Category Archive: Healthcare Reform

What is a Clawback & How it’s Affecting Your Prescription Copays

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Americans may be surprised to learn that they could be paying more for their medications with their insurance copay instead of the cash price available to those without insurance. A study published last week found that Pharmacy Benefit Managers (PBMs) undermine claims that negotiated “rebates” with pharmaceutical companies are passed on to consumers. This follows …

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Affordable Care Act Trumped

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Donald Trump, President of the United States, has taken steps to systematically change America’s health insurance system. He has failed on his promise to pass healthcare reform through Congress due to lack of support, mostly from the destabilization the American Health Care Act (AHCA) and Better Care Reconciliation Act (BCRA) would have caused for premium costs and …

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Children’s Health Insurance Program (CHIP) Expires

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Congress has allowed the Children’s Health Insurance Program (CHIP), which insures 9 million children in the United States, to expire. The program provided coverage for children in families making under 200% Federal Poverty Level (FPL) as well as to pregnant women. CHIP played a huge part in decreasing the rate of uninsured children from 14% …

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Understanding Health Insurance

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by Richard Sagall, M.D. Insurance is really a simple concept. But few people, and even fewer politicians, seem to understand how insurance works and why so many of the promises we hear are impossible. Here are the basic concepts of insurance:   Number 1 – You Never Win with Insurance – You always lose with …

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20 Years of NeedyMeds

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NeedyMeds is celebrating twenty years since starting as a website for those seeking assistance with the high-costs of prescription medications. In 1997, Richard Sagall, MD, and Libby Overly, MSW, MEd, both realized a need for a centralized resource for information on pharmaceutical Patient Assistance Programs (PAPs). Over our first ten years, we gained 501(3)(c) non-profit …

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