I did find this website that may or may not be able to help you. None of this helps for this year but may help for next year. I would matrix it out in a spreadsheet so you can see which one is best for you if your company does not have a software package on their benefits site that does that for you. You usually have a separate deductible for medical and pharmacy and do not have a max out of pocket for the year. If your company offers an alternative plan where you continue to cost share throughout the year you generally have a deductible and then pay anywhere from 20 to 40% depending on the plan. I know a friend whose little girl had leukemia and they went with the high deductible plan with our company because the out of pocket costs for them was a total of 5000.00 per year compared to the year previously of 17000.00 under our other plan. For someone who has high health care costs each year then the out of pocket costs for this plan and the lower payroll deductions actually end up costing the employee less. The employee costs for this plan is usually significantly less than for any other plan because you shoulder the major burden for health care for the average person. In this plan all pharmacy costs apply to your deductible and out of pocket expenses and once they are met you are covered 100% for all other care (medical and pharmacy) which could work to your benefit if you are single but for a family I believe it is much harder to meet the deductible and out of pocket expense max. One thing to consider for the high deductible plan is that you have to meet the deductible before any coverage kicks in and then they pay a percentage until you hit your out of pocket max. I have issues with that due the rationale behind that decision but that is another discussion.Īs we are coming up to open season I would look at what your company offers for plans. Aetna (and CVS/Caremark which is who they use) specifically does not allow the co-pay assistance to count towards your deductible or out of pocket expenses which ends up negatively impacting patients. For your company or if you cover your family as well that deductible or out of pocket could be significantly higher than mine. It's the rest of us that will continue to pay.ĭo you have a cost sharing plan (80% company/20% your cost after deductible) or the high dollar deductible insurance plan through you company? With my company it is better for me to have the high deductible plan as I am the only insured so I have a 1500 ded with 2500 max out of pocket expenses high deductible plan which means that I am only out of pocket 2500 each year. Sales of Enbrel in the United States last year amounted to $4.807 billion for Amgen."Īnd yet Amgen is trying to gets it's own bio similar of Humira to market.And the one with the best lawyers will win. Sandoz’s ErelziTM (etanercept-szzs) was approved by the FDA as a biosimilar to Enbrel on August 30, 2016, but Erelzi has yet to launch in the United States due to pending patent litigation. Eticovo is the 19th FDA-approved biosimilar and the 2nd FDA-approved biosimilar to Enbrel. Like Enbrel, Eticovo was approved across five eligible indications for the treatment of rheumatoid arthritis, ankylosing spondylitis, plaque psoriasis, psoriatic arthritis, and polyarticular juvenile idiopathic arthritis. Eticovo is a biosimilar to Enbrel® (etanercept), which is marketed by Amgen, Inc. Food and Drug Administration (“FDA”) approved new biosimilar product EticovoTM (etanercept-ykro) by Samsung Bioepis. I had heard both drugs had been FDA approved, which, upon further reading, apparently doesn't mean much if the maker of the original drug ties the biosimilar makers up in patent court forever. I NEVER WANNA PAY $1,700 bucks for my medication for my psoriasis symptoms!!! There’s always something wrong and something right. I dunno know how they could do that to you when you are in pain and suffering with your Psoriasis? The Savingsprogram is $5.00-$25 a month, if you qualify. And Skyrizi has an amazing website and Copayment Plan and a Nurse to help you. It’s more better and many patients are using Skyrizi. Hmm? Aetna is popular and can help take care of your copayment. And in order to treat your Psoriasis and Psoriasis arthritis you gotta switch to a more powerful and Affordable meditation and plan. I feel Enbrel is not right for you anymore. I used to have Aetna insurance too back when I was younger under my father’s health insurance plan. Because you have Aetna that insurance plan sounds cheap. Hi I’m sorry about that has happened to you.
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