Friday, June 4, 2010

Insurance!

(Just remembered another issue to write about!)

So yesterday I went to the doctor about an issue I was having. She gave me a prescription and I took it to my local Walgreen's to have it filled. Nothing out of the ordinary. I passed the time waiting for my prescip by reading a magazine and finally heard my name called after about 10 minutes. I walked back to the pharmacy and had to wait for another 15-20 minutes before getting to the front of the line. The clerk gets my prescription and then tells me the total - $300.01!!!!! WTH?!?! AND THIS WAS THE GENERIC! I bought it because I needed it but I really thought about telling her no way (I should have told her no way and left). My brother told me today that Walgreen's does price matching, but it's too late for me since they won't do it after the fact. I get home and call my drug insurance and found out I have to meet a $1200 deductible before I get discounted prices (or co-pays as the guy from Caremark called them). I'm pissed. My insurance sucks A$$!!! (I know some of you (okay all of you) don't have a potty mouth like I do - please forgive me) I really really hate my "Consumer Driven Insurance Plan" that my company offers. I really do. I feel like I need to be on my deathbed before going to the doctor for anything. I had two moles cut off and sent to the lab for testing - uh that cost me $400 since UHC only covered 80 freakin' dollars. I had to get those moles checked , what if they turned out to be cancerous and I had just ignored them?!?!? I'm really at a loss as to what to do about my insurance. Shane has tried to get me on his, but we aren't married and they don't recognize us as "domestic partners" so that option is out, and he was really awesome to even look into it. I had the worst headache last night over stressing about this issue. Hopefully I don't get sick the rest of the year because I'll be screwed. What I don't get is why my antibiotic I got back in January for strep was so cheap - is it because it was an antibiotic??? Okay - I'm done with my rant but still really stressed. I wiped out my HSA account and really don't have a clue how I'm gonna make it the rest of the year as far as prescriptions and other doctor visits go.