Posted on 11/26/2021 7:23:44 PM PST by SoCalTeresa
I have been fortunate to have great health most of my life with no prescriptions. I now have a prescription for a thyroid problem for the past few years and has never been a problem getting filled. Not life threatening. I have Medicare Part A and B, Wellcare Prescription coverage, private insurance through my employer and am told that my $13 a month prescription can't be renewed because it is being reviewed. I pay close to $5,000 a year for medical insurance. Is this normal?
I thought I read where Medicare Part A didn't have any cost associated with it?
Do you have any choice in the matter?
I mean: Could you totally "opt out" of the system if you so chose? Could you decide to instead pay any and all medical bills out of your own pocket? (I'm NOT asking whether this would be financially feasible for you and/or whether you would prefer it - just if you could legally do it.)
Regards,
Unfortunately I don’’t thinkI can opt out. I am going to live with what I have. My complaint is the $13 a month presciption that is suddenly under review despite paying thousands of dollars in premiums. What if this was a life=threatening mediation? This is outrageous.—
You don't think you can opt out?
You mean, you don't believe that you can simply instruct your bank to stop the monthly transfers (or however else you pay your insurance bill) and tell the insurance company to go pound sand?!
Does the insurance company have its own team of jack-booted "enforcers" who would drag you out of your bed at 4 a.m.? Do you live in America?!
Regards,
At the age of 45 I developed severe symptoms typical of thyroid dysfunction.
I did not seek a doctor. I take no medications.
Long story short, I discovered that my body was not only thyroid deficient, but that the effects were both cumulative and compounded by a gut issue (a LONG story in itself).
I recommend that you consult with a Naturopath (ND) and consider a natural iodine supplement at levels of 3-5x USRDA and increasing until symptoms abate.
I began at the same level and ended up at 10,000 mcg of iodine in the form of Icelandic Kelp tablets and continue to this day. The iodine alone resolved over a dozen individual symptoms.
For reference, most Asians - particularly the Japanese, historically - get about 13-14k mcg of iodine from their diet.
Unless you are old enough to have been in the fallout zones and have thyroid damage/disease, I can’t imagine that medication is necessary if you are healthy enough to not be on any prescriptions at all.
Assume you are on levo. 3 month supply is $10 at Walmart and $43 at Walgreens at full retail price and $10/$17 at the GoodRX negotiated pricing. 1 month is $13 at CVS.
Why people don’t shop their healthcare boggles my mind.
In short, health insurance companies pre-authorize medications in order to keep healthcare costs low. By ensuring that your medication is medically necessary, up-to-date, as economical as possible, and isn’t being duplicated, health insurance companies can afford to provide more expensive medications to those who truly need it.
I love this, insurance company determines if “your medication is medically necessary”. Excuse me which medical school did they graduate from and are the licensed by your state to practice medicine? Also when did they examine you to determine that you do not need this medicine a DOCTOR prescribed! Or do they expect your doctor to work for free proving to the insurance company you need the prescription?
Unfortunately, there's a whole lot of that going on these days, and it isn't just the insurance companies doing it.
Bookmark
this is ROMNEYCARE pushed by MIT, Romney, RINOs and
then adopted by the DNC.
Americans paid 10$ for scripts now $3000 per month
after paying insurance/fees2Congress of $12,000.
THIS is why the GOP loves Romney.
THIS is why WHO and Obama love Romney.
America is beyond f’ed.
Yeah, it is. Between me and my doctor. None of their business.
No, it isn't necessarily a bad thing. There is a helluvalot of medical malpractice these days.
You should, because the group of doctors reviewing it have more medical knowledge in their little finger than your family doctor. And, don't think they don't know your entire medical history, because they do. So yeah, it's a good thing.
It's to the insurance companies' benefit that you receive the best treatment for your condition. It costs them less if you don't end up in intensive care because some doctor in a rush prescribed you some ineffective or wrong meds. For example, in the case of Humana, they contract out the med referral review service to an independent group of medical EXPERTS in their specific fields. If they find a disagreement between what they think and what your doctor thinks, they will call and conference with your doctor to give him the opportunity to explain his path and method of treatment if you have a unique case. It's usually a 24-48 hour turnaround.
If you are having trouble getting a prescription filled, it's likely because your doctor is dragging his feet explaining himself as to why he prescribed a non-standard treatment. It's Humana's policy to abide by whatever the independent expert panel recommends, no matter the cost of treatment.
So bottom line, health insurance companies are not your friend and don’t have your best interest in mind.
Really working, isn't it?
Yes.
$18,000 a year for a family of four because my wife and I are self employed.
Bookmark
Then, you may want to change insurance companies. They all don't operate as you describe. And, your right, their best interest is their bottom line. And, it isn't in their best interest to let some quickie diagnosis by an overworked doctor put you in the hospital by issuing the wrong treatment or prescription.
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