I just got back from the pharmacy. Had to pick up a med for my wife. It seems our insurance plan, orchestrated by Aetna, seems to have "changed their policy" thanks to the New Year.
Before 1 Jan 2008, we paid a $30 dollar co-pay for this medication to receive 30 pills that presumably (according to the receipt I have) would have cost $98.66 if I had paid it outright. Okay. I get this. This is why I pay into my "plan."
Today, after the first, my co-pay rocketed to $66.10. You see it's not "generic" and is a "Level 3" drug, not "Level 1." (Helpful nomenclature, huh?) It seems this is the insurance company's way of communicating with patients. "Ask your doctor to consider a cheaper alternative" they say.
Hey insurance company: since you're so frickin' smart, how about YOU communicate with my wife's doctor?
How about YOU take the time (let's see, if we made an appointment: 20 min to drive there, park, 15 min for the appointment, another 20 min or so to return - let's say an hour or so - or if we call: take a few calls to the office, have them phone in a prescription and make the office staff do work that cannot be reimbursed). Why don't YOU take the time? Aren't you guys "healthcare" companies as you suggest? Or could it be you guys are actually just financial businesses, and therefore CAN'T call?
Or could it be you want us to NOT make the appointment or change the prescription right away? Oh, I know, you're doing your part to "hold down the costs of healthcare," right?
So here's my question now that I had to fork over that extra $36.10: Who's gettin' my extra cash? You? The pharmacist? The drug company? My employer?
I wanna know, dammit!
Clever little scheme, you bast... no, let me calm down a second....
Thank you so much for reinforcing your covert rationing scheme once again.
And Happy Frickin' New Year to you, too.