Wait, How Much?

The other day I did some investigating in regards to the monthly cost of the various medications that I’m prescribed, for the injury/disability that is currently covered by my workers comp claim. It’s been quite a while since I’ve given it much thought, but man… now that I see the numbers… damn. 😧 These are the prices that I would pay if I had no insurance, and was paying for my prescriptions with cash.

  • Medication #1” – Brand Name: $284.99 / Generic: $73.59
  • Medication #2” – Brand Name: $1314.99 / Generic: $535.99
  • Medication #3” – Brand Name: $996.99 / Generic: (N/A)

So with those figures… add in the monthly office appointments, the potential tests or procedures that I might need to have in the future… and you can see how I’d be a bigger financial burden to my WC insurer than one might originally think. (And it sure makes these settlement negotiations feel a whole lot more significant to my future.)

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“Wake Up, Case 1485729-4”

Fell asleep around dawn and then was awoken by a phone call from one of my attorneys a few hours later. 😒 We’ve got quite a bit of outstanding issues right now, and after the long weekend I could almost feel this call coming… so much so that I didn’t turn my ringer off, since I did need to talk to him.

This entry might as well be titled “What Else Is Wrong?” since, in part, it’s essentially going to be a sequel to my most recent post. As you may or may not know, I try to keep my online presence as free as possible from a) bitching about my pain/disability, and b) talking about specifics of my workers comp case. Partially out of pride, partially because nobody really wants to hear about it anyway.

I’m not sure I even remember what I used to be like before all of this dominated my life. I know it’s not pleasant now, to put it extremely mildly, and I know it’s a constant pain in the ass… so even though it’s hard to remember, I do miss the time when my life was my own and I wasn’t being led by the nose through by doctor visits, IC hearings, physical disability, medication requirements, mental stress, pharmacy policies, insurance companies, and now actual an actual court case. 😞

I’m just frustrated because we’re less than two months away from the court stuff starting and so far the settlement stuff is going nowhere. 😕 Their side will submit their brief to the court, my side will have a few weeks to reply, and then it starts getting serious. The court will likely want to depose any doctors that have seen or treated me, on both sides, which means I’d have to hope that I could essentially “rent” my doctor for half a day to give testimony – which would be ridiculously expensive. 😣 (Not to mention ridiculously annoying since he’s already submitted report, after report, after report, in writing.)

So my attorney is going to find out how much they’ve paid each year, on average, for my treatment and medication – and then tomorrow or the next day, when I go to the pharmacy to pick up this month’s meds, I’m going to have them print out what the “out of pocket” cost would be for each medication if I was paying for them with no insurance at all. 🤓 With those figures we’ll again try to come up with what we believe is a fair settlement, and then they’ll have to decide if the continuing costs of fighting me are worth it – rather than just settling this and making me go away.

I’m just worried that we won’t be able to get this done before the date of the first hearing. I’m sure it’ll be (us) “Here’s our offer.” followed by (them) “Well, that’s nice, but this is what we’re willing to pay.” followed by (us) “C’mon, get out of here… we need at least (this much)” and then (them) “We’re gonna have to think on this.” with (us) “Well we’re gonna have to think on this too.” Heh… so I don’t know what the odds are of avoiding this court case at this point, but I’d think they are slim.