Humira is an immunosuppressive drug that helps people with Crohn’s, ulcerative colitis, plaque psoriasis and arthritis. To start taking Humira, a prescription from a provider is needed. According to one source, Humira can cost $5,168 per month in 2020. You can get a Humira Copay Card to help reduce the costs of this drug.
Here is what we will cover in this guide:
- What is a Humira Complete Savings Card?
- How to get a Humira Complete Savings Card
- Am I eligible for Humira’s copay card?
- How to afford Humira on Medicare
What’s a Humira Copay card?
If you are eligible for a Humira Complete Savings Card, you may be eligible for “instant savings” that appear to knock the cost down to $5. If your pharmacy has difficulty processing the “instant savings”, you may have to pay upfront then get a “rebate” for the amount you paid.
If you’ve ever used a GoodRx card to help with pharmacy costs, this card is similar. Because it is such an expensive drug, they have rebate programs that help offset the cost. The Humira copay card is no different.
How do I get a Humira Copay Card?
First, you need to find out if you are eligible. For all of my Medicare folks out there (including Medicare Advantage), sorry – but you are NOT eligible for a Copay Card.
Who is eligible for Humira Complete Savings card?
Only those with commercial health insurance with prescription coverage are eligible for a copay card. Once you’ve identified yourself as one of these individuals, you can put your information into their website. From the looks of their website, they have a ton of resources available that can help you figure out whether or not you are eligible.
Once eligible, they will mail you a physical card that should be presented each time you go to the pharmacy. Luckily, they have an online option accessible in case you lose it. Whether or not you change jobs or insurance plans, the card stays the same but eligibility will have to be re-determined.
Humira cost with insurance
Before your insurance plan will work with Humira to make this more affordable, your insurance plan has to be working. For your insurance plan to be working, you have to meet your deductible. I know this can be confusing, but you have to pay your deductible for the year before your insurance plan kicks in. From what I can tell, the Humira copay card will not work until this has been done. Make sure you have enough money saved up to cover your deductible. This is one of my most repeated pieces of advice on this blog and the most important part of planning for health expenses.
Once you’ve hit your deductible, your insurance plan plus Humira will be able to start helping. When the insurance plan starts kicking in, they will help cover the cost of Humira. The rebate will bring it down significantly and should be (depending on eligibility levels) about $5 out of pocket. Once you hit your out-of-pocket maximum for the year, you will no longer have responsibility for your medical costs for the plan year.
What if I am unemployed or uninsured and need Humira?
If you are unemployed or uninsured, you may be able to receive the drug at no cost. If you call 1-800-4HUMIRA, they will walk you through the process.
How to pay for Humira on Medicare
For those with Medicare that are eligible for the Extra Help subsidy, Medicare will lower the cost of Humira to $8.25 or less. To apply for the Extra Help subsidy, follow this link.
The bottom line
Humira is an expensive drug, but able to help a lot of people for many different autoimmune conditions. Humira offers a copay card that helps lower the cost of the drug for eligible populations. If you are prescribed this drug, reach out to the folks over at Humira for more information. It looks like they have a lot of resources and flexibility to help their patients out with the cost. The number again is 1-800-4HUMIRA.
If you have questions, I’d be happy to help.