Reducing Treatment Costs
often feel that they cannot afford the financial burden of caring for their
disorder. Psychiatry visits, therapy, medications, etc. can
add up to very high monthly costs. There are ways of reducing
these costs without impacting your quality of care though. Here
are some ideas.
insurances plans cover mental health expenses. If you are
unsure about your insurance contact your company for specific information about
coverage. It is important to find out the limits of insurance
coverage. Many plans limit items such as the number of
therapy visits in a year and sometimes there is a lifetime cap on certain items.
Health Providers - (Psychiatrists, Therapists, etc.)
and therapists often have a "sliding scale" of charges. They
rarely mention this unless specifically asked. They realize
that their services may be too expensive for some people so fees can often be
adjusted based upon a person's ability to pay. Remember
though that these people have their own financial responsibilities and therefore
deserve appropriate compensation for their services.
you live near a college than has degrees for psychiatry or one of the various
degrees used by therapists, then students (or interns) may be available nearby
at little or no cost.
and OTC Drug Cost Reduction
Slash Drug Costs Nonprofit Organization
are ways for people of any income level to reduce their total drug costs.
This site is a place where people share their methods for lowering expenses.
NOTE: New Beginnings does not advocate all of the methods given on this site to
cut prescription expenses. Any changes that involves using something other
than exactly what is prescribed should always be discussed first with your
you have a low income then possibly you qualify for certain public health
coverage such as Medicaid. In New Jersey there are plans to
help with prescription costs such as "Senior Gold" (which is not just
for seniors) and "PAAD".
Jersey's PAAD and Senior Gold programs
New Jersey's PAAD program will provides state-funded prescription
assistance to over 190,000 New Jersey residents. New Jersey's
Senior Gold program provides state-funded prescription assistance to nearly
30,000 New Jersey residents.
Rx4NJ, a Web site designed to help low-income, uninsured New Jersey residents
get free or discounted brand-name medicines.
Consumer Reports Best Buy Drugs
Consumer Reports Best Buy Drugs is a public education project of Consumers
Union, the publisher of Consumer Reports. Consumers Union is an expert,
independent, nonprofit organization whose mission is to work for a fair, just,
and safe marketplace and to empower consumers as they buy products and services.
NeedyMeds is a 501(3)(c) non-profit with the mission of helping people who
cannot afford medicine or healthcare costs. The information at NeedyMeds is
available anonymously and free of charge.
The Partnership for Prescription Assistance
The Partnership for Prescription Assistance brings together America's
pharmaceutical companies, doctors, other health care providers, patient advocacy
organizations and community groups to help qualifying patients who lack
prescription coverage get the medicines they need through the public or private
program that's right for them. Many will get them free or nearly free. Its
mission is to increase awareness of patient assistance programs and boost
enrollment of those who are eligible. Through this site, the Partnership for
Prescription Assistance offers a single point of access to more than 475 public
and private patient assistance programs, including more than 150 programs
offered by pharmaceutical companies. To access the Partnership for Prescription
Assistance by phone, you can call toll-free, 1-888-4PPA-NOW (1-888-477-2669).
people fill their prescriptions in a foreign country such as Canada to take
advantage of lower costs. It is important to know that this
is against federal law. You may spend your money on these
drugs only to have them seized by U.S. Customs. There also is
an increased chance of getting "counterfeit drugs" from some
or call 1-866-I-SAVE33.
is a program that several states are doing to help their residents reduce drug
costs and increase the safety of buying drugs from a foreign country. It should
be noted that the federal government also treats this program as illegal. The
program is called I-SaveRx. It is available and open to all Illinois, Wisconsin,
Kansas, Missouri and Vermont residents (other states are considering joining the
around for the best prescription prices can make a large difference.
Strangely enough, "Mom & Pop" drug stores often beat the
prices of major drug store chains. Sometimes super-stores or
"club" stores have better prices. Be careful if you
shop on the internet because it is easier to be defrauded.
companies often have programs to provide drugs at little or no cost to people
who cannot afford them.
