Insurance won't cover my treatment :(

I was just informed by my adjuster that the "delay" in our reimbursement is because our insurance doesn't want to cover my Remicade, Lialda or Imuran. Apparently, I have a maximum of $400.00 a year for meds.

After 12 years of paying for this insurance policy, and NEVER having claimed a penny, I am really upset. Not to mention we've paid $15K out of pocket so far, between doctors visits and Remicade infusions.

I'm trying to focus on the blessings received: I'm finally in remission, and we've been able to afford it, but still..... makes me want to cry! I cannot begin to describe the despair I feel.

We're looking at a lifetime of expensive treatments, and it just seems so unfair to have to deal with this on our own, after dishing out over $75K to pay for insurance after all these years. Just goes to show they always get you in the end. Always read the fine print.

$400 a year for meds? Were you not told this? How were you not informed of this for all these years? That is absolutely shocking. In our hospital we had to have insurance approval before remi was given. I'm so sorry but I do believe a lot of these companies including centocor have patient assistance programs. It might be worth trying them. Do you live in the US? In Canada there are provincial programs which assist with this type of situation but not sure where you are. I'm so sorry, that's terrible.

Beth:
It's $2000 for each Remi infusion, because I only need two vials. I won't be gaining any more weight though, because then I'd need 3 vials :( I'm very fortunate that medical costs are very reasonable in this country. My doctor charges me the equivalent of $80 to administer the infusion, and the hospital bed is another $80 for the morning.

Thanks ItsAlwayssomething:
I don't live in the US. Since I don't work, I don't have social security, not that they would pay for for the Remi anyway. Thanks for the suggestion about contacting the company that makes the meds. I already get a very small discount on my Lialda prescriptions, through a discount card I found. I can't get a discount for the Remi though because it is sold through a distributor. I do get a slight discount on that when I pay for it cash.

Killcolitis:
It's been 12 years since we purchased the insurance. In that time the coverage has changed, we're still trying to sort this out. The company I'm with is called Bupa (used to be Danmark).

The ironic/sad part is that if I had had cancer, it would have covered me 100% :(

I live in Guatemala, Central America