After Jackie Trapp was diagnosed with multiple myeloma, an incurable blood cancer, in 2015, she thought her biggest health shock was behind her. Then came the bills for Revlimid, a powerful cancer drug that her doctor said was her best hope for controlling the disease. The first month’s supply cost $11,148; the second, $12,040 – and her insurer denied coverage. “I’d need to take the drug every month, for years,” says Trapp, 59, a former high school teacher and realtor from Muskego, Wis. “My husband and I had done well in our careers, we’d been frugal and we’d saved, but there was no way paying $120,000 a year or more was sustainable.”
Figuring out how to pay for the drug that’s keeping her alive has become an all-consuming project. Trapp fought her insurer’s denial and won, and has switched health plans twice to ensure continued coverage. To afford her annual co-pays for Revlimid – $15,000 to $21,000 a year recently, before a new law capping out-of-pocket costs for people on Medicare took effect in 2024 – she’s tapped into assistance programs from drug makers and grants from health care foundations. She has also drawn down savings, taken out two mortgages, sold her car, some furniture, and her husband’s classic truck, and lives as cheaply as possible, growing her own vegetables and DIY-ing everything from lawn care to hair cuts. Continue reading →