posted
Thank you to all of the lymenet frequent contributers. I'm amazed at how much invested interest you have in helping others.
My Question: Since there a so few llmd in Ohio it's looking like we may have to go outside of our insurance network (which only pays 70%). I realize each case and treatment is slightly different but can you give some input as to how much out of pocket money is common?
Thanks in advance for you help.
Posts: 13 | From Ohio | Registered: Dec 2008
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My visits are every two months at 175.00. Some of the tests were covered though. But worth every penny. Had i not gone to this LLMD i doubt i would be typing this right now.
Good luck, Dave
Ps i'm on oral therapy which insurance is covering so far. 38.00 for 2 months of biaxin.
-------------------- On my journey to wellness - One day at a time. Posts: 989 | From NJ | Registered: Sep 2008
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lymednva
Frequent Contributor (1K+ posts)
Member # 9098
posted
My insurance pays 70% out of network also. Even before I had Medicare my office visits were not much more than co-pays would have been.
I also had a doctor who had a clue, which made it worth the extra $$.
I also have good rx coverage and my out of pocket drug costs for orals are much less than if I had to pay out of pocket for them all.
I also have an out of pocket max per year on rx's, which I meet toward the end of each year. Then I get my meds free until January 1!
I am on a ton of meds for various things like pain, sleep, and NMH, so that does drive up the cost.
It depends on how many other symptoms need to be treated to provide you with a reasonable quality of life.
I found that lying down all day every day was really not an option, especially being single.
I also was not sleeping and in excruciating pain, so I had to address all that before I could think about treating Lyme.
-------------------- Lymednva Posts: 2407 | From over the river and through the woods | Registered: Apr 2006
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posted
My LLMD charges $200 per visit. My insurance reimburses about $110 of that (after I meet the deductible for the year). I see him about every 2 months.
Nearly all of the labs are covered fully, or with a small co-pay. The IgeneX tests were barely covered at all, sadly. I think I paid around $300 out of pocket for those.
My insurance has good prescription coverage. So far I'm only on oral meds (no IVs), so I'm paying just the $10 or $20 copay for each prescription. All of my prescriptions add up to at least $100/month (some are not for Lyme).
Supplements are the real money-eater. I try to buy in large amounts to get better pricing. And I price compare online to get the best deal. For example, I found a website where I could buy a 5 pound bottle of d-ribose for around $160. Normally you pay $50 for a 10 ounce jar!
Still, even with careful shopping, supplements will eat away at your wallet. My LLMD is very aware of this and tries to work so that I don't break the bank on stuff that might not help so much.
Posts: 398 | From By the Salish Sea | Registered: Dec 2008
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