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May 25, 2019



Deductibles are weird in health insurance to begin with.

We used to have a landlord who was accustomed to having college student tenants, and his rules for when to call him/not call him were kind of hilarious, but basically boiled down to: "you can change a normal lightbulb, so don't call me to change your lightbulbs." - and that sort of "deductible" makes sense to me, where no, please do not file a homeowner's insurance claim for a repair that costs less than $50, it just isn't financially feasible to plow through the paperwork for that sort of cost. But health insurance, they're already keeping track of it, they're already paying part of it... eh.

That they'd get cranky about co-pay assistance, because higher co-pays for expensive drugs are part of how insurance, uh, "encourages" people to "reconsider" expensive drugs: that makes sense to me, from a brutal business no-ethics-no-morals-just-money viewpoint. (I hate that viewpoint, but whatever.) If they can't make you pay the copays, then at least they can not let it apply to the deductible.

It's odd, with pharma and drugs and insurance in the US; yes, Big Pharma pays big money to do some of the medical testing for medications that otherwise wouldn't exist anywhere and then passes on some of that price tag to US customers; the US government pays for some testing and research for free; insurance is having to figure out, given that there *are* medical options out there with astronomical price tags that a given individual's paying-in-to-the-system amounts would never possibly cover, what to do about that (and being skeezy and way more profit-driven than should be allowed, incidentally, as Big Pharma often is; but even if they weren't bogglingly corrupt in spots, we'd still have some cost/access problems... just a lot fewer. Sigh.).


KC - It's made by a Swiss company, so no US funding here (thought there was that potential scandal involving access via Michal Cohen). I wonder if it's cheaper in Switzerland. It was interesting to find that the actual cost, spilt between the insurer and patient is "only" $3,000 a month. Perhaps I should be hoping for the generic.

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