JNF said...
Two things from an earlier comment tha I just e-read.
First, he isn’t disabled and he can not just choose to be on disability whether salaried or not. You don’t “just sign up”. Doesn’t matter on his intentions, he is actively working and no doctor will sign off on a disability due to his present state. It easy to read your employee benefits handbook to see the definition of the disability. If he met the definition of disability, he would not be at work presently.
Secondly, I would seriously question a non-professional administering their own Lupron shots, or having a non-professional family member or friend do it. I find that advice alarming. Well trained nurses and doctors administer these shots. This isn’t the same as a self administered insulin shot or a poke of Neulasta that is specifically designed to be self administered. Stick with your doctor and get the first shot administered. Be safe, above all. And as for a three month Lupron depot costing $30.00 at your pharmacy, I seriously doubt that. But call them up and see. Or call the pharmacy the other poster referenced. When you look at all the pharmacy providers on line you will see the depot kit is more like $1,750. Also you can call the manufacturer directly for possible assistance, but with insurance that covers the drug and professional administration, such assistance is doubtful.
Regarding COBRA, in the event he loses his job, it continues the exact same health insurance coverage you have now, just at a higher cost, for up to 18 months. I hope you are prepared financially for a job loss and also hope he has started a job search outside his company. These are troubling times in general, and more so for some people in situations like this.
The approach of starting the ADT and then have the radiation therapy is a very sound, effective and proven method. Get it started. The treatment cost to you throughout will not change with a job loss since your coverage will be seamless. Premium costs will go up, but you have the legal assurance of future coverage the same as you have now.
Best wishes.
Our local urologist will administer the injections. We have a previously scheduled appointment with him on Monday and as of now, they are still seeing patients. We are waiting on a call as i type this from the RO’s PA to discuss that process. What makes this interesting is his treatment at MDA is covered 100%. There are no out of pocket costs to us. I do not know if the Lupron would fall under that under normal circumstances. Is it considered a regular prescript
ion or is it considered treatment? We can’t go to MDA right now. They are not scheduling appointments.Not to mention there are checkpoints set up between Louisiana and Texas with Texas imposing a mandatory 14 day quarantine for travelers from Louisiana. (Now how they actually enforce and monitor that is a different discussion).
As for his work...that is also a conversation for a different day. There are a lot of things up in the air. I’m very familiar with Cobra/state continuation. I can add him to my insurance for a lesser premium than his policy but we looked at the numbers and with the program he’s on with MDA with no co-pays, deductibles, or any out of pocket cost, it will make more sense to keep his policy for the duration of his treatment at MDA. Thankfully we are well situated financially and he will receive a decent severance package (from what we’re hearing). We definitely need this virus crap to go away and soon though! It has majorly impacted my business. But I’m pretty confident we will financially weather this ok.
Post Edited (star0210) : 4/8/2020 4:01:57 PM (GMT-6)