The Department of Children and Families Economic Self-Sufficiency Program offered many programs to Florida families to help people and provide them with necessary assistance.
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This puts plan sponsors in an uncomfortable position. But copay assistance only applies to members who take specific drugs. If each plan member pays the same premium, they should get the same coverage. This effectively reverses the cost incentives built-in to the HDHP design.Īll of this points to a basic question of fairness. For example, if a plan has a $2,000 deductible, and a copay card pays the $2,000 cost share, the deductible would be met immediately. The same is true for plan sponsors who utilize a high deductible health plan (HDHP). That effectively reduces the monthly copay to zero, which is not the intention of the plan design. If the member has a $100 monthly copay, the copay card offsets that entire amount. Take a specialty drug that costs $4,000 per month. Copay assistance can significantly disrupt these plan designs. But in order to work, the benefit plans have to work the way they were intended. 4 Copay assistance presents challenges for plan sponsorsĮmployers take a great deal of care to design prescription drug plans that best meet the needs of their employees and their business. This amount was spread across over 669 programs among 253 different manufacturers - a 48% increase since 2016. Copay assistance dollars for commercially insured plans tripled from $6 to $18 billion just between 20. 3Ĭopay assistance programs are a significant and growing presence in the specialty drug world. Researchers from Harvard, Kellogg and ULCA business schools calculate that consumers pay up to $2.7 billion more for health care because of copay assistance. Overall, individual consumers wind up paying more, not less. Those increased costs are passed along to members in the form of higher premiums. Unfortunately, when coupon programs drive increased sales of high-priced drugs, employers and insurers must pay for them. One study found that for every $1 million invested in coupons, pharmaceutical manufacturers realized more than $20 million in profits. 1Īs tools, coupons are extremely effective. This may circumvent plan sponsors' formulary strategy, as the presence of a copay card means patients may not have financial incentive to utilize a lower-cost preferred therapy. Drug manufacturers use them to steer insured patients toward their medication. Ĭopay coupons, at their core, are a marketing tool. Manufacturer copay assistance programs help insured patients afford expensive prescription drugs by covering part or all of a member’s deductible and copay for certain medications. Drug maker copay cards can disrupt your benefit strategy unless you act.Īs drug costs continue to rise, drug manufacturers have designed ways to reduce the out-of-pocket costs for patients. I gave my all in my therapy and was ready for sex after four months of using dilators, but even then, he was very hesitant to have sex with me. I made an appointment with a sex therapist while on our honeymoon. Then came the cruel twist that I have vaginismus (meaning vaginal penetration was excruciatingly painful). Making out was hot and heavy, and I thought I'd love sex with him. I was (and still am) a practicing Catholic, and so was he. When should you unfollow exes?įirst dates can be awkward. Taylor Swift's friends are unfollowing Joe Alwyn. A date is only a failure if you don't learn anything about yourself." More dating, relationship and sex tips A date isn't a failure if you don't have a second date. Tinx hopes her book will help readers navigate the world of dating to find someone worthy of themselves, but also to get in touch with themselves and become " the main character of your life." It's very important to wait to see how someone makes you feel and wait to see if they're worthy of going in the date box." You've just constructed this idea of someone in your head. The truth is you know very little about him. "A girl will see a guy online on a dating app and think, 'Oh my god, this guy is going to be my husband.'. "A lot of the time, women will prematurely put men in the date box," Tinx says. While box theory is designed to help people take back power in dating and identify what they want from a relationship, reverse box theory is meant to rein the hopeless romantics back in. That's available to everyone if you just don't settle for less." What is reverse box theory? "You shouldn't have to, because everyone deserves someone who is interested in them and obsessed with them. "You shouldn't try to manipulate someone into wanting to date you," she says. While it might seem overly simplistic to some, Tinx views box theory as a "freeing and empowering" concept. And vice-versa: If he just wants to hook up with you, you can try your hardest and try to manipulate your way into the date box, but you just can't." She adds: "If he wants to date you, he's going to want to date you no matter how you act, no matter what you say. Tinx first shared her "box theory" on social media in 2021, based on a series of "misadventures" and time spent "chasing male validation" in her 20s.Īs she describes it, the theory is that "when a guy meets a girl in a romantic setting − so like a dating app date or a blind date or something − he will put her into one of three boxes: He wants to date her, he wants to sleep with her or he wants nothing to do with her." "I feel so lucky every day that I get to connect with these amazing women and girls who trust me enough to ask me these questions." What is box theory? "I feel so lucky that people trust me with their problems," she tells USA TODAY. Tinx views that role as "a massive privilege." Some viewers online have likened her a virtual "big sister," offering advice on love and life. The majority of her videos are shot casually, lying in bed or standing in her kitchen, holding a tiny lavalier microphone as she shares personal anecdotes and life advice. If you feel like you want to wait, then wait, but you shouldn't withhold (sex) to try and manipulate your way to dating someone." Who is Tinx?īorn Christina Najjar, the 32-year-old influencer known online as Tinx boasts 1.5 million TikTok followers. In short, Tinx advises those dating around to "act how you want in the moment: If you feel like sleeping with someone, you should sleep with them. "My main message comes down to self-worth and prioritizing your own happiness, so if that's something you think you'd like more of in your life, you are welcome here," she writes. While the book's target audience is women and the dating tips offered are geared toward women who date men (Tinx writes in the book that she is "staying in my extremely straight lane and writing what I know"), much of the advice remains helpful regardless of gender identity or sexual orientation.
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