Friday, December 17, 2010

Economical Update for 2011

Two Alzheimer's medicines have almost bankrupted us. Not taking them is not an option. See Research.

"The combination of the current symptomatic treatments for Alzheimer's disease improved the patients' quality of life, since those who used concomitantly cholinesterase inhibitors -- donepezil, galantamine, or rivastigmine -- and memantine had a diminished risk of institutionalization compared to those who used no medication or used cholinesterase inhibitors alone." -- Dr. O. L. Lopez, University of Pittsburgh School of Medicine
I once e-mailed Dr. Newport (lady who introduced me to coconut oil) and she said to not discontinue either medicine as we continue with the coconut oil. I was not consistent on the Exelon Patch and that is when we went to Exelon pills. DH has to eat when he takes his twice-a-day Exelon pills or he will vomit.

Does Prescription Solutions from the AARP plan really help save in the new year? Absolutely not! For several years we have been going beyond the donut hole and into catastrophic coverage for my husband with them. One recent year when we maxed out our credit cards due to prescriptions from AARP, we used the line of credit on our house to pay off the credit cards. We are about to do that again and I do not want this. We have until December 31st to decide.

We went with WellCare at 1-888-888-9355. Gene was great in helping us. Got our new cards. They are excellent. However it meant a change in doctors, but much more savings.

Wait folks. News just in! In the dash for the best plan for 2011 by December 31st, an insurance representative Ned called. I research and listen to all possibilities and it is not yet December 31st. Possibly we could keep the same doctor. He took time to see us last Saturday. We didn't go with his plan that would keep my husband's current doctor, however, because Ned had a different idea--a plan with a higher amount until we would go into the donut hole ($3500  compared to $2840 with WellCare). Preferred Care Partners, Gold Plan, at 1-866-231-7201. They also offer dental coverage and eye coverage. I visited the local doctor's office and chose another doctor for us, unfortunately not keeping our same doctors, but bringing those other fabulous benefits.

All we save a month that we used to spend on the AARP plans (over $400) a month, we can use to pay down our credit cards and not go into our line of credit on the house. Thank you Lord, for answering prayers from the women at church who were praying about this and for the rest of you in blogland who pray for us.

Oh God, I beg two favors from you;
let me have them before I die.
First, help me never to tell a lie.
Second, give me neither poverty nor riches!
Give me just enough to satisfy my needs.
For if I grow rich, I may deny you and say,
"Who is the LORD?"
And if I am too poor, I may steal and thus
insult God's holy name.
Proverbs 30:7-9, TLT-- What I heard today on The Daily Audio Bible,
my third year going through the Bible with this podcast. 


  1. I'm so happy for you that you found some good and knowledgeable people to give you information on this complicated subject. So many of the drugs are so expensive, and it's so overwhelming trying to find the right insurance program to help with the expenses.

    I hope you all are having a good week.

    You have a lot of excellent information on this post.... thanks.

  2. Praying for you. I have been there and done that with insurance plans. Thanks for all the info. And you inspire me too. Thank you and Merry Christmas !

  3. God is good!
    I hope 2011 has many great blessings in store for you and your husband!

  4. God is the only one who can help you anytime. .Yeah His good all the time, praise God

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