Next year, apply for the high deductible plan through your company. It shouldn't cost anything at all. Here's how it works:
You decide how much money you want taken out of your paycheck every week. It goes into a savings account where it sits, earning interest until you need it. Your ANNUAL deductible is $2200 - that's also how much you can have taken out of your check and put into the savings account. You still get discounts on your prescriptions and visits, but you pay the balance straight from this savings account. Once you've paid the $2200 from your pocket, the insurance company pays 100% of ALL medical expenses.
It's a great deal because if you look at normal insurance plans, it's an 80/20 situation, plus copay. Your deductible is $2000 AND you have a $1000 prescription deductible to pay. This plan has NO copay for anything and the combined deductible is actually less.
You can decide how much you want to put into the savings account - it doesn't have to be $2200 a year. If you think you'll only need to spend $500 next year, you can choose to put $500 into the account over the next year. You'd still have to pay the $2200 deductible (if your actual expenses were higher than $500) but doing this might make your weekly or monthly expenses a little less.
If you decide to put $2200 into the savings account but spend less than that, the money stays in the account for the rest of your life or until you use it - earning interest the entire time. Believe me, this will save a TON of money. I'll probably save $7000 this year alone because I have to have surgery which will be 100% paid for and so will the medication since I'll have met my deductible already.
Until then, you just have to suffer through the expensive payments. You could also pay cash in advance at the doc's office, sometimes they give discounts. There are also discount cards you can get for free. Try finding a specialty pharmacy in your area. Some specialize in women's issues. I'm guessing you're on Yaz for the PMDD - it's freaking expensive so a specialty pharmacy may have a better stock and better prices. Also, check out places like Costco and Sam's Club - I know Costco lists their prescription prices online and they;re ALWAYS cheaper than traditional pharmacies. You don't need to be a member either. I save roughly $50 a month by getting my prescriptions filled there!
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