Health Plan Deductible
September 16th, 2009
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Question: How do health insurance plans apply a deductible to prescription medicines?
My insurance (Unicare Platinum PPO Performance) says there is a $25 copay on brand name prescriptions. It also says there is a $200 deductible on brand name prescriptions. Last Friday I picked up Levaquin and I had to pay $150. They said it’s because I haven’t met my deductible yet.
So how does that work? Do I have to pay regular prices on brand name prescriptions until I’ve paid $200 during the 12-month period before I can start paying $25 per prescription? I thought the copay started automatically. I guess I was naieve.
Answer: That’s where the insurance company gets you. Yes, you pay out of pocket entirely until you meet your deductable.
The next time you get a prescription make sure to ask your doctor for a medication that has a generic available. Levaquin has no generic as of yet, but a drug in the same class called Cipro does, and that little change could’ve saved you from having to pay out of pocket, you would’ve paid just your generic copay.
Unfortunately, if you don’t know much about medications, insurance companies can get out of paying for medications.
Always ask when your bill is high if there was something similar your doctor could’ve written that would save you money. The pharmacist can always call your doctor and request that a medication be changed.
Items on Amazon Right Now for Health Plan Deductible:
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STOP Buying Health Plans and START Buying Health Insurance!: An Easy-To-Understand Guide to the How and Why of Consumer Directed Healthcare (HSAs, HRAs and Deductible-First Medical Insurance) $9.57 We are all excellent consumers. We collectively have no problem clearly identifying what we want, how we want it and when the price is right. We make our educated presence known in almost every marketplace except one healthcare. Managed care and its first dollar benefits have created a problem and the solution is consumer directed healthcare. We can fix our system of healthcare and your secon… |
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Impact of Type of Insurance Plan on Access and Utilization of Health Care Services for Adults Aged 18-64 Years With Private Health Insurance: United States, 2007-2008 $1.99 National attention to consumer-directed health care has increased following the enactment of the Medicare Prescription Drug Improvement and Modernization Act of 2003 (P.L. 108-173), which established tax-advantaged health savings accounts (HSAs) (1). Enrollment in consumer-directed health care products has increased over the past several years (2). Consumer-directed health care may enable individu… |
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To amend the Internal Revenue Code of 1986 to expand health coverage through the use of high deductible health plans and to encourage the use of health savings accounts. $9.34 The BiblioGov Project is an effort to expand awareness of the public documents and records of the U.S. Government via print publications. In broadening the public understanding of government and its work, an enlightened democracy can grow and prosper. Ranging from historic Congressional Bills to the most recent Budget of the United States Government, the BiblioGov Project spans a wealth of gover… |
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