So today I had a lady tell me she can't afford her $25 visit co-pay, and could I PLEASE write it off? She used the "I need the money more than you do" line.
I know she has legitimate financial hardships, but I refused.
Do I need the $25 that badly?
I did it because she smokes 2 packs a day. And ADAMANTLY refuses to quit.
Let's look at this:
The average price of a pack of cigarettes in the U.S. right now is $5. This varies by brand & your state taxes, and whether you buy them by the pack or case. But roughly $5 a pack.
So for her, that's $10/day. Or $300/month. Or $3600/year.
I told her that. If she quits smoking, that would be like her getting a $3600 annual raise, without any additional taxes. Ignore the health benefits, just look at the money alone.
All that money for making one life change. That would help her financial situation A LOT. It's a hell of a lot more money than making a $25 co-pay once or twice a year.
She got pissed off and left. Told me that I "don't understand".
She's right. I don't.
For an excellent post on drug co-pays from the pharmacy view, check out this one from The Angry Pharmacist.