Originally Posted by
bob_f_aboc
One more insurance issue to add.
I just received a letter in the mail from my health insurance company today. In it they explain that due to the high cost of prescription drugs they are changing the Rx policy. Our plan was set up with $10 generics, $40 'formulary' brand name drugs, and $50 'non-formulary' drugs.
The new policy is $10 generics and the only brand name drugs covered were listed on just over half a page. If your brand name medication is on the list, you will pay $40 or 40% of the retail cost, whichever is higher. If your brand name drug is not on the list, you will pay the full retail price with no insurance coverage.
Luckily, the 6 different medications that my daughter has to take every day are all available as generics. However, there are no ophthalmic brand name drugs anywhere on the list.
The letter goes on to say, (paraphrasing) if the medication that you take is not listed, speak to your doctor and request to have your medication switched to one of the covered brands.
I couldn't help but notice that about 75% of the covered brand names were from a single manufacturer...coincidence??
With health insurance like this, we don't even need doctors. Next time I'm sick, I will just call the insurance company and ask what they want me to take.
Just something else that points to the fact that insurance companies are what is ruining healthcare.
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