Even if your insurer covers a drug, you may have to pay big out-of-pocket costs – especially for specialty medications. Many drug manufacturers have co-pay assistance programs to help with the cost of deductibles and coinsurance. These programs generally specify income maximums, but the cutoff can often be as high as 300% to 400% of the federal poverty level (about $65,000 for a couple or $98,000 for a family of four), or even higher for some pricey specialty medications, says Honora Gabriel, vice president of not-for-profit operations at the Lash Group, a division of AmerisourceBergen, which runs pharmacy assistance programs.
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