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H.R. 1270 – Restoring Access to Medication and Improving Health Savings Act of 2016

H.R. 1270 – Restoring Access to Medication and Improving Health Savings Act of 2016

This law is a new one working through Congress, and a lot of people haven’t heard about it yet. I want to bring it to your attention because it could save our family – and possibly yours too – a lot of money. The law proposes to modify the existing healthcare law, the Affordable Care Act, to allow the use of Health Savings Account (HSA) and Flexible Spending Account (FSA) funds for over the counter medications without a prescription.

How the Process Works Now

You can pay for over the counter medications with HSA and FSA funds now – but only if you have your doctor write you a prescription. To pay for your allergy medicine or headache medicine you need to go to the doctor every time you need more and have them write down on a prescription pad the medication is necessary. Then, you go to the pharmacy and have them “fill” the over the counter medication just like they would fill prescription medications.

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Prior Authorization for Medications

Prior Authorization for Medications

If you’ve dealt with getting a prescription filled at a pharmacy you may have come across this term at some point. When something requires prior authorization it means the insurance company must approve coverage for it before it can be purchased. Many children with feeding tubes run into this for acid reflux medications but there are other types of medications which also have these sorts of restrictions.

The mechanics for prior authorization can be extremely confusing because policies between insurance companies differ significantly. One company may approve a brand without any objection while it might be nearly impossible to get approval for anything else. If you switched insurance companies you might well find that one brand which was preferred before is almost impossible to get approval for once companies change.

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Mistakes and Five Tips to Avoid them or Minimize their Impact

Mistakes and Five Tips to Avoid them or Minimize their Impact

Everyone makes mistakes, and we all know that. We’ve been told a million times, “everyone makes mistakes, don’t beat yourself up over it.” That doesn’t quite help at the moment though, because the stakes are a bit higher than they’ve been in the past.

Forgot to turn on the pump last night? That’s less calories a continuously fed child is going to get, and it’s not hard to do. Even more common, your child rolls just the wrong way and disconnects himself from the pump. He doesn’t wake up because he’s exhausted, and you have no idea. When one of you finally wakes up, the bed has gotten all of the feeding and some stomach acid. You try to prevent it, but nothing is fool-proof. Besides, you can’t connect it too tight because it needs to release if your child gets tangled in the tubing!

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Your Child Looks too Healthy to Have a Tube

First, thank you. Unfortunately, it’s not that simple. If only getting to a low side of normal weight automatically made my son want to eat and drink enough to sustain himself. That would make everything so much easier. There’s something I need to share with you while we’re on the topic.

My child is healthy because of the tube. If not for the tube, he would still be off the bottom end of the growth chart. For the first year of his life he gagged on anything put into his mouth besides formula (and sometimes that too), so he wouldn’t have been able to take any medication. We suspect its because of his medication he eats what he does. He has all the behavior symptoms of GERD (gastroesophageal reflux disease) when left untreated.

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No Time to Slow Down

No Time to Slow Down

When Mom’s sick, everything keeps going. I know I’m not the first woman to mention this, and I won’t be the last.  It’s not very fun when you don’t have sick days. For the most part, you can always pop a pill and keep going, but the fatigue is overwhelming. Even if all of your symptoms are under control from medication, your body is still fighting something. It takes all of your energy you normally use for getting through your day and routes it somewhere else. You’re left with bleary eyes, sore muscles, and clouded thoughts. All the while, you need to figure out how much water you need to drink to stay hydrated if you knock back five or more cups of coffee on top of your illness.

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