I'm PISSED!!..need a little help from the smart folks here...

[sharp_stick]

11. Because it's company sponsored

your company, or your husbands company, should be the one contacting you regarding changes in insurance. A lot of times these changes are blatant money savings so they'll fine print it to try not to look like total assholes. In truth when you find out about the changes it just makes it even more aggravating.

During the last enrollment I wonder if they had a small print notice about switching to a mail order system? I hate that kind of BS with a passion, by the time you notice it you're screwed and in the system. UHC pharmacy consolidated with OptumRx at the end of 2012 pretty much putting you in the bind you're in.

Our company switched our (CVS Caremark) prescription plan to a "co-insurance scheme" where instead of paying $30 for a 90 day supply we'd now have to pay at least $30 and up to $200 (based on a 50% of retail) for a 90 day supply.

I take a medication that costs well over that and would have had one hell of a time coming up with a spare $800/year. Luckily my wife read the fine print and I was able to get in on a copay assistance program with the drug company.

You are unfortunately probably stuck until re-enrollment. My suggestion would be to switch all of your medications to renewing mail order if you can. Make sure your Doc has 90 day prescriptions listed with OptumRx each with at least one preferably 2 renewals giving you 9 months of medication without need of a doctors contact. If you can time them so that you can renew them all at once with the Doc that will also make it a little less troublesome.

And a suggestion from a medical professional. Try to never let yourself be caught without at least 7 days of vital medication (21 days preferred for non regulated) before getting your refills in order.