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A MyPsoriasisTeam Member asked a question 💭

I’m seventeen and the insurance I have doesn’t cover any medications over $1,000
Anyone else out there with the same issue with insurance? Anyone else out there also seventeen and experiencing the same things as me???

March 2
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A MyPsoriasisTeam Member

Depending on what state you live in I would think most of them would still apply with if you're under 18 your parents should be able to cover you on their insurance. Hopefully they have some. Otherwise if you can't afford medication on your own you should reach out to the insurance or prescription provider and ask to have a waiver form signed that you should get that without cost. It's worth a try.

When my daughter was younger and still in college I covered her until she was 26 it says back then they are eligible. But she lived on her own so she had her own bills for this stuff. When she turned 19. I told her to reach out to the billing department and tell them that she only worked part-time and she couldn't afford a medical bill she got that was her portion to pay. They had her fill out a form that was a waiver and I would say if you reach out and ask for that they might be able to cover it without cost to you. Depends on who the provider is. Worth a try can't hurt to ask.

My daughter also needed dental work and they gave her a bill. She said I can't afford that it's hundreds of dollars. She talked to their office and they at least reduced the fee. It always pays to ask can't hurt to try.

March 2 (edited)
A MyPsoriasisTeam Member

Ditto, TjBartlett, Great Info for Libby to begin with. I say my first advise, would be, keep Speaking Up & Make them Listen, make lots of noise We all have to Stand Up for ourselves. Your Best Advocate , is Yourself. Hi my name is Terri. I am just one of thousands here on MyPsoriasisTeam. Just like TjBartlett who had Offered their help to Me, when I first started here. Libby, I was 15years old when I first was told that I have this Issue, but I was young and well Young. I knew nothing, I had heard of Psoriasis but only in Jokes, , my Peers made fun of, in my early years, I mean, I did not want to be DIFFERENT, at least, Not Like this, no way. Listen, BREATHE , You are in Good Hands. My new friend ,Nobody, I really mean ,They Knew NOTHING! Today IRL, all I see, all I hear, its all out there in the Wide Open Spaces, PSORIASIS, lets go PSORIASIS, Front Page. I am glad you have found this Format, MyPsoriasisTeam, jeez, I wish I have something like this in my Early Years... I am Sad that you are scared & confused. We all Were but you shouldn't be ANYMORE, Libby. LEARN as much as possible, never stay Silent 🤫 & most of all, Always Reach out. Someone, oops I mean Everyone here is Here For You & I am hoping that you ,Libby, I will Learn lots & I am pretty sure, I will learn plenty from you too! 😊 Terri

March 3
MyPsoriasisTeam

Are you struggling with insurance coverage for expensive psoriasis medications?

It's frustrating when insurance won't cover medications over a certain cost, especially when many psoriasis treatments, particularly biologics, can be quite expensive. You're definitely not alone in facing insurance barriers at a young age.

Show Full Answer

Are you struggling with insurance coverage for expensive psoriasis medications?

It's frustrating when insurance won't cover medications over a certain cost, especially when many psoriasis treatments, particularly biologics, can be quite expensive. You're definitely not alone in facing insurance barriers at a young age.

Here are some options that might help:

* Check if the drug manufacturer offers financial assistance programs - many biologic companies have programs specifically to help with copays or medication costs
* Ask your doctor about appealing the insurance decision or requesting prior authorization for the medication you need
* Look into patient assistance programs through organizations like the National Psoriasis Foundation's Patient Navigation Center, which offers free help navigating insurance issues
* Search online for discount programs or coupons that might reduce medication costs outside of insurance

Some insurance companies use "step therapy," requiring you to try cheaper medications first before covering more expensive ones. If a less expensive option doesn't work or causes problems, your doctor can document this to help get approval for the treatment you need.

Don't give up - there are often ways to work around these insurance barriers, even if it takes some persistence and advocacy.

March 2

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