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Post by Deleted on Apr 27, 2015 16:53:43 GMT -5
I'm wondering if anyone else's insurance has changed like mine has. Just about everyone I know personally has gone through this change, but, I'd like to hear from as many people hopefully representing a much wider scope here. Has your health insurance changed where you used to have prescription coverage, but, over the last year or two found yourself paying for medications as well as all healthcare needs (except the exclusions like physicals) through your deductible first before the 80/20 or 90/10 or whatever the split is in your plan actually kicks in?? I'm asthmatic and I take advair. Two years ago it was 70/month copay, no deductible. Last year? almost 300/month going through my deductible first, when that was exhausted, then there was the annual max amount, and THEN the 80/20 kicked in. After looking around and talking to people, I wasn't the only one. This year I went another route to obtain advair and I'm back to about 70/month again (canadian pharmacy). So the question is - I'm wondering how much change is going on in healthcare, specifically, how many of you out there are paying for medications out of pocket until your deductible and annual max is met BEFORE your plan kicks in?And for details, my wife and I are both professionals, have insurance through her work (a big and profitable defense contractor type company - they aren't hurting for profits), have our plan through cigna, don't have medical issues beyond asthma, migraines, and routine stuff. The plan is just a regular plan - nothing exotic. Had some health issues this year, but, the plan was the plan before those issues. thx! Oh, and how this relates to afrezza - costs to consumer. Sano is currently covering the cost by providing a discount card, but, once they roll that back I'm wondering how it will impact the consumer as it relates to coverage and deductibles and annual max amounts?! and no, I'm not making this up, here's some reading on the subject (just a quick google search yields a lot of info on this subject but here's a link anyways) www.dailykos.com/story/2013/10/08/1244896/-ACA-Understanding-the-details-Deducing-the-deductible-something-you-DO-need-to-think-about# |
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Post by Deleted on Apr 27, 2015 17:11:22 GMT -5
nope, cvs caremark is unchanged.
love the angle though. Why not talk about something positive about the stock/product instead of always looking for things that could suck about it. Seems to be a theme with you.
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Post by Deleted on Apr 27, 2015 17:50:46 GMT -5
nope, cvs caremark is unchanged. love the angle though. Why not talk about something positive about the stock/product instead of always looking for things that could suck about it. Seems to be a theme with you. That's probably the most understanding comment made in my direction. Thank you for that. I understand the upside. It's the upside potential that brought me to MNKD, it's the upside potential that has me invested in MNKD, and it's the upside that is keeping my position intact for the moment. It's what I don't understand that I spend my time on which immediately seems to translate into a "short" basher position. I think of it like driving my car on a long trip - I believe I'm going to get there safely, however, I spend most of time while driving making sure that happens! Am I negative about driving because I keep an eye and evaluate the hazards? I approach investing in much the same way. It's not what I know and can "see" that I'm concerned about. It's what I don't know and what I can't see. I would also add that I don't look at various aspects of my investments like MNKD as positive or negative, rather events and situations to dwell on, uncover, peel away at, and begin to understanding what's going to move the needle in either direction. As such my comments come off very negative. Any positive remarks are then translated as soft bashing or some other term/identifying label. I'm just "driving" my car as it where. Meanwhile, I'm simply working through what I perceive as potential threats to my investment. This process has saved me from more bad investments than I can recall anymore. It's also helped me endure hard-to-hold positions because I felt I had a good handle on the risks to my investment. I can't do the blind hopeful trust thing. I either know what I'm invested in and why, or, time to sell my position and move on. My particular "why" isn't about science or helping society (although I'm tickled that diabetics have this option now given how well it seems to work based on social media). My why is about dollars. That's why I invest my hard earned money in other companies. If I become a bazzillionaire, I'll give it all away to help society as a whole. Till then, I'll continue to apply a rigorous amount of scrutiny in every direction possible on everything I place my funds on. If this forum is focused more like a support group (keep it positive, only say positive things, avoid anything negative, etc), then maybe I misunderstood the focus. Admins - pm me if that's the case. I'll be glad to stop posting as it seems to bother so many folks here. |
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Post by Deleted on Apr 27, 2015 18:01:21 GMT -5
Maybe you should share some of the upside, along with your laundry list of downside, and then perhaps you wouldnt catch the flak that you do. We have shorts to tell us daily of all the downside. We know and understand it perfectly well. It doesnt need to be reinforced by someone who joined a month ago who cant bring himself to say a single positive thing about the stock hes invested in since hes joined. Maybe I'm overly skeptical or overly cynical, but I dont think so.
