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Paying out of pocket

Deciding to stop, on cost, with no drama

Started 24 February 2025 · 19 replies · 211 hearts · read 2k times

NadirCasablanca, MA · 24 February 2025
1.4 years ago

Deciding to stop, on cost, with no drama Writing it down partly to work out what I actually think.

I have a letter in front of me and I do not know what it actually says.

I have not asked about the cost side at any appointment because I was embarrassed, and I have now worked out that this was expensive.

Money post. No apologies, this circle is for it, and I would like actual figures rather than reassurance if anybody is willing.

The total across a year is a much bigger number than the monthly one and I have only just made myself look at it properly.

Thank you for reading. I know money posts are uncomfortable and I would rather be uncomfortable than stuck.

70

PeronelCanterbury, UK
#1

My review appointments cost money too, and building those into the annual figure changed my sense of the total considerably.

12

IlyaAlmaty, KZ
#2

Something practical: I set up a separate account for it, which sounds excessive and means I always know where I stand.

11

PetraFacilitatorMelbourne, Australia
#3

Stepping in to say that keeping every reference number is the single most repeated piece of advice in this circle's history, and it keeps being right.

24

LlianCarmarthen, UK
#4

Reading Petra, I recognised more of that than I expected to.

I stopped for cost reasons once and I want to say plainly that stopping for money is a legitimate reason and not a failure.

9

ZoëHackney, UK
#5

What Llian described happened to me too, in a slightly different order.

What I found is that the cheapest route was not the most reliable, and I paid slightly more for something that did not run out.

7me too 2

OttoPrague, CZ
#6

My honest position is that this is expensive and I have chosen it, and I do not need anybody to reassure me about that.

11

KateBelfast, NI
#7

Something I got right was deciding in advance what I would do if the cost rose, so that I was not deciding it in a difficult week.

8

GavinDundee, UK
#8

The pharmacy price varied more than I expected between places, and one phone call round three of them saved me a meaningful amount.

13

SaffHastings, UK
#9

Gavin, thank you for that. It gives me somewhere to start from.

The comparison shopping is worth doing once a year and not worth doing every month, in my experience.

8

GwennoPwllheli, UK
#10

I found that being honest with my partner about the number was harder than the number itself, and better once done.

6

MoBradford, UK
#11

Read, understood, and glad you are here.

10

NadirCasablanca, MA
#12

Gwenno, thank you for that. It gives me somewhere to start from.

The thing nobody mentions is the ancillary costs, which in my case added up to more over a year than I had allowed for.

13me too 5

PeronelCanterbury, UK
#13

What Nadir described happened to me too, in a slightly different order.

What helped was somebody here being completely frank about their own numbers, which gave me permission to look properly at mine.

8

IlyaAlmaty, KZ
#14

I would gently say that if cost is about to force you to stop, talk to your prescriber first. There were options in my case.

10

HettieLancaster, UK
#15

Gently disagreeing with Peronel, or rather adding the other half of it.

What I would say is have the cost conversation. Mine produced two alternatives and neither had been mentioned unprompted.

5me too 2

LlianCarmarthen, UK
#16

I keep a small buffer specifically for this so that a bad month does not force a decision I would not otherwise make.

12

ZoëHackney, UK
#17

The thing I underestimated was how the cost affects the decision-making. I was reluctant to raise problems because of what a change might cost.

9

PetraFacilitatorMelbourne, Australia
#18

Holding a boundary: we do not compare what people can afford in this circle, and we do not compare what they have chosen to spend it on.

22

KateBelfast, NI
#19

Coming back to what Zoë wrote further up, because it is the bit I keep thinking about.

My experience is that this got easier once I had a plan for a year rather than reacting month to month.

13