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What healthcare coverage deadlines are approaching for you?

This time of year is when people are facing lots of deadlines for healthcare coverage, whether it's through employer-offered insurance or the Health Insurance Marketplace, or Medicare or Medicaid. 

If you get your health insurance through the Marketplace, open enrollment for the federal  goes from Nov. 1, 2018, and ends on Dec. 15, 2018. Coverage begins on Jan. 1, 2019.

Check with your employer if you get your health insurance through your workplace, because each company has slightly different open enrollment periods.

It can be super confusing in the best of situations … and when you're managing chronic health issues like asthma or allergic disorders, it can be even more so. 

AAFA has a great blog on , which can be super helpful!

Anything changing on your health insurance? What questions do you ask?

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  • Melissa G

    I won't find out about any changes until December 1st. sigh…hoping our deductibles don't change. 

  • Pljohns

    We got our changes Oct 1 and thankfully what changed was copays going DOWN.  I can actually afford my maintenance meds now (once I run out of samples that is).  SO GRATEFUL to have a company that has good insurance and the main benefit they offer us is they pay 80% of the premiums.

  • K8sMom2002

    Oh, man, Lynn! What a great change in the right direction! That's super!

    Will this cover ALL your meds? You were having trouble with some not being covered before, right?

  • Pljohns

    yes, it will now cover ALL of my meds.  Before. my main maintenance med was covered but applied to the ded and at over $1000/month for just that one, it hurt..  The total monthly out of pocket was over $2200.  The copay is now $30/month for each  of my maintenance meds and I have a copay card for one so it's now only $15.  Grand total of $45/month for ALL of my meds .  FINALLY affordable meds

  • Melissa G

    Marketplace deadline ends on December 15th! Do you still have any insurance decisions to make before the deadline?

  • Brenda Silvia-Torma

    We use my DH's insurance and so I'm scrambling to get all of my prescriptions refilled as quickly as possible this month. Next month we'll be paying for meds completely out of pocket until we meet our deductible. The first four months will be expensive…but after that insurance will kick in and we'll pay regular prices. I still don't understand how that can be considered insurance. 

    Brenda

  • Melissa G

    Yikes Brenda! That is a lot of money to be going through at the beginning of the year. 

  • LK

    Brenda,  That's like our insurance wouldn't cover my Spiriva Respimat and wanted me to use Incruse Ellipta.  The Incruse isn't on their formulary either but they said after we met our deductible then they would pay part of it.  Tried it for some months but it just didn't help me as much as the Spiriva so I have been getting the Spiriva samples from my pulmo's office.

  • K8sMom2002

    Just a reminder that the ACA Healthcare.gov deadline is approaching Saturday, Dec. 15 … The sign up can be a little tricky to navigate, so if this is your first time signing up and you need insurance, definitely don't wait until the last minute. I've had ACA Healthcare insurance in the past, and back then the phone customer service was very helpful. Hope it's still that way for all of those who still need to get coverage.

    Lisa, refresh my memory … are you eligible for a patient assistance program? I think Spiriva is made by Boehringer Ingelheim. They have the , so you might check to see if there's any discount program or assistance that you might be eligible for.

  • LK

    Cynthia, Thanks for mentioning this.  I don't think I am eligible but will look into it.  There was a coupon but it only applied if our insurance covered Spiriva and it doesn't.  

  • K8sMom2002

    Do you have a Kroger (any of their stores – Fred Meyer, etc.) pharmacy nearby? This that I read about this morning might be something to consider — I just looked up Spiriva, and it's one of the discounted drugs. It's saying that with the program, you'd have an annual savings of over $1200 on Spiriva. I'm not sure how it works … but it might be worth checking into. 

  • LK

    Oh, wow!  Thank you Cynthia!  I know there used to be Krogers around her ages ago. You are a wealth of knowledge!  

    Just looked up the Spiriva Respimat and the price quoted is very close to what my pharmacy charges.  It doesn't look like there are any of the Kroger stores anywhere near where I am.

    Thank you for posting this information anyway!!

  • Pljohns

    Lisa-do you have the app "goodRX" for you phone?  You put in the medication and it pulls all of the pharmacies in your area and gives you prices from each.  i've found it helpful over the years

  • LK

    Thank you, Lynn.  Yes I had looked at that one when I first started on the Spiriva.  Just looked again and the price is still very close to what my pharmacy charges.  Than you for mentioning it!!  

  • Kathy P

    Millions of uninsured Americans can get FREE bronze plans for 2019. If you or someone you love is uninsured: 

    Open enrollment ends in most states THIS SATURDAY, although a few states have extended deadlines:

    So if you haven't looked at your insurance options lately, now is the time to check and see if you're among the people who can get free coverage.