Noone around here is telling anyone else to hopefully and blindly trust whats going on, but folks tend to listen to others who are in the bunker fighting with them. Every topic you've brought up has had negative connotations brought with it, and forgive people for being human, but with the SP where it is, not many people are going to be interested in that repeatedly.
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Post by jpg on Apr 27, 2015 18:03:06 GMT -5
davinci, Nothing personal I personally just don't believe you are being honest that's all. Why do you need admins to pm you? And if you ' become a bazzillionaire, I'll give it all away to help society as a whole'. Like I said: I don't believe you. |
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Post by Deleted on Apr 27, 2015 18:13:05 GMT -5
davinci, Nothing personal I personally just don't believe you are being honest that's all. Why do you need admins to pm you? And if you ' become a bazzillionaire, I'll give it all away to help society as a whole'. Like I said: I don't believe you. Ok. I couldn't be more honest and direct. I state what I'm thinking as clearly as possible. If you don't like my ideas, ok. I don't need admins to pm me. I simply asked that if I'm on the wrong board, send me a private pm let me know and I'll be glad to move on my way. No need for public drama. |
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Post by Deleted on Apr 27, 2015 18:19:29 GMT -5
Maybe you should share some of the upside, along with your laundry list of downside, and then perhaps you wouldnt catch the flak that you do. We have shorts to tell us daily of all the downside. We know and understand it perfectly well. It doesnt need to be reinforced by someone who joined a month ago who cant bring himself to say a single positive thing about the stock hes invested in since hes joined. Maybe I'm overly skeptical or overly cynical, but I dont think so. Noone around here is telling anyone else to hopefully and blindly trust whats going on, but folks tend to listen to others who are in the bunker fighting with them. Every topic you've brought up has had negative connotations brought with it, and forgive people for being human, but with the SP where it is, not many people are going to be interested in that repeatedly. ah....ok. Maybe that's it. I'm not here to be in a bunker with anyone. I'm also not fighting anyone. I ignore both mad pumpers and crazy bashers because they typically say nothing. But when the SP is languishing or going south is exactly when I want to be armed with a better understanding of the risks and that's an investment approach I've subscribed to for many years now. Worked pretty well for me over the years but I didn't start out that way. I wonder how many here actually have a written list of positives and negatives with details on each side? Anyone actually review the balance sheet? Probably not many. Hopefully more than I think. While I have my list of positives, those aren't what concern me most and it's not where I spend the most time. But that's bleeding through and apparently annoying. Yeah, I'm on the wrong board. |
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Post by jpg on Apr 27, 2015 18:26:07 GMT -5
davinci, Nothing personal I personally just don't believe you are being honest that's all. Why do you need admins to pm you? And if you ' become a bazzillionaire, I'll give it all away to help society as a whole'. Like I said: I don't believe you. Ok. I couldn't be more honest and direct. I state what I'm thinking as clearly as possible. If you don't like my ideas, ok. I don't need admins to pm me. I simply asked that if I'm on the wrong board, send me a private pm let me know and I'll be glad to move on my way. No need for public drama. Why would there be a need for one poster to pm you? This and the ' if I become a bazzillionaire, I'll give it all away to help society as a whole.' is public drama. Stay and post if you want to but you never seem to do anything but question without answering those who take sometimes considerable time (like I did) to answer the questions you ask. I don't think you respond to those who try engaging you and it is not that I don't like your ideas but more that I doubt your (and hanks' ) sincerity. |
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Post by dreamboatcruise on Apr 27, 2015 18:28:12 GMT -5
Whatever changes there are, someone with a chronic disease like diabetes is likely to be hitting their max out of pocket regardless of whether it is treatment with Afrezza or the existing treatments. So I don't really see Afrezza as changing that equation. If you're suggesting that the overall market for diabetes meds will be significantly impacted by shifting more costs to patients, that seems a bit of a stretch as diabetes is probably one of the last conditions people would think of shortchanging their health to save money (though some might really have no choice), but to the extent that does happen I think the addition of more people to the healthcare rolls due to more gov subsidies would more than offset.
