Ian, Age 12
Having better coverage will will certainly lower our costs. To have to pay escalating insurance premiums plus the cost of formula and foods is outrageous. No child or adult with a metabolic disorder should have to go without these items due to cost. Currently I pay $1700 per month for our insurance premium. My sons formula is covered aside from a $70 copay as it is considered a pharmacy benefit. All the years prior to this on different plans, formula is DME, so on top of paying the insurance premium, I would have to pay out of pocket for formula until deductibles were met. So this would be about $600 per month then lower to 20% of that amount. On top of this cost, I have to buy specialty foods amounting to about $200 per month plus regular grocery store items for my son, fresh fruits and vegetables. Plus groceries for rest of family. My son will then age out of coverage per current policies. I worry about what will happen, will he have an occupation that will allow him to manage the cost?