Generics are supposed to be the same formulation as the brand name.  Sometimes  different filler(chemicals for binding the drug,color) may be used.  This may cause you to feel the medication is not working as well.  There are several options.  You can ask to get the brand name. Your doctor will have to write on the prescription “No substitution” The insurance will probably label it a third tier drug which means , you will have pay most of the cost.  You can ask the pharmacist if there is the same generic medication manufactured from a different company.

I would recommend you ask your primary care doctor to see a pulmonologist.

These doctors specialize in the lungs and respiratory system.  They will be able to help with your asthma.

Generally, no.  The exceptions are for some reconstructive surgeries. For instance, breast reconstruction from a mastectomy. Burns or animal bites will fall in this category Most plastic surgeries are considered elective and not medically necessary. Surgeries for cosmetic reasons are not reimbursed.  Check with your insurance company before proceeding.

First, I am sorry  to hear this has happened to you.

I would start by calling your state department of insurance.  I would file a complaint.

Next, I would ask if your state has a high risk insurance pool.  This pool, although it maybe higher premiums, will cover you with any pre existing conditions.  There may be other state insurance plans that are not Medicaid.

Write your senator and congress people to get a healthcare law that eliminates pre existing conditions and dropping people from insurance plans.

First, always look for a doctor outside the practice or hospital clinic system which you are currently using.. Ask colleagues, family and friends if they have they can recommend someone. If you are internet savvy or have a friend who can help, do a search. You can search by the medical specialty in your area, or disease and treatment. You should be able to view credentials and any publications or research papers. I sometimes will call to get a feel of the office and possible treatment.

Check your insurance policy. Some policies have a coinsurance anywhere from 10-30% with out of network from 40-60%. It means you will owe the percentage amount of the bill until the out of pocket limit is met. If your insurance is through a business, contact either the HR Department or the designated person.

Yes! I always advise taking someone with you to take notes and be another set of ears. It is easy to forget what your doctor told you. I highly recommend a person with you, if you are going to receive tests results or are planning a surgery. Having support is important if you receive a new diagnosis or need to plan a surgery.

If you have concerns about a new medication, here are some things you can do to get answers.  Call the doctor’s office who prescribed the medication and ask for clarification.  You can ask to speak with a nurse.  You can call your primary care office and ask the doctor or nurse to clarify.  You can ask your pharmacist to do a review of your medications and if there are any interactions.  You can go on line to sites like

http://www.drugs.com/drug_interactions.php

www.drugstore.com

http://www.healthline.com/druginteractions

Out of pocket limit is the top amount you pay from your pocket per year.  Insurance policies designate the top limit. The insurance company decides what is included in the out of pocket limit.  It may include deductible and coinsurance  or it may designate the coinsurance only and the deductible separate.  Copays are not included in the out of pocket limit.  It is important when deciding on an insurance policy to know what the out of pocket limit is.