End of the month health insurance bullshit
An American Healthcare rant:
My lifelong mortal enemy strikes again to make life difficult: So Sunday I sent in a prescription in for a refill because it ran out. Following my doctors plan, I was expecting to pick up a new dose for my antidepressant from 20 to 40 mg. I get a call from the office saying that the insurance company (Applecare) not only won’t cover ANY dose of that antidepressant, but “suggested” other drugs to take instead. Drugs I’ve tried before in the past which did nothing for me or gave shitty side effects. My current med doesn’t give bad side effects and is the only antidepressant drug that’s ever worked for me and changed my life for the better.
Long story short, I called the number on the back of my insurance card and it was resolved in 5 minutes. Which is the great coverage and service I’ve come to expect from Community Health Plan of WA. I’m incredibly lucky to qualify for this right now because I’m unemployed. I get full coverage. I am so grateful for this health plan. So, having this happen was a slap in the face.
At the end of the month, insurance companies try to deny patients any prescribed drug which would be expensive for them to cover to save money. Apparently this has been happening since before I was born. Insurance companies count on you not fighting them so they can save money for themselves at your health expense.
Even if prescribed by a patients doctor, and even if that patient has tried every other available RX for that condition. If I had to pay out of pocket, my medicine would be $250-300 A MONTH for 30 pills. Which is what I’ll have to pay when I get a job again since most health plans don’t cover shit for prescription drugs, like my last plan with Kaiser Permanente. Hopefully I will know by the end of the day if this is resolved. Fuck you insurance companies.
Due to current prescription drug laws, it will be another 18 months before this medication is generic. AKA Affordable. That is if Trumps pick for the Supreme Court doesn’t throw out The Affordable Care Act and brings back “pre-existing conditions” to deny coverage.
So, if you need to refill your prescriptions today, expect denial by your insurance company. Hopefully, it will be resolved with a phonecall and be covered again. That is if you have a reasonable health insurance company like I do. I wish anyone dealing with our nightmare American healthcare system luck. This alone is why nobody should move to America.
I hope that I don’t have to go long without my antidepressant. If I have to, I can cope until Thursday when it becomes October. I’m already feeling sad because my Dear Grandfather passed last week, and not having my regular dose of medication doesn’t help.
I dunno what is making me the most grumpy… The stressful world we live in, the uncertainty of finding work, not socializing with friends or family much, or the preexisting state of my DNA which led to my current health conditions I manage.
I’ve been on this unwilling ride to a healthy mental health for 12 years. That is far too long. Going in, I expected maybe 5 years at most. I’m so tired of having my life on hold because insurance won’t cover my medication or therapy visits. I am really trying to be positive and believe that this year is the turning point. This is not for a lack of trying every other way such as self improvement tips, exercise, meditation, healthy eating, and so on. Half my depression is physical brain chemistry. The only way to treat it is with medicine.
This is why voting is so important this year. Trump hasn’t done shit to change the fucked up Healthcare system. Not that he has done anything to help anyone but himself and his cronies. I like Joe Biden. I doubt he will change much in the system thanks to how fucked up Trump has destroyed America. It’s simply a huge amount of work to recover from and so many burning issues to address.
God dammit, I just want to live in peace with minimal suffering. To make my way and have anyone struggling with medical conditions to not have to pay the equivalent of car payments for medicine. This system feels like its setup for you to fail. Going through the slow process of finding the medications to treat you is difficult. I am so fortunate that my daily survival doesn’t depend on my medications. Insurance companies don’t care about you. All you are is another expense while they pay their CEOs millions of dollars.
Thank you for reading my rant. How has your experience been with prescription drugs and the American Healthcare system?
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