I have been
unsatisfied (that’s putting it lightly), with my insurance company for several
years now.
Basically, as long as I’ve
had it.
First, it was because I hated
paying so much into it that I would never get back.
When it was just The Pretty Lady and I we had no chance of
meeting our deductible.
Even now with
two kids, one with asthma, and myself with a chronic disease we barely have a
chance of meeting our deductible.
This
year was the exception because of added expenses after my diagnosis being
changed to Type 1 which meant extra doctors visits and tests and more expensive
medicine, my son being hospitalized for the second time in 6 months, and my
daughter having surgery to put tubes in her ears.
On top of that we took advantage of having our deductible met and
I took the plunge to get a CGM (best investment ever, if only the insurance
company understood the money this would save down the road), and my daughter
had her tonsils removed.
Not only did
we meet our deductible, we hit our out of pocket maximum.
Despite that, and the fact that we met our
deductible last year, I was still sitting on over $5000 dollars in doctors’
bills.
So, this is my gripe; in the
last 2 years I have racked up in excess of $5000 of bills, not including
co-pays on insulin, test strips, oral medications, CGM sensors, and inhalers,
paid over $7000 in premiums, and haven’t really seen a pay increase at work
because the rise in premiums has negated it every year I’ve been in my current
job, yet I don’t really feel like I’ve gotten $12,000 worth of service out of
them.
And this week I came across what
was essentially the straw breaking the camels back on another blog.
And thank the stars that I did find out now
instead of the first time I tried to fill a prescription in January because bad
things may have happened.
My
insurance originally used Medco for our pharmacy benefits, which merged or was
swallowed up by (I forget which) Express Scripts a few years back. Initially that was of little or no impact to
my coverage until this happened.
Express Scripts has announced that they will have a list “excluded
drugs” that they will not cover because “clinical data shows there are other
products effective in the marketplace.”
I realize that insurance companies are for-profit entities and they
answer to shareholders, have to make a profit, etc. I also understand that pharmaceutical companies have increased
the cost of medications and that most of the ones on the exclusion list are
more expensive. I get that the profits
of the insurance company take a hit if I fill a prescription costs $200 and pay
a $30 co-pay as opposed to filling a $100 prescription with the same co-pay
(I’m bad at math, but not that bad).
This move hits me twofold. I use
Apidra as my rapid acting insulin to bolus for mealtimes and treat high blood
sugars. I use an Accu-Chek meter and
test strips to monitor my blood sugar and calibrate my CGM. My son uses Advair as a controller medicine
for his asthma. All three are now on
Express Scripts exclusion list. They
recommend Humalog as the equivalent for Apidra. Although the times it takes for the two different drugs differ,
as do the peak times, I am sure I can adjust to this and still manage my blood
sugar just fine. There is a bigger
problem with my son’s inhaled steroid.
He was recently switched to Advair by his pulmonologist because
Symbicort was not effective at keeping his asthma under control. The Advair, however, has been great. He has had no attacks and no need for his
rescue inhaler since changing over. There are 2 suggested alternatives to
Advair on the Express Scripts list. And
if you guessed that one of them is Symbicort, then you my friend are
correct. There is one other alternative
as well, but if it does not work either we will be stuck paying full retail
price for this drug. Express Scripts
pays an outside group to analyze the drugs in each group and determine what
ones are comparable and do the same thing.
That group apparently has determined that Symbicort and Advair are
effectively the same drug. They are
used to treat the same condition and same symptoms, but my son is proof that
they are not the same drug and both have different benefits for different
people. If that is true in his case, I
have to believe that the same is true for many other people on the other 47
drugs that are excluded from coverage.
Which according to the articles I read, factors out to 2.6% of Express
Scripts customers. Which seems measly,
but it’s still 780,000 people.
Perhaps my
anger is misdirected and should be directed at the drug companies themselves
for their outrageous prices. But I feel
like if I am paying $3500 a year in premiums for “coverage” then I should be
getting a little more in return.
Instead, I am paying more and getting less every year.
http://www.pharmalive.com/why-express-scripts-tossed-48-drugs-off-its-formulary-miller-explains