Free Republic
Browse · Search
Bloggers & Personal
Topics · Post Article

Skip to comments.

Insurance
SoCalTeresas

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?


TOPICS: Health/Medicine
KEYWORDS: vanity
Navigation: use the links below to view more comments.
first previous 1-2021-4041-6061-69 last
To: SoCalTeresa

Ok good, I am not a pharmacy benefit expert by any means, just know if it under review something has changed.


61 posted on 11/27/2021 3:58:40 PM PST by markman46 (engage brain before using keyboard!!!)
[ Post Reply | Private Reply | To 34 | View Replies]

To: SoCalTeresa

I just retired and am looking for healthcare coverage.
Here is one site: https://www.coveredca.com

I just went to https://www.coveredca.com then along the top clicked on Compare Plans and they have some PPO plans from Blue California and health net. My dentist only accepts PPO.

The monthly charge for healthcare does not look expensive for some plans while others can be over $1,000 per month.
Dental is less then $53 per month. I am lucky that I only need to see a dentist 😁

I do not really know what is a good plan and what the difference between a HMO and PPO plan is.
What happens when I do go in for say a healthcare checkup or something serious comes up?

The dentist I know looks thru the new boat catalog when I show up 😁

I guess I will need to spend time comparing plans. I have the company plans as a reference. I paid $3,132 this past year or $261 a month. Now retired I would pay double that for the same coverage as the company is not paying the other half.

Question: Does Medicare pay for everything?
I am 63 and 1/2 and can afford private insurance but of course would like medicare to pay one day.

They have bronze, silver, gold, platinum plans.
Platinum: highest premiums, lowest out-of-pocket costs
Gold: higher premiums, lower out-of-pocket costs
Silver: lower premiums, moderate out-of-pocket costs
Bronze: lowest premiums, highest out-of-pocket costs


62 posted on 11/28/2021 1:06:20 AM PST by minnesota_bound (I need more money. )
[ Post Reply | Private Reply | To 1 | View Replies]

To: lizma2; SoCalTeresa

Second on GoodRx. Saved us a lot on money over the years.


63 posted on 11/28/2021 1:24:41 AM PST by mad_as_he$$ (This will be a hot extract.)
[ Post Reply | Private Reply | To 9 | View Replies]

To: eastexsteve
No, it isn't necessarily a bad thing. There is a helluvalot of medical malpractice these days.

And malpractice is stopped by a paper pushing bureaucrat who that has no more training in medicine then your average monkey and is looking to pay out as little as possible because that means bonuses for him.

O-kay.

Would you like to buy some ocean front property in Arazon?

64 posted on 11/28/2021 9:15:27 PM PST by Harmless Teddy Bear (add a dab of lavender in milk, leave town with an orange and pretend you're laughing with it)
[ Post Reply | Private Reply | To 52 | View Replies]

To: Harmless Teddy Bear
And malpractice is stopped by a paper pushing bureaucrat who that has no more training in medicine then your average monkey and is looking to pay out as little as possible because that means bonuses for him. O-kay. Would you like to buy some ocean front property in Arazon?

Looks like you already bought it. Go back and read my original response.

65 posted on 11/29/2021 5:50:39 AM PST by eastexsteve
[ Post Reply | Private Reply | To 64 | View Replies]

To: eastexsteve
I did.

Your assertion are nonsense.

Insurance companies do not give a damn about you or your health. They only care about how much money they can squeeze out of you and with the help of the US Congress they can squeeze a lot.

The doctor can at least be sued if he gives you the wrong medicine. Suing PPB because some clod switched you to another medication that they did not realize (or care) went through a sulfa wash and so you ended up in emergency, not so easy.

Not even a realistic story.

But I am sure the PPB's tell this fairy tale to their children at night.

Oh yes, daddy is protecting people from big bad doctors.

Bah.

66 posted on 11/29/2021 9:02:51 AM PST by Harmless Teddy Bear (add a dab of lavender in milk, leave town with an orange and pretend you're laughing with it)
[ Post Reply | Private Reply | To 65 | View Replies]

To: eastexsteve
It's Humana's policy to abide by whatever the independent expert panel recommends, no matter the cost of treatment.

And somehow PPB always manage to chose the one that is the cheapest and does not work.

Humana is undoubtedly the worst health insurance in the country. Killing more people per year then anyone besides Baby Killers Incorporate.

67 posted on 11/29/2021 9:06:26 AM PST by Harmless Teddy Bear (add a dab of lavender in milk, leave town with an orange and pretend you're laughing with it)
[ Post Reply | Private Reply | To 53 | View Replies]

To: Harmless Teddy Bear
Your assertion are nonsense.

My assertion is based upon fact. I know how the system works. I have relatives at high levels in the business. Your assertion is based upon paranoia.

The doctor can at least be sued if he gives you the wrong medicine.

And, he still can be if he does. But, there is much less chance of that happening if his particular treatment is being peer-reviewed by a group of specialists in dealing with your condition.

68 posted on 12/01/2021 5:41:23 AM PST by eastexsteve
[ Post Reply | Private Reply | To 66 | View Replies]

To: eastexsteve
BS.

You group of "oh so qualified specialist taking checks from the insurance company" some how totally missed that the cheaper medicine they wanted to give him went through a sulfa wash. And more then once. Because they are stupid, or can not read or are just evil. This was something that his doctor caught several times.

I will put my real life experience up against your "relatives in the industry" any day of the week and twice on Sunday.

69 posted on 12/01/2021 9:56:48 AM PST by Harmless Teddy Bear (add a dab of lavender in milk, leave town with an orange and pretend you're laughing with it)
[ Post Reply | Private Reply | To 68 | View Replies]


Navigation: use the links below to view more comments.
first previous 1-2021-4041-6061-69 last

Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.

Free Republic
Browse · Search
Bloggers & Personal
Topics · Post Article

FreeRepublic, LLC, PO BOX 9771, FRESNO, CA 93794
FreeRepublic.com is powered by software copyright 2000-2008 John Robinson