Your doctor hands you a new prescription. She says it’s the best treatment to give you relief from your painful, itchy, peeling psoriasis. But there's a catch: You're not sure you can afford it.
Know that you’re not alone in this. Some very effective medications for severe psoriasis can cost $15,000 or even $20,000 a year, which can lead some people to skip treatment altogether. And paying for treatments for chronic conditions can be a hardship since it’s not a one-shot purchase.
Fortunately, there are resources that can help you with the cost of your medications and treatments—you just have to know where to look.
Start by discussing your options with your doctor. Physicians don’t always consider costs when prescribing medications, so if you find that you can’t afford a treatment, don’t be afraid to speak up. Ask if there’s a less expensive choice that would be as effective for you. Even if there isn’t, your doctor can help point you to assistance programs and be your advocate.
Next, contact your drug manufacturer. If the cost for your medication is too high, or you don’t have insurance, you may qualify for financial assistance from the drug manufacturer. And if you’re denied, check with the programs again to see if availability has opened up.
Check out financial assistance organizations for help as well. Websites such as RxHope, Xubex, NeedyMeds, Inc. and more provide assistance for people who may not be able to afford costly medication. Some of these offer drug discounts directly, while others can help you navigate other assistance resources, possibly including programs in your local area.
Be sure to look into state-sponsored programs that can provide assistance with costs for health insurance, medical care, prescriptions and more. And financial assistance organizations can usually help you discover these programs and their benefits.
If you’re on Medicare, use the tools such as the State Health Insurance Program in your state to learn about your benefits and get help using them. And if you have Medicare’s prescription drug coverage -- Medicare Part D—try applying for Extra Help, a plan that can cut your premiums, deductibles and co-payments significantly. However, you must qualify for Extra Help by residing in the United States, be on Medicare and have low income or financial assets. Check out Extra Help on the Social Security website to learn more and apply. Be sure to schedule an appointment with Social Security representatives if you need help.
