My insurance is a high-deductible plan. This means every January, I have to pay full price until I pay down the deductible. I love having my pharmacist look at me with pure pity when they ring me up (and sometimes try to run the insurance card again, thinking it didn’t work) each January and into February. That $1200 just for insulin is painful.
The first year I worked here, I had to get a payday loan. Not even kidding. Since then, I’ve been able to set aside some money to make sure I was covered for my deductible. I now use one of those health savings account (HSA) cards. My employer contributes some seed money to it each year, but not enough to cover the whole deductible. I contribute enough to make up the difference.
Last year, I went to fill my Novolog insulin prescription in April. The bill was, again, over $1000. I flipped out and waited, because I thought maybe I was filling too soon. The next day, I received a letter in the mail telling me that I had to switch to Humalog, because insurance wasn’t covering Novolog anymore. No real reason WHY, just “switch now.” The letter was dated April 5 or something like that. The coverage change was effective April 1. So they notified us that we needed new insulin after they stopped covering our old insulin.
Thankfully, I already had an appointment lined up with my doctor, before my existing supply ran out. I got a new prescription while I was there, with about 2 days of insulin left. Needless to say, I wasn’t happy.
I’ve also had no end of trouble getting authorized for insulin pumps over the years…
Insurance companies are painful.