think, not sure but will know when I fill it next month. But each year I have to pay the full price for the first month it seems. The good news it wipes out my deductible. The plan we picked for both of us is a highly rated plan. The monthly premium is $13.20 and the deductible is only $450 or so. A lot of my medications co-pays are very low priced or even no co-pay. What is going to hurt is the donut hole part. As you know I take a lot of medications and it will put me in the donut hole quickly. Ron and I both have the same plan and we both take the same diabetic medications.

                      As for metformin it is not a replacement for Jardiance. I take Janumet which is a combination of metformin and januvia. Mine is 50 mg / 1000mg. My monthly cost for that should be around $42. Hugs

                      Liked by 1 person

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