0 Registered (),
123
Guests and
3
Spiders online. |
Key:
Admin,
Global Mod,
Mod
|
|
3239 Members
63 Forums
16332 Topics
210704 Posts
Max Online: 409 @ 01/17/20 03:33 AM
|
|
|
#113112 - 03/30/07 11:59 PM
Re: Insurance or Life?
[Re: Anno]
|
Member
Registered: 01/01/04
Posts: 678
Loc: Tazewell County, VA, USA
|
Anno...I'll listen to you whine. Insurance is a huge hole into which money is poured. I am constantly looking for decent insurance that's also affordable. HA! Might as well spend my time looking for the Holy Grail.
|
Top
|
|
|
|
#113113 - 03/31/07 01:09 AM
Re: Insurance or Life?
[Re: Thistle Cove Farm]
|
Member
Registered: 11/11/04
Posts: 3503
Loc: Colorado
|
Anno, I have bronchitis. I went to the doctor. The doctor prescribed an anti-biotic. I have insurance via husband's work. Our co-pay for prescriptions is usually $20.00. When the clerk at the drug store handed me my prescription, she said that it was $90.00. I balked. The clerk said that the doctor had prescribed a newer anti-biotic. I said I would wait while the pharmacist called my doctor to get an equally effective yet inexpensive anti-biotic. 20 minutes later, I had an anti-biotic for $7.00, under the cost of a co-pay. On the same day, my husband's work place (he is a restaurant manager) was catering an event set-up by pharmaceutical companies at the same health agency where I saw the doctor! So it's true that the drug companies woo the doctors so the doctors will prescribe their latest drugs. who pays? we pay!
|
Top
|
|
|
|
#113115 - 03/31/07 02:21 AM
Re: Insurance or Life?
[Re: Anno]
|
Anonymous
Unregistered
|
Tonight on ABC 20/20 is an episode titled "Tragic Pharmacy Mistakes" and behind the counter scams at drugstores and pharmacies.
|
Top
|
|
|
|
#113117 - 03/31/07 08:10 AM
Re: Insurance or Life?
[Re: meredithbead]
|
Member
Registered: 06/23/06
Posts: 3703
Loc: London UK
|
Baffling, Anno. I have become unfamiliar with insurance law in the US but surely, insurance companies, once insurance is taken with them, bear a duty to allow you to continue with medication which is suitable for your treatments regardless of costs. That is the risk they take and that is what your premiums are all about. I don't understand how they can move goalposts mid-stream of a treatment. I can understand where they can shift positions for new ones, but not with ongoing medical cases. It does not make business sense as well if the more expensive medication allows relief and the generic one takes longer to settle with. Is there a way where you can speak to your insurance company directly for future reference?
_________________________
<><
|
Top
|
|
|
|
#113118 - 03/31/07 08:45 AM
Re: Insurance or Life?
[Re: Lola]
|
Registered: 11/24/06
Posts: 2930
Loc: Belfast/Northern Ireland
|
good set of questions lola, especillie with essential mediasions like hart effecting drugs....
i cant belive but do belive the £90. --£7.00 diffrences in antibioticks....
the system baffles me and its diffrent heer so is stay out of it but it seems like a streange situasion anno.
_________________________
"Our attitude either gets in the way or creates a way," Sam Glenn
|
Top
|
|
|
|
#113119 - 03/31/07 10:22 AM
Re: Insurance or Life?
[Re: celtic_flame]
|
Member
Registered: 06/23/06
Posts: 3703
Loc: London UK
|
Hi, Celtic: We do have a counterpart in the UK where the NHS determines the costs for treatments. There are cases where the individuals become dependent on an expensive drug or course of treatments which the NHS refuses to cover at first instance or withdraws at mid-treatment because of costs. The argument always falls on duty rather than economics because the NHS is bound by an obligation and specific performance is compelled on that basis.
_________________________
<><
|
Top
|
|
|
|
|