Medicare Part D - one more idiocy
One more idiocy of Medicare Part D. I turned 65 this month, so I switched from my previous health care plan to Medicare and from no drug coverage to Medicare Part D under a plan sponsored by Humana. Recently, I called the pharmacy to order refills on one of my prescriptions and forgot to tell them I was under a new drug plan. When I went in to pick up the prescription, they handed me to drugs and the invoice for $22.50. At that point, I remembered that I was now on Medicare Part D and handed them my card. Since the plan I'm on has an initial deductible of $250.00 I knew I would pay the full price of the drug, so I began to write a check. The pharmacist warned me to stop because the price would be different under the plan. Bingo, the approval from Humana came through, and the pharmacist had to charge me $28.50, six dollars more that I would have had to pay when I was uninsured!
Tell me how that makes sense.
Tell me how that makes sense.
3 Comments:
The question is, for whom it makes sense, no?
Seems to me that you are now part of a more captive market, and the pharmacy and/or drugmaker are able to eke out $6 more profit from you. That must surely make sense to them!
Alternatively, or additionally, the pharmacy and insurer may be charging you for their paperwork in tracking your deductible and so forth. That would make sense to them as well.
What, did you want this to make sense for you?
Silly me.
Wait until you see how the "drug costs" are calculated to make it through the first $2400 -- your blood might boil!
Keep in mind that you do not NEED to use the card, if an "uninsured" medication is cheaper. I have some from WalMart which cost $4.00 but would be more if placed under Humana. No choice for me. XUK, in Virginia
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