At the macro level of the amount spent on diabetes, I cannot fathom that doing anything but increasing. With the benefits of Afrezza, it should capture a sizable share.
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Post by Deleted on Apr 27, 2015 18:30:29 GMT -5
You want to discuss the balance sheet? Try me.
Although I'm sure it'll be angled negatively.
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Post by Deleted on Apr 27, 2015 18:39:12 GMT -5
You want to discuss the balance sheet? Try me. Although I'm sure it'll be angled negatively. Na. I didnt' say I wanted to discuss the balance sheet. Boring and dry and if you've reviewed it in detail it would benefit neither of us to discuss it so I have no interest. But I would hope everyone has taken a good look and understands it. Why would it have to be angled negatively? You don't know me yet you have no problem attacking me on a regular basis as if I'm the cause of all your problems. |
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Post by james on Apr 27, 2015 18:45:36 GMT -5
Whatever changes there are, someone with a chronic disease like diabetes is likely to be hitting their max out of pocket regardless of whether it is treatment with Afrezza or the existing treatments. So I don't really see Afrezza as changing that equation. If you're suggesting that the overall market for diabetes meds will be significantly impacted by shifting more costs to patients, that seems a bit of a stretch as diabetes is probably one of the last conditions people would think of shortchanging their health to save money (though some might really have no choice), but to the extent that does happen I think the addition of more people to the healthcare rolls due to more gov subsidies would more than offset. At the macro level of the amount spent on diabetes, I cannot fathom that doing anything but increasing. With the benefits of Afrezza, it should capture a sizable share. True, although the coverage tier may be different between medications for a given insurance and patients are definitely discussing the cost implications as a factor in choosing whether to use Afrezza. So, a list comparing coverage level for Afrezza to competing prandials would be useful to follow in this discussion, even if incomplete. I'm not sure where one would get started with that... |
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Post by jpg on Apr 27, 2015 18:59:58 GMT -5
You want to discuss the balance sheet? Try me. Although I'm sure it'll be angled negatively. Na. I didnt' say I wanted to discuss the balance sheet. Boring and dry and if you've reviewed it in detail it would benefit neither of us to discuss it so I have no interest. But I would hope everyone has taken a good look and understands it. Why would it have to be angled negatively? You don't know me yet you have no problem attacking me on a regular basis as if I'm the cause of all your problems. You seem to express that the fellow posters you want to join did not do their due diligence about the balance sheet but when offered to discuss you say it is of no interest. Then you come back to it again saying you hope people have taken a good look and understand it. You are being disingenuous at best. The more I read your posts the more I think you are playing us. |
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Post by mnholdem on Apr 27, 2015 19:05:23 GMT -5
As long as tier coverage has been brought up, I have a question for those with more experience. Now, while I can understand that some payers automatically place a new drug at a lower tier level at launch, how long do these new drugs typically have to stay at the lower tier? Until the benefits are fully known, which could take years? One year? Six months? Is there even a "typical" when it comes to Payers' coverages of new drugs? I ask the question as some patients are posting problems getting covered by their insurance companies. I hope Sanofi is diligently working with Payers to get the better tier coverage for Afrezza and that this jumping through hoops is typical of most new drugs. Note: I still have problems accepting the premise that human insulin is a new drug.  |
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Post by Deleted on Apr 27, 2015 19:24:26 GMT -5
You want to discuss the balance sheet? Try me. Although I'm sure it'll be angled negatively. Na. I didnt' say I wanted to discuss the balance sheet. Boring and dry and if you've reviewed it in detail it would benefit neither of us to discuss it so I have no interest. But I would hope everyone has taken a good look and understands it. Why would it have to be angled negatively? You don't know me yet you have no problem attacking me on a regular basis as if I'm the cause of all your problems. So you question people's knowledge of the balance sheet and when I challenge you on it you call it boring? Ok, I get it now. |
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