In which our narrator beats the evil health insurance bastardsJune 9, 2008 at 1:05 pm | Posted in Raves & Rants, The Other D (Better Living Through Chemistry) | 9 Comments
So I recently refilled my mail order pharmacy supply of happy pills… I get the name brand b/c the generic is uncoated and sticks in my throat every single time. It’s a slightly higher copay, but it’s worth it.
My previous copay for this was $80 for a 90 day supply.
I get my credit card bill and realize I’ve been charged $492!!!
I call and am told that on 4/3/08 (huh? random date?) a MAC penalty was added to that drug, meaning that if you take the name brand instead of the generic, you get penalized big time. I was never notified of this – obviously, I’d have refilled the script before 4/3 if I knew that was going to happen!
MAC PENALTY? Do I get a happy meal with that?
A few forceful “I was not notifieds” and “may I speak to your supervisor PLEASE”s and I’m put on hold for 10 minutes. When the woman comes back, she says that she has been authorized to give me a one-time exception, and I will be getting a refund for the amount I was overcharged. In the future, I can have my doctor’s office fill out an “exception request form” if I need the name brand drug.
Thing I always wonder after encounters like this. What if I wasn’t…
– educated & literate enough to read my insurance plan documents
– a native speaker of English
– privileged enough to believe I deserve better treatment
– privileged enough to have a job where I can make personal phone calls during work hours (because these folks are 9-5, baby)
I’d be screwed out of $400. And more.