Why People Hate Insurance Companies

Hello My Dear Friends. We all know that life without health insurance can be difficult and costly. But dealing with insurance companies can actually be hazardous to your health. Here's a case on point. The captor gets a monthly prescription for her cholesterol. With her prescription plan she was getting a 90 day supply from her local Walgreens for about $16. Then, she was informed by the devil, I mean her health care provider, that they would no longer pay for a 90 supply unless she went to their provider CVS. She informed the devil that there was no CVS in the City of Syracuse and had her doctor write the prescription for 30 days. This cost $4.33 a month. Two months later a letter arrived from the devil saying they would no longer pay for the prescription at all unless she went to CVS as this was the least expensive option. The captor once again explained that there was NO CVS Pharmacy in Syracuse. She was told to order on line. Fine! Caremark, the prescription side of her health plan, said that she was required to use their provider, CVS, for any long term prescription and, if there was no local pharmacy, the on-line pharmacy would ship the prescription with no shipping charge. Fine! So, the on-line account was set up. The 90 day prescription was rewritten. Total out of pocket cost...$61 every 3 months! Call me crazy but I fail to see the cost savings here. So the captor calls the devil AGAIN to explain that their "cost saving solution" was INSANE and here's the conversation that ensued:
Devil: "According to your policy, all long term prescriptions must be provided through CVS Caremark. If you choose to continue to fill your prescription at Walgreens that prescription will not be covered. Therefore your out of pocket cost would increase accordingly".
Captor: "But I'm currently only paying $4.33 a month. With your plan I'll be paying over $20 a month. How is that a cost savings"?
Devil: "Your current copay is low because your prescription plan is paying the remainder of the cost. Your payment will be much higher without the prescription plan payment, making your overall out of pocket cost through CVS a savings to you".
Captor: Am I being punked?
Devil" "I don't believe so mam".
Captor: So, what you're telling me is that your refusal to pay for my prescription, as you have been doing for months now, is actually saving me money even though it's costing me more?
Devil: "No mam, I'm trying to explain to you that you have the option to continue filling your prescription as you always have but you will no longer realize the same savings as you have in the past".
Captor: Because you're no longer going to pay for it.
Devil: "Correct. So the savings comes now from your on line prescription".
Captor: You have to know that makes no sense. Do you hear what you're saying? It's nonsense.
Devil: "No mam. It's your policy".
Captor: You have yourself a really swell day.
Devil: "Is there anything else I can help you with today"?
Captor: No, you've done quite enough...
That, my friends, is why people hate insurance companies!
Po