While shelving, I ran across Health Care on Less Than You Think by Fred Brock, the same guy who does “Live Well” and “Retire” on less than you think. I’m probably going to do a review, but am still in the process of reading. One idea, however, deserves a post in itself.
The trouble with antidepressant medications, you see, is that they’re chronic…you really have to keep taking them as long as you need them, which may be for years. And doctors don’t like to switch you from something that works to something generic that might not work (and some people question generic antidepressants).
So that’s a recurring expense in our budget. We got a card from YourRx.com (totally random, but it works for now) that lowered our costs by about $20/prescription/month, which was a good start.
Brock suggested looking into Canadian pharmacies, specifically CanadaPharmacy.com, to really cut prescription costs. I wouldn’t normally go with an internet pharmacy, but this one is legitimate (the book and other sources recommend them).
You have to actually mail them the prescription, apparently they have a doctor look it over and write you a Canadian one. Shipments come in 90 day supplies.
Anyway, with their prices we’d basically be getting 3 months for the price of two for the same brand that is so much more expensive here. But when you take out the YourRx.com card, we’d actually be getting 3 months for the cost of 1 1/2 or so. Which is an even better deal, though 3 for 2 is our real savings.
In health insurance news, Micah was approved while my doctor has to fill out paperwork. But, we’re using a HSA which means we have to pay prescriptions out of pocket until we reach the deductible. However, Micah’s got a prescription card now from Care First which may get him more off than the YourRx.com card did. In that case, we’ll have to run the numbers again. We’re going to talk to the pharmacy before the next refill comes due.
As has been noted below, the legal issues surrounding Canadian pharmacies are…hairy. It’s hard to sort through things, but from what I’ve been able to tell, the FDA is not currently planning to track down customers. Brock also admits this is a complicated area. On the other hand, you have states which actually tell their citizens that they may be able to get much better pharmaceutical deals through Canadian pharmacies online and actually give out info on which pharmacies have been vetted and how to find a good one….
scary photo by Mike Licht of NotionsCapital.com