Tag: "insurance"

Not All Pharmacies Are Created Equal

neon pharmacy sign

I know from past experience that all prescriptions are not created equal, no matter whether you have a prescription plan or not. This week I had to get a prescription refilled and learned that not all pharmacies do things the same. Due to the dosage of thyroid medicine that my doctor has me on, I have to take two pills per day. Many years ago I only had to take one but I need such a high dosage now that they combine two lower dosages. I transferred my prescription to Target last week. When it came time to pay for it they charged me double the usual price because there were 60 pills. The difference was $4, which I know is not a lot but it’s the principle. No matter what type of insurance you have, whether it be a great medical plan or an affordable dental plan, I have one piece of advice. Know your coverage. And your pharmacy.

Listen to the moneytalk

At work we were informed last week that there is a mandatory meeting on 03/25 for all employees regarding our health insurance. People who don’t attend will have no health insurance as of 04/01. People who do attend will be learning of changes to our coverage. I realize there isn’t anything I can do about the changes as an employee. But what strikes me as unfair is that employees aren’t being told about changes until 1 week before they take effect. Whatever happened to corporate responsibility? Why are they choosing to keep it a secret? Don’t they care about people that have been under continued treatment or have treatments planned? I have a feeling that there will be more bad news at the meeting. I’d much rather it was a meeting about cheap term life insurance than our health insurance.

AC/DC says it all. ”Money talks, B.S. walks”

A visit to a plastic surgeon’s office

We took CJ to the plastic surgeon today as a follow up to last Friday’s visit to the ER. As soon as we walked in there was a sign on the desk that said “WE DO NOT PARTICIPATE WITH ANY INSURANCE”. Freaking wonderful. I looked at RB and he said “well, who do you think paid for the marble countertops?” I filled out the six pages of paperwork and decided to grab a seat. There were some lovely looking couches on both sides of the waiting room, they were comfy and really nice quality. There were framed articles on every wall featuring stories about the group. The doctor was 30 minutes late. For what patients are paying out of pocket you’d think he’d be on time. He said things are looking good and when we come back in two weeks we’ll be able to see better because the swelling will have gone done and the scab fallen off. I’m praying the scar stays on his lip and doesn’t go onto his face.

Why would an atypical person have typical pain

I started having knee pain again back in May. It was xrayed and found to be fine. It’s steadily gotten worse ever since. Last month on the day my niece was born, after seeing my niece and sister in law in the hospital I admitted myself to the emergency room. At that time the doctor told me that he thought it could be sciatica and that I should probably consider seeing an orthopedist and possibly a neurologist. Last week the pain changed, adding a sharp stabbing feeling up the thigh into the groin and hip, as well as in one side of my back. It’s become unbearable, so I went to the orthopedist yesterday. He looked at my old xrays of my knee and an xray from early summer and said there was a little arthritis but other than that no change. He said that the pain and symptoms I described were not typical of a knee problem so he wanted me to get an MRI of the knee. When I left the office one of the girls was going to get the insurance preauth underway and was going to call me when it was ready.

When I got home RB gave me a message that “the orthopedic office called and said the MRI wouldn’t be covered and to go to the hospital”. I asked him for the name of the girl that called or if he could give me clearer sense of what was said. He could not. Typical. At this point he begins stomping around the house muttering that he gave me the message that was left and she hadn’t given a name. After ten minutes I finally reached the girl in the office who had called. Her message had been that my insurance didn’t require a preauth and that the procedure would be covered if I went to an in network facility. I called the hospital and got an awesome woman who got me an MRI scheduled for later that night. I told RB I was going over to the hospital to have the MRI and he had another tantrum, complaining that he’d never get any rest. (Two words came to mind here, they’re definitely not family friendly.)

I got there early and was told they were running a little behind so they comped me a cappuccino at the snack shop. By the time I got back it was my turn. They put me on a table, which they then raised up to the level of the tube. Into the tube they sent my bottom half, actually from about chest level down. I was given ear plugs and told it would be noisy. Man, they weren’t kidding! I’ve been told people sleep through them, I can’t imagine how with all that racket. I’d been instructed not to move my legs, which got challenging after a while since I was in the tube for forty minutes. Finally the guy came back in and backed me out of the tunnel and lowered the table. I retrieved my things and went home. Now I wait for the results.

I’d like these surprises more often

I have to pay our car insurance tonight or tomorrow. Now while I don’t look forward to it because it’s a big chunk of money that I have to lay out, I’m not minding it as much this month. Our policy recently renewed and I got a really nice little surprise. We make one down payment each year along with nine monthly payments. We have two months of no payments. I was pleased to discover that our monthly payments had decreased by $28 this year, which over nine months is a nice little amount of savings. I’m really thrilled to have gotten this little surprise! I’d like more surprises like this one. I can honestly say I’m happy with our car insurance. I’ve priced it against other insurance companies and ours is $200-$400 lower every time. Are you happy with your car insurance?

The few, the proud, the stolen

Late last week I heard a report on the local news that a laptop belonging to the health insurance provider Horizon Blue Cross Blue Shield had been stolen. On it was the personal information of 300,000 or more of its subscribers. As it turns out, I am one of the 300,000. Now I have lots of issues and concerns with this entire situation, some that I will address later. But the foremost in my mind is my credit and what might happen to it. It certainly isn’t great, but I’m sure the wrong people could make it worse.

Had I been a member of LifeLock, I wouldn’t be worrying about this nearly as much. LifeLock is a company that protects people against identity theft. When you join LifeLock you’re signing with a company that guarantees to pay $1,000,000 if by any chance they fail at protecting your identity. Signing up will also reduce the amount of junk mail and preapproved credit card offers that end up in your mailbox, which are among the leading causes of identity theft. If you worry about identity theft, as many do, check out LifeLock. Your life should be only yours.

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