How We Helped A Care Giver Lower Her Brand-Name Drug Costs by 90%
A lifelong caregiver finally received the support she deserved — with prescription costs cut from $1,924 to just $152 per year and $1,000 in annual lifestyle credits unlocked.
This case study follows the journey of Minerva, a resilient 75-year-old home health aide living in Tomball, Texas, who continues to work full-time to maintain her financial independence. Despite her dedication to caring for others, Minerva found herself struggling to navigate her own healthcare costs, specifically regarding the high out-of-pocket expenses for prescriptions required to manage her Chronic Kidney Disease (CKD).
After seeing the positive results we achieved for one of her own clients, she was referred to us to determine if her current Medicare Advantage plan was truly the best fit for her health and financial situation.
The following analysis details how we evaluated her specific medical needs and medication profile to transition her into a plan that provided better financial stability, ensuring that a lifelong caregiver finally received the specialized support and cost savings she deserved.
The Challenge
Navigating the intersection of chronic illness and fixed-income employment presented a daunting hurdle for Minerva. To manage her Chronic Kidney Disease (CKD) and prevent further renal decline, her physician prescribed Kerendia — a specialized, high-tier medication essential to her survival. However, under her existing Aetna PPO Medicare Advantage plan, the financial barrier to accessing this life-saving treatment was nearly insurmountable.
Prohibitive Prescription Costs
Minerva was facing a staggering $1,924 annual out-of-pocket cost for her prescriptions — a figure that placed an immense strain on her modest earnings as a home health aide.
The Eligibility Gap
Despite her clear financial need, Minerva was not currently enrolled in the Extra Help (Low Income Subsidy) program, leaving her to bear the full weight of expensive brand-name drug prices without the critical subsidies that could make her treatment affordable.
The Results
By performing a targeted audit of Minerva's eligibility and plan structure, we transformed her financial outlook from one of constant stress to one of stability. The impact of these changes goes beyond simple math; it provides a 75-year-old caregiver the dignity of knowing her own health is secured without sacrificing her basic needs.
Annual medication costs plummeted from $1,924 to roughly $152 after securing Extra Help eligibility — a 90% reduction in prescription expenses.
By successfully enrolling Minerva in the Extra Help program, her out-of-pocket costs for essential brand-name medications like Kerendia were capped at just $12.65 per fill.
The transition to a Devoted Health MAPD plan unlocked $400 for health supplies (OTC) and $600 for groceries, utilities, or rent — providing immediate household relief.
Between the drastic reduction in drug costs and the addition of lifestyle allowances, Minerva is now $2,772 better off annually — benefits she was entitled to all along.
Annual Savings Breakdown
Ultimately, our intervention transformed Minerva's financial outlook and secured her access to life-saving treatment. Our solution ensured that a woman who has spent her life caring for others finally received the support and advocacy she deserved.
Protecting You On Life's Journey
You shouldn't have to choose between your health and your bills. Let our experienced team help you find the prescription savings and coverage you deserve.
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