I have had RA ( no RA factor) for 35 years… so lots of levels of meds and costs. The biological ate the highest. If you will need them eventually maybe cover for them now - they charge 5–7k about depending where you are. I pay nothing as I have Medicare and blue cross blue shield - pay a big annual but then all set. I recently started another IV for immunogloben IGg deficiency for another like cost and that’s all covered. The initial RA drugs were not too expensive ( prednisone ( be very careful of pred.) and hydrochloride) but they have to chance now and then. Drs often try gold or methotrexate early - not too bad.
Check what’s coming!