But the most research from The AIDS Institute shows that all 14 carriers participating in Florida’s Affordable Care Act Marketplace are applying some form of accumulators for prescription drugs. My family’s plan, which most Floridians also have, is Florida Blue. Essentially, it allows them to pocket the assistance that patients are given through charities or drug manufacturers, and still charge us for the same amount. But my insurance plan is also utilizing a tool that harms patients like me – called copay accumulators.įor years now, insurance companies and pharmacy benefit managers have added language into health plans that allow them to deny third-party financial assistance towards a patient’s deductible or out-of-pocket maximum. My health insurance is one of the reasons that I am still alive today. But more than that, it allows me to be present with my family and continue to pursue my passion advocating for other chronically ill patients. This medication keeps me alive and is considered a life-sustaining drug – any interruption in the treatment is high-risk and can be fatal. My continuous-infusion pump medications costs over $20,000 per month without insurance and is considered one of the most expensive drugs on the market. And while every person’s healthcare journey is different, we all face a common daily problem: Affording treatment. In that moment, I joined millions of Floridians who have been diagnosed with a chronic disease. After experiencing months of long episodes of coughing, dizziness, chest pain, and nearly fainting, I was diagnosed with a rare disease called pulmonary arterial hypertension in September 2018.
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