Re: new pill to replace coumadin?
As for medical insurance, if you're covered at work it's a non-issue. I was talking about out-of-pocket - in other words, paying for your own medical insurance with your own money. My husband too has coverage for both of us through his employment, but a couple years ago he was in-between jobs and we looked into the cost of paying for our own medical insurance if we needed to, just to find out how much it would be - we got an education you wouldn't believe. They will NOT touch you if you're on coumadin. Period. Not for any amount. Trust me - been there, done that, if anyone is in doubt, try it. There is a list of medications they refer to, and unfortunately coumadin is on that list as an automatic denial as it's considered a high risk drug. After awhile, it almost got to be a challenge to see how many denials we could get - every single one (and there is no 'waiting' period for medications, that applies to pre-existing conditions and that's not what we're talking about here). The only insurance company that cannot turn you down is Blue Cross - they HAVE to cover you, but they can also charge you whatever they want, too. They may be required by law to accept anyone for coverage, but they can also charge you whatever they want for that coverage. Believe me, we went through more insurance companies than we knew existed, and they all - and I mean ALL - turned me down as soon as they saw I was on coumadin. Is it discrimination? I suppose it is, but they have the right to do what they want. That's why the government says Blue Cross MUST offer coverage to anyone who asks so that we do have someplace to go, but they do not regulate what Blue cross can charge you. It's like a high-risk driver - he can shop around to all these insurance companies, and once they see he's high risk, they turn him down. If he gets lucky enough to find someone to accept him, he'll pay a very high premium for that coverage.
The solution is, of course, to have medical insurance through employment, which we do. But to find coverage on your own? Automatic denial through all but Blue Cross. Upsetting? Yes. Discouraging? Yes. Did it make me angry? Yes. Angry enough to go off coumadin for some 'new' pill? Nope.