I noticed when I got my mammogram that I owed $200 because my deductible has not been met. I believed that when I ordered my medication the second time this year they would be fine with the copay assistance paying the deductible, given that the copay assistance lady was on the phone with me, and no one said boo. But evidently not, and then a few days after the mammogram I got this letter. (Click to read the annoying AF letter in a larger size.)
On the one hand, nice of them to tailor the letter to my illness, but if your going to do that, go all the way. In what world does an MS medication have a copay of $500 a month? I think mine is $1000.
And frankly, the rules the insurance uses for the expensive meds should be the same as the rules use use for the cheap stuff. Otherwise, what’s to keep them from saying “this heart surgery is too expensive and we won’t allow you to take this money from a GoFundMe campaign and apply it toward your deductible?”
The deductible reasoning makes no sense. I see they want me to feel my share of pain … but then do what? Opt for the cheap meds? Every MS med is over a thousand a month.
Oh well. I’ve known this was coming for years, and I’ve saved the maximum in my Health Savings Account, so that will pay my deductibles for a while. And it’s true, if other people have to pay a deductible then I should too. But if we are all the same, then my meds should follow the same rules as cheap meds.
Seems like this is going to come to a head somehow, someday. When I hit 65 I can pick any Medicare supplemental insurance I please. I will remember this nonsense.
Wait - that reminds me. I’m already been contacted to be in a class-action lawsuit against my insurance company. Evidently they did some other sketchy anti-trust stuff. I was just thinking how hard it would be to find my old group ID number, but you know, I think I’ll go through my files right now and sign up.