Can I Get Help if I Have Insurance but a High Deductible?

You have insurance. You pay your premiums every month. But when you go to the pharmacy, they tell you the drug is $800 because you haven't met your "deductible" yet. You’re what we call "underinsured." You’re paying for the privilege of still being broke.

It is a trap, and it is one of the most common reasons people skip their medication. But here is the good news: having insurance doesn't disqualify you from getting help.

The "Underinsured" Trap

Most people think Patient Assistance Programs (PAPs) are only for people with zero insurance. That used to be true, but the system has changed. Many drug manufacturers realized that high-deductible plans are basically the same as having no insurance for the first $5,000 of the year.

According to the Kaiser Family Foundation, deductibles have outpaced inflation by a mile. The PAPs have adjusted to this reality.

PAPs Don't Care About Your Deductible

If your out-of-pocket costs are high, you can often bypass your insurance entirely. You don't have to use your insurance card at the pharmacy. If we can get you enrolled in an advocacy program, you can get your medication for $40 a month regardless of what your insurance says you "owe."

Why Your Insurance Wants You to Pay Retail

Your insurance company loves it when you pay full price toward your deductible. It means they don't have to pay a dime. They aren't going to tell you about these programs because it doesn't help their bottom line.

We don't work for the insurance companies. We work for you. We find the programs that ignore your deductible and give you a flat, manageable price.

Stop paying the 'deductible tax.' Get your meds for $40/mo.