I’m sorry to hear that. I’m afraid if you get approved, it won’t be cheap to have individual health insurance with Anthem. Mainly because of the age and the fact that you are need blood pressure medication everyday.

You can try government sponsored plans like Medicaid. Do you have a job? Because many companies offer insurance to their employees.

Agent

Here you can find the best deals for your insurance in your area

Hope it helps you.

Multiple member LLC’s can be taxed 3 different ways:

1. As a partnership
2. As a C corporation
3. As an S Corporation

The deductability of health insurance premiums for your LLC will depend on which of the 3 types of entities your LLC elected to be taxed at (the default is the partnership form of taxation).

Typically, you will be able to deduct 100% of your health insurance premiums although there are some specials considerations for owner/officers of S Corporations who own more than 2% of the company.

If you speak with a CPA or qualified tax advisor they should be able to give you plenty of good tips. One thing that you may want to mention is a medical reimbursement plan. Here is some more detail on medical reimbursement plans:

I have read several places that a full course of Accutane treatment costs around $3,000 but that is just from random Web browsing, and I would imagine that the course you take depends on the severity of your condition and how well your respond to treatment. A couple of cautionary observations before I go on, though. First, Accutane is a “last resort” acne treatment because of its potentially severe side effects, so make sure you really need to take something like this. Second, a personal side note: I dated a girl who took Accutane and it made her very, very depressed.

It’s always been my opinion that before you think about how to pay for a medical cost, you need to choose who will take care of you, what treatment is needed, and go from there. Pick out a dermatologist you trust and ask them about plans they participate in and about costs. Then comparison shop for different plans until you find one that you like. Accutane is covered by many different insurance companies, so that should not be a problem, as long as your doctor says you need the treatment.

Try MostChoice.com. You can quickly compare plans and talk with multiple state-licensed health insurance agents without any pressure to buy anything from anyone. But first I would find out who you want to treat you because that will affect your choice of health plan; you’ll want to be sure that your health care provider participates with the health insurance you end up buying.

You can visit MostChoice here:

I’ve included a couple of links to Web sites about acne and Accutane. I thought the community there might be a little more useful for you than this general forum.

Hope this helps,

I’m not an expert on this, however I would suggest you take a tour here ,there are expert’s tips there.

Humana offers an individual plan in which you would pay a $50.00
copay for this drug if you are approved and no limitations are provided by underwriting department.

You will have to admit during application you have acne, though

Also, this plan is not available in all states.

Your Dad pays a monthly cost for the family to have health insurance, this is called the premium.
When someone in the family goes to the pharmacy to buy prescription drugs, they pay a copay for each time they buy a prescription drug. The amount of copay depends on the insurance plan purchased. Using your example, it would be $20 for each prescription.

Agent

Because that’s a risky and costly procedure, it may not be easy. Check the websites of the insurers - most of the big ones have them, and look at their formulary. (It’s a list of all the drugs they cover and if it’s preferred, it’s cheaper, if it’s not preferred, you’re going to spend top dollar.)

If it’s not a covered thing, you might able to prove medical necessity with help of your PCP and the derm. It’s not a guarantee, because if something is not covered by a plan, you can’t force them to cover it. You can show them it’d be cheaper in the long run if they cover it and hope for the best.

Good luck.

When you get health insurance, there is what is called a premium. This is the amount you pay on a scheduled basis. For instance, if you get insurance through your employer, you would pay your part of the premium each payday.

If you pay your premiums on time, you get to keep your insurance. Now, when you use your insurance, there is what is called a deductible. This is an amount of money you must spend before the insurance starts paying anything. A typical deductible might be $250/year for the policy holder and $500/year for the family. So, if your dad had the policy and went to get a prescription, if it was his first prescription of the year and it cost $100, he would pay $100. Every time he used stuff under the plan, he would pay everything until he hit the $250 deductible, then the insurance would kick in. (the same goes for the family coverage, until the $500 was met by everybody in total - not separately - you would pay 100%).

Now, once the deductible is met, the insurance starts picking up some of the costs…usually the costs are based on what doctor or provider you use. If you use someone who is called “in network” the insurance company pays more of the bill. They do this because they have negotiated lower costs with that provider. For example, let’s say you need to have some tests done and your family has met all your deductibles. Let’s also say the tests normally cost $200. If you go to an in network provider, the insurance would cover 80%. If you go out of network, the insurance might only cover 70%. Now the nice thing is, by going in network, you get the discounted price, let’s say $160. So, if you go in network, you would pay $32 for the tests and the insurance would pay $128 (totaling $160). If you went out of network, you would pay the 30% of $200 or $60 and the insurance company would pay $140. So, by staying in-network, both you and your insurance company save money.

Also, there is something called an out-of-pocket maximum. This just means that if someone in your family gets real sick or injured, the most you can pay for that year is the out-of-pocket max…say $5,000. Once you hit that, everything after that is covered 100% by your insurance and you don’t pay anything.

Last, there is a co-pay - what this means is that if you go to the doctor for a routine visit, it is usually covered without worrying about the deductible and you pay just the co-pay. usually this is $15 or $20 on say a $100 office visit and the insurance company pays the rest (based on a negotiated amount).

And that’s the short version of how insurance works.

That could be a difficult task, asides from sitting there and calling all the insurance plans around you can try contacting the company that makes it and see if it is one of the medications the patient assistance program covers.