This week is Thanksgiving in the United States, marking the beginning of the holiday season. The holidays are a great opportunity to enjoy being with loved ones, but they are not without their demands. Physical, emotional, and mental stress can accompany the holiday joy and can make everything a little harder for those already experiencing difficulties with their health. We at NeedyMeds have tips for staying healthy during the holiday season. Travel safely. Last year we shared a blog with tips for traveling, especially for those travelling with a chronic illness. Whether traveling by car or by air: plan ahead, […]
Category: Health
Transgender Awareness Week
Transgender Awareness Week falls between November 14-20 every year and is meant to help raise visibility of a vulnerable and underserved community. ‘Transgender’ is an umbrella term for people whose gender identity is different from the sex assigned at birth; ‘gender identity’ is one’s innermost concept of self as male, female, a blend of both, or neither. Transgender and gender-nonconforming people can face significant problems with accessing health care. Finding a healthcare provider who is knowledgeable of transgender health issues can be a hurdle itself; some healthcare professionals may believe that there is something wrong with someone because they are […]
What is a Clawback & How it’s Affecting Your Prescription Copays
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 a federal lawsuit filed over the summer after a California woman paid a $164 copay on a medication that can be purchased for $92 from the same pharmacy by anyone not using insurance. This practice is known as “clawback” and is instituted by PBMs who […]
Children’s Health Insurance Program (CHIP) Expires
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% in 1997 to 4.5% in 2015. By taking no action to renew the program before September 30, 2017 the U.S. Congress allowed the program to lose future funding, putting millions of American children at risk of major health complications from ordinarily treatable conditions. CHIP covers […]
Understanding Health Insurance
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 insurance. Think about what happens when you have health insurance. Outcome 1 – You get sick, perhaps really sick, and you suffer while ill. You may experience long-term or even permanent disability from your illness. Or, in the worst case, you die. Your health insurance helps […]