Has anyone else had an insane amount of problems trying to find out if certain healthcare plans cover prescript
ions, cover doctors and what else?
I'd love nothing more than to enroll in an Empire Blue Cross Blue Shield plan as they have always been versatile with crossing state lines, including many different doctors in and out of network (based on the plans), but enrollment has closed until late this year, and I don't have this option with the junky NY state of health unless I want to shell out $320/mo. So, I'm considering enrolling in Healthfirst Silver tomorrow, because it's the only cost-effective plan regarding monthly premium vs. a realistic deductible, and would cover prescript
The problem I'm running into specifically is when I try to call the healthcare provider directly after noticing their drug formulary doesn't cover anything other than generic mesalamine and doesn't note the brand, having to be transferred to their CVS pharmacy to confirm what tier drug asacol would be in (to estimate the co-pay cost/coverage) and then wait on hold for 30 minutes while the healthcare provider and CVS talk to one-another, concluding they cannot determine how much the drug would cost, even with a prior-authorization.
This is what ticks me off. I did my research, I spent my precious time on the phone trying to find out if my current doctors would be covered, how much I might be looking to pay for an otherwise $800/mo drug with this insurance, and no one can tell me anything? Such bull.
I will not switch drugs or be apart of an insurance/pharmaceutical model where older drugs phase out of coverage to compete with newer drugs -- this is my life, my health, and everyone should have the right to know how much a prescript
ion drug may cost before purchasing insurance that barely covers jack to begin with.
Has anyone else run into issues like this?
Post Edited (stereofidelic89) : 5/11/2017 10:44:26 AM (GMT-6)