Another reason to be in favor of health care reform
Without getting into the details of my medical condition, last week, my doctor made a diagnosis, and wrote me a prescription for meds that she said should get me back to normal. So, I took that Rx to the local CVS, and planned to pick it up later that day.
I went to pick it up, and they said there was a problem - my insurance wouldn't cover it without getting a prior authorization from my Doctor. So I filled out a form, and they faxed that to the doctor. I then talked to the nurse on the phone, and she said, that they would contact my carrier directly.
Then I called CVS, and they said that they had not yet gotten the okay, but to call again in the AM. I had to fly up and back to Chicago the next day, so they get an extra day to get this done.
On Wednesday, I called the CVS, and they said that they had heard from the carrier, but that they were not going to authorize payment for it at the dosage and frequency level the doctor had ordered. I called the doctor, and she was steamed. She said she would call the carrier directly, and to hold tight.
Thursday comes, and per CVS, the carrier is now saying that they will cover a lower dosage/lower frequency. I'm not sure that this is a good idea, and I call the doctor again. She is very angry with the carrier by now, as they had told her that they would. She calls them again, and tells them that she is the doctor, not them - and the meds (75 mg, twice a day) is what I need for the treatment to be effective. They say that they will get back to her on Friday.
Friday comes and goes, and they still have not given the okay. So I head out of town to visit with some friends for the weekend.
Monday, I call over and the insurance company has offered a "compromise" of one 150mg pill per day, but that jacks my copay from $80 to $150! The doctor apologizes, as I may need to be on this medication for years. She does tell me that I should buy a "pill splitter" and take 1/2 a pill twice a day.
Today, I head to the CVS, where I'm about to cough up the $150, when the pharmacist reminds me of a program that Fulton County has, that gets me a 50% discount on my copay. They apply that, and I'm down to $75 - which ain't great, but beats $150 on a monthly basis.
SOOOOO, with all of that said, I have been hearing again and again in the health care debate that people are scared of "a bureaucrat being between the patient and the doctor". Well, lemme point out the obvious - there already IS a bureaucrat between you and your doctor - and they work for your insurance company.
I pay for my insurance directly - as a small business owner I feel that it is a requirement to have, you know, just in case. But even so, I do NOT feel that I nor my doctor are in control of my health care. Some faceless insurance drone looking at a spreadsheet is.
A second point to note - you know that 50% discount? The benefit of a GOVERNMENT PROGRAM, and that part took 60 seconds to resolve - not the week and a day that Blue Cross and Blue Shield put me through because they didn't want to cover the costs of the meds that my doctor said that I needed.
So, those who are against reform - perhaps you can explain why this craptastic system is worth preserving, and why a government option would signal the end-times.
This is just one example of the problem - but it certainly impacted me. I doubt that I am the only one with a story like this, though.
Labels: health care, insurance, reform

