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Does your health care coverage include Rx? Need info . . . ($399 for Rx!)

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bertha katzenengel Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jun-10-06 01:46 PM
Original message
Does your health care coverage include Rx? Need info . . . ($399 for Rx!)
Edited on Sat Jun-10-06 01:48 PM by bertha katzenengel
I'm on COBRA. I tried to have a prescription filled yesterday and the pharmacist informed me that my prescription coverage had been terminated, and was I prepared to pay $399.36 for my prescription?

There was not a "prescription coverage" choice on my COBRA elections form. The only choices were to continue medical, dental, and vision coverage.

Does anyone know if prescription coverage is included in medical insurance? I called my former employer yesterday but my call wasn't returned.

Thanks

Signed,

Disgusted by the Pharmaceutical Industry/Lobby
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MidwestMomma Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jun-10-06 04:16 PM
Response to Original message
1. Your medical coverage probably includes RX
Edited on Sat Jun-10-06 04:32 PM by MidwestMomma
but most likely your RX is covered by a different RX carrier from your insurance carrier. The RX carrier most likely does not have updated eligiblity information because you've been terminated under your group plan and are now covered under a COBRA plan.

If you have a health insurance ID card call the benefits help line and let them know your RX coverage is showing as terminated and you need corrected eligibility info sent to the RX carrier showing you have coverage under a COBRA plan.

Good luck...it sucks ALOT when stuff like this happens. But I'm pretty sure you still have RX coverage but it might take til Monday to get it straightened out.
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bertha katzenengel Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jun-10-06 04:41 PM
Response to Reply #1
2. Thank you, M.M. (Heh heh . . . M&M . . .)
Green!


:hi: Thanks, Midwest Momma.
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GirlinContempt Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jun-10-06 04:43 PM
Response to Original message
3. What friggin drug costs $400?!
Were you buying 16 years supply?!
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bertha katzenengel Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jun-10-06 04:46 PM
Response to Reply #3
4. Lidoderm -- pain patches. Rx is for two per day for one month.



http://www.lidoderm.com/

The site says they're for shingles, but I have them for back pain and for plantar fasciitis.
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GirlinContempt Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jun-10-06 05:03 PM
Response to Reply #4
5. Wow, that's insane
You can't use anything else?
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bertha katzenengel Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jun-10-06 05:39 PM
Response to Reply #5
7. I can do without for a week or so.
Then the pain in my foot gets so bad I can hardly walk. This is even with using a boot to stretch my foot out.

Ultimately I just need to lose weight. But that is a damned slow process. Meantime....

:shrug:

:hi:

Note: I DETEST PHARMACEUTICAL COMPANIES. I also detest our government for the amount they spend on defense. So much of that would be better spent on medical research, education, etc. . . . :rant:
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GirlinContempt Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jun-10-06 05:40 PM
Response to Reply #7
9. I just mean like,
a generic cream or something? That just a rediculous amount of money. I'd heard drug prices in the US were bad, but, I had no freaking clue they were that bad.
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bertha katzenengel Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jun-10-06 05:47 PM
Response to Reply #9
11. I don't believe such a thing exists.
It is ridiculous. Hence my pharmaceutical companies/government spending rant. Is it any wonder some of our seniors have to choose between their meds and food?

Now: with insurance, that bundle of pain relief would cost me $25.
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GirlinContempt Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jun-11-06 03:13 AM
Response to Reply #11
16. It exists
I don't know about where YOU are, but here, it exists.
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bertha katzenengel Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jun-11-06 09:30 AM
Response to Reply #16
22. Do you know what it's called? It would be a boon . . .
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GirlinContempt Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jun-11-06 11:11 AM
Response to Reply #22
25. I think it's just
lidocaine cream or gel. http://www.shoppersdrugmart.ca/medispan/en_CA/dosageList.html?drugId=4669&monopath=20060329_1523/L/PI-2792A.htm&drugName=LIDOCAINE%20TOPICAL%205%%20OINTMENT
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mduffy31 Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jun-11-06 11:14 AM
Response to Reply #4
26. What is sad here
..Is I am a nurse, and where I work we have about 6 boxes of those patches. They are no longer used by the patients that they were first prescribed for, but we cant get rid of or give to someone who really needs them. I can understand your pain, when I had plantar fasciitis I was praying for the sweet release death would bring.
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bertha katzenengel Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jun-11-06 09:25 PM
Response to Reply #26
27. "praying for the sweet release death would bring" ---
it is an intense, unique pain, isn't it? Tsk.

