Health Insurance Coverage

I’m not a smart person so this might not come out right or sound very intelligent. My husband pays over 200 a WEEK through his employer for me to have medical insurance. I have type 2 diabetes, chronic pain syndrome, diabetic neuropathy, osteoarthritis, complex regional pain syndrome, and polycythemia. Out of pocket costs for my medical care (with insurance) is over $2000 a month. Our insurance that we pay so much for is trash. It won’t even cover many prescriptions that my doctor says I need. My pain management medication is over 1000 a month. Is there anything we can do to make these insurance companies lower our out of pocket costs? Some weeks I can’t afford groceries because I have to have my medications. We went from being a family of 6 that always had extra money for family fun days to all of our kids becoming adults and moving out on their own to it just being my husband and I and we are drowning in medical bills.

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Look into Dr. Peter Osborne on You tube or glutenfreesociety.org he goes over this in multiple videos. He explains and shows case studies proving. The dangers of eating gluten, nutrient deficiencies. And how the medications are causing more harm than good.

I do agree, we need to have some type of price cap on medications. My mom had idiopathic pulmonary fibrosis and one of her meds was $600000 a year and the medication did not treat the problem only possibly made so a patient could last a little longer in the 6 minute walk test.

Many years ago, I read how Germany priced drugs basing it off the gold standard of treatment. A small group of people looked at the studies and decided how the medication compared to the gold standard. With novel treatments and better than gold standard treatments being able to charge a certain amount over the standard. If the drug was the same as the standard, the pharmaceutical company could only charge the standard price. If the drug was worse or did not work, it was not put on the market. Not sure if we can implement something along those lines, but have each state have a small group and have the studies looked at by a handful of states. Would be harder for pharmaceutical company lobbyists to lobby for the medication, if it’s not centralized.