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Real members of myRAteam have posted questions and answers that support our community guidelines, and should not be taken as medical advice. Looking for the latest medically reviewed content by doctors and experts? Visit our resource section.

How Do You Afford Your Medication...and What If You Can't?

A myRAteam Member asked a question 💭
December 8, 2024
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A myRAteam Member

Hi,
Meds are expensive, for sure. When I was first diagnosed I was 57 and insured through my employer. My insurance was a hmo and only provided Methotrexate, which I could not tolerate. I ended up with no treatment for a year and a half then was blessed to find an RA research team at UCLA and was treated via Clinical trials at no cost to me, until we could find my working med, I could get approved for SS Disability and find a Medicare Advantage Plan that would cover me, even though I was not 65.
My Advantage Plan, Scan has been Wonderful in helping me with info to help cover out of pocket co pays and yearly deductibles, which with "Exra Help", federal assistance and MediCal, state assistance I currently have zero out of pocket.
Also, let your Rheumatologist know if med cost is an issue, they know which plans cover the most and they sometimes have samples to help you along the way.
I hope this helps!

December 8, 2024
A myRAteam Member

My husband's insurance is taking care of Plaquenil and the Methotrexate.

December 20, 2024
A myRAteam Member

Affording medication for rheumatoid arthritis can be challenging, but there are several options to explore:

1. Patient Assistance Programs (PAPs): Offered by drug manufacturers to help cover medication costs. Check eligibility and apply directly through the manufacturer or websites like NeedyMeds (url: www.needymeds.org) Show Full Answer

Affording medication for rheumatoid arthritis can be challenging, but there are several options to explore:

1. Patient Assistance Programs (PAPs): Offered by drug manufacturers to help cover medication costs. Check eligibility and apply directly through the manufacturer or websites like NeedyMeds (url: www.needymeds.org) and RxAssist (url: www.rxassist.org).

2. Co-pay Assistance Programs: These programs reduce out-of-pocket costs for medications. Some are income-based, while others are open to all patients. Be cautious of insurance accumulator programs that may not apply assistance to deductibles.

3. Nonprofit Organizations: Groups like The Assistance Fund and PAN Foundation provide financial help for antirheumatic drugs. Check their websites for updates on funding availability.

4. Government Programs: Medicare Part D, Medicaid, and state pharmaceutical assistance programs can help cover costs. Medicare Part D offers supplemental drug coverage for those 65+ or on disability.

5. Generic Alternatives: Ask your provider if a less expensive generic medication is available.

6. Health Insurance Plans: Compare plans to find one with lower out-of-pocket costs for your medications.

7. Pharmacist Support: Build a relationship with your pharmacist, who can recommend cost-saving options.

If you still struggle, consider reaching out to health advocates or case managers through your insurance for additional support.

December 8, 2024

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