Psoriasis treatments can be expensive, adding to the stress of managing a chronic illness. With a third of people with psoriasis facing challenges in affording their treatments, making sound financial decisions is essential. Here are some effective strategies for reducing treatment costs without sacrificing quality of care.
1. Explore the NPF Financial Resource Center
The National Psoriasis Foundation (NPF) offers a variety of financial assistance programs that may be right for you. Check out their Financial Resource Center to find programs for reduced-cost or free medications, especially for generic drugs. Some drug manufacturers even provide medications at no cost to those who need them most but can’t afford them.
Benefits:
- Free or reduced-cost medications
- Access to financial aid programs tailored to psoriasis treatment
2. Opt for Generic Drugs
Discuss with your doctor the possibility of switching to generic drugs, which are often significantly cheaper than brand-name options. Generic drugs may not always have the same potency as modern topicals, but they are a budget-friendly alternative.
- Ask for a Generic Prescription: Generic versions can cut costs significantly.
- Mail Order Savings: Ordering generics by mail can be more affordable than purchasing them at a local pharmacy.
3. Invest in a Home Therapy Unit
While purchasing a home light therapy unit may involve an upfront investment, it can be cost-effective over time by reducing the need for clinic visits. This saves not only on co-pays but also on travel expenses and time off work.
Advantages:
- Reduces long-term clinic costs
- Saves on transportation and time
- Convenient for managing symptoms from home
4. Shop Around for the Best Pharmacy Prices
Pharmacy prices vary widely, so take the time to compare. Call or visit different pharmacies to check prices, and don’t overlook online options which may offer even better deals.
Tips for Comparison Shopping:
- Call Local Pharmacies: Get quotes from a few nearby.
- Explore Online Pharmacies: Often have competitive prices, with options for home delivery.
5. Utilize Samples and Coupons
Finding the right treatment can be a process. Request samples from your doctor to try before committing, which can help you make informed long-term decisions. Pharmacy reps often leave coupons at doctor’s offices, so ask your doctor about any discounts available.
- Ask for Samples: Ideal for trial before purchase.
- Look for Coupons: Pharmacy reps may leave them at clinics, helping with cost.
6. Review and Switch Medicare Plans or Get Supplemental Insurance
If your current Medicare plan isn’t covering enough, consider switching during the Open Enrollment Period. Compare out-of-pocket costs for the coming year to see if changing plans or adding supplemental insurance is worthwhile.
Steps:
- Calculate Out-of-Pocket Costs: Analyze current and potential expenses.
- Explore Supplemental Insurance: To help cover extra costs.
Wrap-Up: Talk to Your Doctor
Always have an open discussion with your doctor about treatment costs. Many doctors are unaware of the financial burden their prescriptions might place on patients. If medication is too expensive, work with your doctor to find alternatives that align with your budget.
By following these steps, you can make psoriasis treatment more affordable, easing the financial stress that comes with managing a chronic illness.