List of Patient Prescription Drug Assistance Programs
pharmaceutical companies offer medication assistance programs to low-income
individuals and families. These programs typically require a doctor's consent
and proof of financial status.
you currently receive Social Security income then you may be covered by
Medicare. Remember that there are different types of Medicare
coverage for various purposes. It is good to talk with a
Social Security representative to get information about coverage.
Prescription Drug Coverage http://www.medicare.gov
Since January 1, 2006, everyone with Medicare, regardless of income, health
status, or prescription drug usage has had access to prescription drug coverage.
Health Care Expenses
Your Medicare Coverage http://www.medicare.gov/Coverage/Home.asp
Welcome to the Medicare Coverage section of www.medicare.gov.
This section provides information about your health care benefits in the
Original Medicare plan (sometimes referred to as "fee-for-service").
By searching this database you will find:
Some of the services and supplies the Original Medicare Plan covers;
The conditions that must be met for some services or supplies to be covered;
How often services or supplies are covered (limits);
How much you pay;
Who you can contact if you have additional questions;
Some of the services and supplies the Original Medicare Plan does not currently
With Living Expenses
Security Disability Insurance (SSDI)
Security Disability Insurance (SSDI) is a monthly benefit for people who have
worked in the past and paid Social Security taxes. SSDI benefits are paid to
people who are unable to work for a year or more because of their disability.
Security Income (SSI) http://www.ssa.gov/notices/supplemental-security-income/
Security Income (SSI) is a Federal income supplement program funded by general
tax revenues (not Social Security taxes). It is designed to help aged, blind,
and disabled people, who have little or no income; and it provides cash to meet
basic needs for food, clothing, and shelter.
With Legal Expenses and Advocacy
Unfortunately another need that can come from having a mood
disorder is legal help. Many lawyers will help people with
low incomes or disabilities for free or low cost.
Health Law Project of New Jersey
Health Law Project (CHLP) is a nonprofit advocacy and legal services
organization dedicated to serving the needs of low-income people with
disabilities in New Jersey. Their mission is to provide legal and advocacy
services, training, education, and related activities to persons with
disabilities and to organizations representing their interests, with an emphasis
on those most vulnerable and needy.
Jersey Protection and Advocacy, Inc. (NJP&A)
is the consumer-directed, non-profit organization that serves as New Jersey's
designated protection and advocacy system for people with disabilities in the
In partnership with individuals with disabilities and
their families, NJP&A works to protect and advance the rights of people
with disabilities. NJP&A provides information and referral and a broad
range of advocacy services, including legal representation in numerous cases
in state and federal courts.
County NJ Division of Disability Services
1-888-285-3036 (ask and you may get
referrals for other counties)
County NJ Division of Mental Health Services (609)
567-7352/567-7353 (ask and you may get
referrals for other counties)
County NJ Division of Vocational Rehabilitation Services (DVR)
856-614-2500 (They may recommend an attorney or ask and you may get
referrals for other counties)
Hall University School of Law - Center for Social Justice's Pro Bono program
(via the American Bar Association search site) http://www.abanet.org/legalservices/probono/lawschools/99.html
American Disabilities Act
General Description -
Any company with 15 employees
or more must make significant allowances for disabilities such as Depression
or Bipolar Disorder. Allowances are often made in other areas such as
public access and housing. The Federal government will handle your case
or legal resources listed above may do it.
EEOC (Federal - Equal Employment Opportunity
They will sue companies for you.
U.S. Equal Employment Opportunity Commission
Philadelphia District Office
Location: The Bourse Building
21 S. Fifth Street, Suite 400
Philadelphia, PA 19106
Director: Marie M. Tomasso
Regional Attorney: Jacqueline McNair
Office Hours: The Philadelphia District Office is open Monday - Friday
from 8:30 a.m. - 5:00 p.m. (No appointments are scheduled after 4:00 p.m.)
Please call first to obtain information or schedule an appointment.