:hi:
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NMMNG Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jun-11-06 03:18 AM
Response to Reply #3
17. You'd be surprised
My Topamax costs about $420 a month for 90 tablets (100mg). Fortunately I only pay $20 of that for my co-pay.
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GirlinContempt Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jun-11-06 03:19 AM
Response to Reply #17
18. Jesus christ
And you guys haven't freaked out and taken to the streets?! :o
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xmas74 Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jun-10-06 05:08 PM
Response to Original message
6. Some companies do not cover RX.
See if you can find your forms and find out exactly what they cover. When my daughter's father had to finally cough up insurance for her his coverage did not include prescriptions.

There are plans for just prescription coverage out there. I had one a few years ago-$15 a month and it covered anywhere from 40-80% of the price of individual prescriptions.
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bertha katzenengel Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jun-10-06 05:39 PM
Response to Reply #6
8. Depending on how long it takes me to get a job, I may be looking for
one of those. Thanks. :hi:
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xmas74 Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jun-10-06 05:47 PM
Response to Reply #8
10. No problem.
It's not as cheap as an HMO plan but it does reduce the price quite a bit.
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Brigid Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jun-10-06 05:56 PM
Response to Original message
12. At the insurance company I used to work for . . .
Edited on Sat Jun-10-06 05:57 PM by Brigid
you could get individual policies that included prescription coverage, but it was expensive and came with so many restrictions it was almost useless.

The health insurance industry is nothing more than a legalized racket. We need a univeral health care system of some kind now.
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bertha katzenengel Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jun-10-06 06:20 PM
Response to Reply #12
13. "We need a univeral health care system of some kind now." HEAR, HEAR!
You little Socialist, you . . . ;)

I lean more and more socialist every day. I won't start a revolution, but damn, so many people's lives would be easier if the one percent would just become philanthropists overnight.

Anyone got a magic wand?
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ashling Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jun-10-06 06:51 PM
Response to Original message
14. I have no health insurance
My employer "provides" health insurance which would leave me next to nothing for rent, food, etc. So I have no health insurance.
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bertha katzenengel Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Jun-10-06 11:01 PM
Response to Reply #14
15. I'm sorry to hear it, ashling.
:mad: I am very grateful for what I do have.
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KitchenWitch Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jun-11-06 03:23 AM
Response to Original message
19. Check with your Pharmacist
some of the drug companies have programs for people in your situation, to comp you the meds. I know Pfizer does, and I believe Eli Lilly does as well.
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RebelOne Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jun-11-06 03:59 AM
Response to Original message
20. My insurance through my employer
includes prescriptions. Each prescription only cost me about $15.
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Rhiannon12866 Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jun-11-06 04:23 AM
Response to Original message
21. COBRA covered my prescriptions, the same as my insurance
at my work did. I would call your employment office (from where I assume you're receiving unemployment insurance) and ask them about it. They were a great help to me. Wishing you the best of luck with this. If you have Rx coverage, you should still be receiving it now, since I did. I don't know if other states are different, but I'm in NY...:shrug:
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flamingyouth Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jun-11-06 10:49 AM
Response to Original message
23. I only have 50% coverage on mine
I have to shell out quite a bit of $ monthly for my prescriptions. :(
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Midlodemocrat Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Jun-11-06 11:01 AM
Response to Original message
24. Bertha, request a copy of this brochure from the
maryland department of health.

http://www.mdinsurance.state.md.us/documents/ListofBrochures5-22-06.pdf

It should have the information you are looking for.


(The one on page 2, under Health Insurance, second to last)

Good luck.
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