New Year...New Insurance Cards

[EvilEmpryss]

And these stories are why I'm happy to drive the 80 mile round trip once a year to go to my VA hospital for my physical. The docs recertify my 'scripts, give me a new pair of glasses, and for the next year my meds arrive by mail on schedule and at zero cost to me. Veterans are treated a hell of a lot better now than they used to be.

[Pagan]

And why in hell do they expect us to know if their insurance is going to pay for blah drug? Considering how many damn plans there are out there, there's no way. If you want to know, here's a novel idea, call your damn insurance company and ask them.

Same with the HSA credit cards. I don't know what they'll pay for. It's not my plan!

[Andara Bledin]

My workplace is updating the dental insurance, 'cause the old plan sucked and was worthless beyond regular cleaning (and even then they'd want to cover that less often), and the new setup has a base plan that's fully covered by the company and 3 other plans that you can take instead that have additional fees associated.

We're a small company with only 35 people, and yet there are 4 options for dental coverage and something like 12 for medical.

I have no sympathy for idiots who don't take the time to understand how their own insurance works.

^-.-^

[BookstoreEscapee]

I would love to just tell people to read their damn book that came with the plan.

B-but...who the hell reads that!?

<raises hand> Oh! Oh! I've got this...
Never?

DingDingDing!!! You win!

We had a prize for you but the insurance company won't pay for it. Sorry.

[shankyknitter]

The only time I had issues with insurance was when my heath insurance switched over. I still get insurance through my dad since I'm still a collage student. When I first got the script filled it cost me $45. Ok not bad I can live with that. To go back the next time and find out its now $90. And then the pharmacist tried to tell me it'd always been $90 and that I'd never paid $45 for it. I had the receipt with me from the previous transaction. yup so now I'm paying $90 for a three month supply of my meds when without insurance they're only $20 more. And insurance went from costing $75 a month to over $500. yay for paying more and getting less, don't you love the US heathcare system?

[Zoom]

I would love to just tell people to read their damn book that came with the plan. You'd be surprised just how much information you could learn by doing that.

Unless, of course, the manual looks something like this:
http://failblog.org/2010/01/08/manual-fail/

[Iris Kojiro]

The first weekday after January 1, I seriously spent almost two-thirds of my day on the phone with various insurance companies trying to get new numbers for people who had not received their cards.

[Magpie]

My pharmacist is encouraging the bad behaviours you complain about - for some reason I have to pay full price and then submit a receipt afterwards. She sent me to go talk to the rep from the insurance to see if that could be rectified, and then (when I came back with the message that things seemed to be on order from their end) she called into the insurance company herself to see if she could clarify it. I felt bad, because I already knew it wouldn't work, but it was very nice of her.

[elsporko]

I find the best way to get around insurance headaches is to simply not have insurance

[Ironclad Alibi]

I find the best way to get around insurance headaches is to simply not have insurance

In that case I hope you don't get any real headaches, or other medical problems.

[Jay 2K Winger]

I ran into the "deductible resets Jan. 1st" scenario last week.

I live with my folks, who are gracious enough to not charge me rent, but part of the arrangement is I run errands for them, especially for my mother, who has some mobility issues. One of the things I do for her is pick up her prescriptions at the pharmacy at Giant. She reimburses me when I get back.

Well, I went to pick up her prescriptions last week, and her sinus medication (or whatever it was) cost me some $180. I paid for it, went home and told Mom, "You owe me some money." She realized what had happened, apologized, paid me back, and we said no more of it.