General Discussion
In reply to the discussion: I'm PISSED!!..need a little help from the smart folks here... [View all]TheKentuckian
(26,314 posts)so I think you are stuck and sadly, have to count yourself fortunate that they didn't put a step therapy requirement on your medication like the rest of the tier.
My suggestion is to go ahead and set up the mail order. Many policies have a one time emergency fill at the local pharmacy if you need it right away but if prior authorization is in place then it is possible that Optum can get your medications overnighted.
I just don't see how it is worth the effort trying to appeal or to get an exception because it will probably go nowhere unless your doctor is bulldog that knows the criteria better than they do for this but sure understand your frustrations. I also think they have enough legal language to make it near impossible to have an insurance commission do anything to rein them any.
Health care is just not a rational market and it is pretty much crazy to treat it as such so folks end up like you, a captured consumer that is fully dictated to by the seller.