we may add: Insurance Coverage for all ODD payments must be ensured. This addresses the released individual suffering from being rejected insurance and fears a $100k co-pay.
If it is in the society's interest (and it should be) that no patient is left behind, the community has to make a choice.
Either:
(1) Develop ODD Therapies all publicly funded and market it by the state - or -
(2) Let private companies take the financial risk upfront and reimburse them later on via high drug prices (status quo)
You see that (1) will probably incur higher costs, as the public will need to also finance all the failures.
FDA may also preempt certain ODD development like in this case, if they believe current unproven alternatives are more in the public interest. However, this was not the case here, FDA has chosen the current path.
Bottom line: No patient shall be left behind and they all shall sit at one table and clarify complete payment.
It is surely outrageous that the insurance company does not pay 100%.
Just my 2c
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