The biggest selling drug in the world – Lipitor – goes generic at the end of November, 2011.  Some Medical Insurance plans cover Lipitor as a preferred brand.  With Medical Insurance the drug would cost between $45-$50.  Without Medical Insurance Lipitor could set your bank account back by about $100.  Ouch!

Doctors and Medical Insurance providers all want to see your cholesterol less than 200.  That’s the LDL’s and HDL’s combined.   On the favorites wish list that doctors and your Medical Insurance provider have, they would like a reading of less than 100 for LDL cholesterol and so that would put the HDL’s at around 99 for perfection.  Cholesterol readings are determined by a blood test.  Medical insurance will pay for one blood test per year usually associated with your annual check-up.  Medical insurance from BlueCross/BlueShield of Florida offers free lab work with most of their policies so you wouldn’t pay anything for the draw if you had one of their Medical Insurance plans.

Why all hullabaloo about cholesterol?  Every cell in your body has cholesterol and your liver even makes more of it if you don’t get enough from your diet.  Too much cholesterol though and your arteries will become clogged putti ng you at risk for heart disease. High cholesterol makes your doctor and your Medical Insurance provider very unhappy.  Heart disease is still the number 1 killer.   High cholesterol can make your medical  provider so unhappy, they could deny you coverage.  High, untreated cholesterol?  Forget about it.  Medical Insurance providers really don’t like that and even if you have no other medical conditions, they will flat out deny you Medical Insurance coverage.  You would be eligible for a Medical Insurance plan like GoBlue from BlueCross of Florida but that plan does not offer major Medical Insurance coverage.  Translation:  get yourself hospitalized or need surgery and you will be paying the entire bill.

Lipitor, which is the brand name for a drug called atorvastatin, lowers the amounts of LDL (the bad cholesterol) total cholesterol while increasing the amount of HDL (the good cholesterol).  An easy way to remember which is which is to associate the H in HDL with the word “high”.  HDL cholesterol is what you and your doctor and your Medical Insurance carrier want to be high.

From the Lipitor web site here are some common side effects from taking Lipitor:

  • Diarrhea
  • Upset stomach
  • Muscle and joint pain
  • Alterations in some laboratory tests
  • Tiredness
  • Tendon problems

Medical Insurance

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