Did you know that there are many different ways you can get help with your Humira cost?
No matter your healthcare situation or income level, you can find a plan that works.
Treating arthritis can get expensive. There are doctor visits, time off work, and many other pricey factors when it comes to working with this long-term challenge. Fortunately, paying full price for Humira doesn’t need to be one of those challenges.
Here, we’ve put together the top 5 ways people get help paying their Humira cost. Read on to find out which one is best for you!
1.) Humira Protection Plan
One easy way to pay less for Humira is to sign up for the company’s card plan.
The Humira Protection Plan exists to help patients save money so they can afford their medication. Depending on your insurance provider, enrolling in this plan can lower your copay to as little as $5.
Enrolling in the plan is quick and easy – you can even do it online. Every time you need to fill your prescription, you’ll save money by being enrolled in the program.
You’ll get a physical card to keep with you, which is important to have for when you need to pick up your prescription. You’ll also be able to login to your online account whenever you need to.
Anytime you change insurance providers, pharmacies, or jobs, you can bring your card to the pharmacy to find out how savings work there.
2.) Low-Income Subsidy for Humira Cost
The Humira Protection Plan isn’t offered to patients who are insured by the government, such as those receiving Medicare.
However, you might qualify for a low-income subsidy as a Medicare or Medicaid patient, to help offset your Humira cost. This subsidy can reduce your copay to as low as $6.60 – or even less.
If your income falls under 100 percent of the Federal Poverty Level, you should apply for Medicaid and a low-income subsidy. This assistance will replace assistance through the manufacturer itself, such as the Humira Protection Plan.
3.) AbbVie Patient Assistance Foundation
Humira’s manufacturer, AbbVie, offers this assistance program to qualified patients. If you meet the requirements, you will get your Humira prescription filled for free.
This patient assistance program is based on income. To qualify, your income must be at 300 percent of the Federal Poverty Level or lower. When you apply, you’ll need to have proof of income available for every adult in your household.
You can use your paycheck stubs, statements from the bank, or a notarized employer’s letter that states how much you make. If you receive assistance such as Social Security or unemployment, you can also provide your award letters from those programs.
Another way to show proof of income is using tax documents, like a 1040 from the previous year or your tax transcript’s first page.
You’ll choose whichever documents are relevant to your unique situation and provide those when you apply. The application can be filled out using a form on the AbbVie website.
Print the form, fill out your portion carefully, then bring it to your doctor and have them fill out the rest. Then, you can mail or fax your application to AbbVie. They’ll respond in about two weeks or less.
4.) Patient Assistance Special Cases
If your income is a little above the 300 percent threshold, you can still apply if you are having trouble affording the Humira cost. Patients who make more than the limit are accepted into AbbVie’s assistance program sometimes.
To apply for this option, you’ll need to send them a letter that states what your medical expenses are, and the financial situation that prevents you from paying those expenses. Make sure you have your receipts of medical expenses at hand for proof.
If your prescriptions are covered under insurance but you are still having a hard time paying for it, you might still qualify for the assistance program. It’s possible that your insurance doesn’t cover your Humira prescription, or doesn’t cover it well enough that you can afford it.
This is another case in which you will need to send a letter with your application to explain that this is a special situation. You’ll need to send copies of the front and back of your medical card, as well as information about your insurance coverage.
5.) Flexible Spending Account
If you are insured through your work, there’s a good chance that you have a Flexible Spending Account (FSA) to help with your Humira expenses.
The FSA is an account that you pay into so that you can use it to help pay for healthcare costs later on. These accounts aren’t taxed, so you also save money on the taxes you aren’t paying when you pay into your FSA.
Some employers even make contributions to employees’ FSAs, too. One way FSA funds are often used is for copays on things like medication. So, for a prescription like Humira, you may want to use your FSA to offset the out of pocket costs.
Most of the time, the money in your FSA needs to be used within a year. So there is no reason to stockpile FSA money – instead, you should use it when you need to.
Some employers do offer limited carry-over options for the next year if you don’t use all your FSA funds. But if you have a Humira prescription, paying for it is a great way to put this account to good use.
Check with your employer to find out more about any FSA programs they may have and how they work.
Ready to Save?
With these options, you can save on your Humira cost no matter what income level you’re at.
There’s no need to keep paying full price for Humira when there are so many ways to lower your expenses. Talk to your employer, insurer, and pharmacy about which options are right for you.
Comparing costs and researching programs is one of the best things you can do for your health. Don’t let finances stress you out or get in the way of you receiving the care you need.
Another option to help you save is to compare drug prices online. Check out our prices on Humira and more prescription drugs you may need, and start saving now.