NPR

When Insurance Won't Cover Drugs, Americans Make 'Tough Choices' About Their Health

With drug costs on the rise — and insurers refusing to cover some prescriptions — even patients with insurance can find themselves facing high out-of-pocket costs or going without.
Source: Jesse Zhang for NPR

The majority of Americans have health insurance that includes coverage for prescription drugs. But unfortunately that doesn't ensure that they can afford the specific drugs their doctors prescribe for them.

In fact, many Americans report that their insurance plans sometimes don't cover a drug they need — and nearly half the people whom this happens to say they simply don't fill the prescription. That's according to a poll released this month on income inequality from NPR, the Robert Wood Johnson Foundation and the Harvard T.H. Chan School of Public Health.

It happened to Sally Radoci, a retired medical secretary who lives in Baltimore. She's 78 and on a fixed income, and she suffers from acid reflux.

"I have to eat very small meals, and when I eat, sometimes it feels like everything's stuck in my chest and I get really bad pain and then I have to throw up."

Radoci has Medicare, but she also pays for two supplemental insurance policies, including one that covers the cost of drugs. When she was

You’re reading a preview, subscribe to read more.

More from NPR

NPR2 min readWorld
Housing Costs Keep Inflation Stubborn; New Report On Maui Wildfires Released
Inflation is proving stubborn this year, and the cost of rent may be to blame. Hawaii's attorney general has released the first report into last year's Maui fires.
NPR3 min read
Dickey Betts, Founding Member Of The Allman Brothers Band, Dies At 80
The influential guitarist, songwriter and singer was best known for the song "Ramblin' Man." Betts's blues, rock and country-influenced guitar style helped define Southern rock in the 1960s and '70s.
NPR4 min read
Wildfire Smoke Contributes To Thousands Of Deaths Each Year In The U.S.
Two new studies show the unseen toll smoke is taking on people across the country. Climate change is likely to make the problem even bigger.

Related Books & Audiobooks