Re: Sharing RX medication to save $


tonywes...@xxxxxxxxx wrote:
> elgoog wrote:
> > > You jump to an erroneous and dangerous conclusion. I did not say
I
> do
> > > this. I don't share my meds.
> >
> > Neither. The familiar "you" was not intended to refer to you
> > personally. I apologize for my lack of clarity.
>
> Apology accepted. And I offer an apology for taking it the wrong
way.

That was really unnecessary, but it speaks well of you.
>
> > [...] The copay system is designed to introduce an element
> > of patient responsibility without introducing undue financial
burden.
> A
> > person who is not in need of cash assistance might have a $20
copay,
> > another person who is on cash assistance might have only a $2
copay.
>
> With private insurance, the co-pay (normally?) has nothing to do with
> your financial need. In fact, it's probably inversely related.

Financial need only comes into play with public assistance programs.

> This year, I selected my co-pay. To get a lower co-pay, I had to pay
> higher premiums.

True. But, in your case it is probably not a decision of whether or not
to eat, but whether or not to save for your children's college fund.
There are many who fall through the safety net, but public assistance
is supposed to fill in the gaps.

> > You're probably right. It probably does happen. Especially when one
> of
> > the patients is conning the doctor for purposes of drug abuse - in
> > which case, I don't have much sympathy.
>
> In that case, neither do I. But how about a father with four sick
> children and a big co-pay? If it meant the difference between
getting
> antibiotics for some of the child vs all of the children, would your
> sympathies be different?

If you would introduce me to him, then I would help him. I support
organized charities, but I am not a great believer in their
distribution systems. I believe in the person-to-person type of
charity. Anonymity tends to cheat the receiver of the right to feel
gratitude and the ability to express appreciation to a real person.
Meanwhile, giving money is impersonal and the giver is isolated from
the reality of the need as well as the very personal experience of
fulfilling a need. Nothing substitutes for personal involvement.

> > I appreciate your response in this matter. You have helped me to
see
> > that it may in fact be happening. People do stupid things
sometimes.
>
> For children, how much insurance they have is not their choice or
their
> responsibility. And if the children are unlucky enough to have
parents
> who are working but low income, without good insurance, they're the
> loser.

Yep. Our government has established the State Childrens Health
Insurance Program (SCHIP) to target helping children of low income
working parents who are uninsured. Unfortunately, it is a difficult
program to manage and cannot reach every child in need.

.

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