Talking to your doctor about how to handle the cost of RA treatment is an important conversation that you should prepare for ahead of time. Managing these costs is a challenge, but one your doctor can help you with. The following three steps will help ensure that you get the most out of your conversation with your doctor:

1. Know the stage of your symptoms

Since your treatment decision will be based on the progression of your symptoms, it’s crucial to determine their status first. If you have been recently diagnosed, your treatment options will be different than those of someone who has lived with RA for many years. Also, let your doctor know your physical comfort level. Does your joint pain and stiffness limit your daily activity? Are there certain activities you’d like to work towards doing again? Addressing these questions will help you and your doctor understand the development of your symptoms, and your goals in treatment.

2. Know your treatment options

Since RA treatments range from over-the-counter anti-inflammatories to more costly medications, the more you know about your treatment options, the better you can decide how to manage the costs. It is important to tell your doctor how long you have received treatment for RA and what medicines you have taken in the past. Also, let your doctor know how satisfied you feel with the medicines you are taking or have taken previously. If your doctor gives you multiple treatment options, be sure to ask how much each will cost you, and which may be covered (partially or entirely) by financial assistance.

3. Know your coverage

Once you have researched steps 1 and 2 above, you should investigate your insurance coverage. Your doctor should have some general information about health insurance coverage for certain medicines, but it is important to check your own specific coverage and the formulary for your specific plan, since insurance companies function independently of physicians. Regardless, do ask your doctor for advice on foundations or organizations that provide financial assistance for RA medications, and ask if there is a patient assistance program (PAP) available for the medicine you will be taking. You might be surprised to find out what assistance you qualify for. Our overview of PAPs and introduction to Medicare and Medicaid will help you understand how to apply for these types of coverage.

Formularies are the lists of specific drugs covered by a government or private insurance plan. Certain drugs might have to be preauthorized before you can receive coverage. Finding out the formularies for your health plan can factor into your treatment decision. Also, make sure to double-check coverage often, as formularies can change.