My health insurance stopped paying for part of my prescription,

[StarsInHerHair]

& my Mom, she has a different insurance company, 1 of her prescriptions is now not covered at all. I have to pay for half of my prescr. at least it's not really expensive. Has something like this happened to anyone here?

Is this what the insurance corp. are doing before Obama's Romneycare kicks in in 2012? Did this happen in MA too, insurance corp cutting costs by ceasing to pay for various prescriptions?

[cutlassmama]

1. My co pays for Rx's went up.

[NNN0LHI]

2. Thats been happening to my prescriptions for ten years

Welcome to the club.

:toast:

Don

[guitar man]

3. I fired my health insurer today

Open enrollment time at work. Another premium hike and reduced benefits, plus the offer of a new "cdhp" plan that is a scam the mafia wishes they could get away with. I'm out. In disgusted and done with it, health insurance is a luxury I can no longer afford. :(

[Turbineguy]

6. It's called "Open Enrollment"

when it should be called "Open Season".

[guitar man]

13. You got that right

I just hope they don't snag too many suckers with that "cdhp" scam. It's ridiculous to even try and call something like that a "benefit".

[kath]

16. Hubby's work switched over to that "consumer-driven health plan" BS July I - NO CHOICE, no other

options. The Orwellian name of this thing REALLY pisses me off. "Consumer-driven" my ass!!

Not too awful for the higher paid, higher tax bracket worker with a healthy family. But for the lower rungs of employees, especially those with a family member who has a chronic illness, or little ones who need lots of immunizations (100% coverage of preventive care tops out at $400, after that you have to pay 100% until the high deductible is met) it totally sucks ass.

[guitar man]

17. I opted out of all of it

They put the price of our ppo out of reach 2 years ago and I have struggled to pay for it ever since. The straw that broke the camel's back came with today's increase, and they couldn't melt that damn cdhp and pour it on me. It's going to be cash on the barrelhead for a while for us. If one of us gets a major illness, I don't know what we will do but I'm DONE paying out the kind of money in premiums I've been paying. It's over until we are presented with something we can afford. :grr:

[napi21]

4. They chnge their fprmulary, as far as I can tell, whenever

they damn well please! I'm sure that's what happened to you. Each ins co. has their own formulary (what drugs they cover & what teir they put them in. If you have the opportunity, check on other ins cos to see who covers the drugs you take

[SharonAnn]

12. Right. You're obligated for the year, but they can change what they cover at any time.

Isn't it great for the people who write the rules?

Too bad for us that have to live by them.

[obxhead]

5. Expect more of it.

The only thing the HCR law really guarantees is the profitability of the insurance companies and drug manufacturers as well as locking that broken system into place.

[Kennah]

7. My plan is dropping prescription drug coverage altogether this year

Use pharmacychecker.com to find a Canadian pharmacy with your drug of choice cheap.
http://www.pharmacychecker.com

Then ensure they are a legit pharmacy.
http://www.napra.org

Washington has WPDP. Check to see if your state has a similar program.
http://www.rx.wa.gov

[ncrainbowgrrl]

8. Also try this for links to coupons for meds!

Has saved me lots over the years!

http://www.internetdrugcoupons.com

[Kennah]

18. Many thanks

[Paper Roses]

9. I take 2 prescriptions on a regular basis. Recently I had to see the Doc

for something unrelated to my ongoing situation. He wrote a script for me to cure this particular ill.

Went to Target to have it filled. I have no prescription drug coverage. $148.00. I told the very nice pharmacist that I can't buy it, too expensive, isn't there an alternative? Said she: "Well, yes, you can use XXX product. It is only a little over $3.00 for the medicine and is not a prescription".

Shoot. Next time I need a pill or any other medication, I will sure ask the Doc if there is any substitute..not just generic but over the counter.

Maybe the expensive drug would have been faster but for the $146 difference, I can wait a few days.

I just hope I never need something that is so expensive and that has no other remedy. I'm sunk. I live on Social Security only and can hardly keep my head above water as it is.

I am sorry you have had to face these back-handed ways of raising prices. It is grossly unfair to everyone.

[madrchsod]

10. always ask for generics

[StarsInHerHair]

14. you can ask your doctor for samples, my Mom just got

about a month's worth of samples, her insurance won't cover the prescrp.-figures-but she has the medicine & it helps her rheumatoid arthritis. You can even get asthma inhalers as a sample, I hope you have a nice doc & hope this helps.

[Skittles]

11. they're giving them plenty of time to fuck people over

before the so-called "benefits" kick in. And those "benefits" are sure to be WAY watered down before you see them.

[eridani]

15. They can do anything they goddam well want to do, before and after HCR

Even recission. Making it illegal doesn't stop it--it juct makes them more careful about calculating costs vs benefits. If you die before you win your appeal of recission, they win even if they have to pay a fine.

and Medical Loss Ratio regulation has totally failed to control insurance companies inthe 15 states where it has been tried.

[Romulox]

19. How can we pretend that mandatory insurance "solves" anything.

Every person in this thread has "access to health insurance", but nobody in this thread has access to unlimited funds to pay for it. For the life of me, I cannot understand how anyone can support the President's health insurance "reform". :wtf:

[NNN0LHI]

20. Mandatory insurance maybe doesn't solve but addresses the problem of pre existing conditions

Can't have people waiting until they need a quadruple by-pass to decide they would like to purchase health insurance. Be like someone waiting until their house was ablaze before calling up a State Farm agent to take out a fire insurance policy.

Everyone would like to do it that way if they could. But would that work?

If someone can't afford health insurance, medical care should be provided free of cost. But if someone can afford it they should be paying for it. Someone has to pay for it.

Don

[Romulox]

22. Nope. No private insurance company has a "right" to receive payment from me

Simply because I'm alive and "can afford" it.

If we want national health care, let's do it. But to say that private companies have a "right" to make a profit off of each and every one of us (and that they will hold our LIVES hostage such that they must be paid before we get care?) It's the worst of government coercion coupled with the worst of private greed. :puke:

[Vinca]

21. What is this "insurance" you speak of?

I have a vague memory of 2004 and a $1,200 a month bill and that was all she wrote. Nothing since then.

[madmom]

23. Yes a couple, three years ago,my insurance company changed their lists of covered drugs. Happens

all the time, not caused by Obama.