Insurance is really a funny thing now these days… Either you have it or you don't.
Our company was taken over by Xerox and now we are covered under Blue Cross Blue Shield of Texas that have their prescriptions through Medco. Before we had insurance with Blue Cross Blue Shield of North Dakota and our insurance policy was a good policy. No complaints.
Although, now that we are under Xerox and have Blue Cross Blue Shield of Texas - our insurance is horrible. Actually horrible is the best word I could come up with…
For starters… I go through 8 vials of Humalog a month with my insulin pump and my cost with the new policy is $900; infusion sets aren't covered under my medical for the 80/20 for durable medical equipment, they are concidered as a prescription with medco and can only have 2 boxes of infusion sets at a time. They are at full cost for the infusion sets and reseviors, my test strips for One Touch are at full cost of $200. my heart medications, even though they are generic meds along with blood pressure are at full cost and running $160 - $300. Won't bore you on details of the type and the cost.
I had went to fill my meds at the beginning of the month and pharmacy had said there is something wrong with your new insurance.
We had gone into the office and called the insurance company and they said that is not a mistake. Our deductible is $6000 out of pocket and $1400 deducible.
All my meds go directly toward out of pocket expense and none of it goes toward the deducible. I have been on the phone frantically with the insurance, the new HR, on the phone in trying to see if I can get prescription assistance. There is no way in the world, I can come up with $900 to $1200 a month for my meds a month. That is basically two paychecks a month to cover my meds.
I had consulted with another diabetic at work who had it all figured out when we got the new insurance and went to talk to him. I had told him of what is happening and he said he got the same issue and reply from the insurance company.
He is on the insulin pump with medtronic. He was going to cash out his funds from different bonds to take care of the deducible at the beginning of the year. Along with get all his meds and supplies and wipe out the deducible.
Due to the cost of his supplies, medications he has to take, insualin he had to go off the insulin pump and go back to injections.
He is still paying off his pump with Medtronic since he had just got the insulin pump.
Other people at work had said it' can't be that bad that we were getting too excited. Now lot of the ones who were critizing that we were getting too over excited are coming back that their meds also costing them in the hundreds are upset also.
I had wrote a letter to the New HR department and expressing these concerns and still waiting for a response.
My question and concern is, what options are there for me. My heath care cost just went up to about 300% - 350% more. It is like I said a whole paycheck in half to just cover my medical expenses that use to be all covered from last year.
Just really at lost. I need meds to be filled next month and have no idea where to turn. Even though I have tried resources from different people, like lilly cares and other agencies. It all was a dead end….
Just wondering what is there to do??