Having To Pay More Per Prescription Because I Can Only Go To Cvs.
Updated(Sorry this is so long, I wanted to be clear) I am disabled for several medical problems and our medical/Rx ins (& the majority of our income) is from his work. Although his extremely large world-wide company only offers PPO plans. For a family of 3 or more we have to pay over $500.00 MONTHLY out of pocket just to "say" we have ins with a $4500.00 family deductible, no individual deductible available on a family plan, before they will start to pay 80%!!! (Off topic but that means if you see a dr, even most "specialist" 40 TIMES that year you will have paid your monthly premium & the ALL of your medical bills & the ins co will not have to pay one penny! How does this qualify for ins? If if company did not offer ins we would qualify for Gov assistance since he makes less than $48000.00 in CA and only have to pay $75.00 per month for an HMO & $20-25 dr office appt, saving us a very large portion of the $16,000.00 that we paid last yr out of pocket! Sorry very sore subject. Yes he should get a better job but it isn't just that easy.) So in trying to find a new pain Rx (just one of my 10 maintenance Rxs that I to take every day of the year) I found out that since we can only fill our Rxs (except three 30 day emergency Rxs per yr) at CVS/Caremark that this 1 pharmacy charges $125.00 per month and CVS charges $340.00 per month for the Rx, so after our deed I will have to pay my 20% of $68.00 per month/$816.00 yr instead of $25.00 mo/$300.00 per yr! I'm upset that I have to pay $516.00 yr more just for the 1 Rx, & our ins has to pay $2064.00 more, costing every1 more $ next yr for ins. They want us to find cheaper drs/hosp & places to get testing (which the drs they push as cost effective (per a dr) usually only get that way cuz they don't order as many tests which as someone who had to have extra testing & 3 xtra biopsies to find out I had a very rare cancer that required an amputation before treatment & would have died (they thought I would anyways by the time they found it) had my drs cared more about keeping their cost low. & believe it or not it was DH previous job & we only paid around $6000.00 for everything medical/Rx each year OOP & monthly prem. How can the ins comp charge us a % of cost, not a flat co-pay but handcuff us to 1 pharmacy where they can just chose to charge what they want & not even be close to what 5 other pharmacies charge? The really scary part I've read that CVS/Caremark & only one other comp offer mail-in Rxs that a lot of ins comps are going with now, costing all of us more $!
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