General Discussion
In reply to the discussion: So let me see if I've got this straight... [View all]ChiciB1
(15,435 posts)At least not that I can recall. BUT, I do have to agree with this. It's NOT because of ACA! I don't have ACA Insurance, I have an employer based Medicare Retiree Humana PPO. My coverage has been very good, I only pay the monthly Medicare cost and it includes drug coverage with my plan. I actually use mail order and my husband & I get many meds free.
BUT, this is happening to me too. All of a sudden I'm being denied insurance coverage on medications that I've taken for a very long time, month after month. Insurance company has never had to cover ANY adverse reaction these medications caused, and they call me all the time regarding Wellness Check-ups! Now, if they won't cover the meds anymore I will have to buy my meds by telling pharmacist I don't want them to go through my insurance. AND even though MY doctor already told insurance it's "medically necessary" they still denied the coverage! But what IF I can't afford the cost of the medication without my insurance covering it??? I DO WITHOUT!
So, now I'm faced with the prospect of paying extra out of pocket costs OR risk not having the medication that may THEN really cause a reverse reaction that I WILL have to seek OTHER medical attention due to the fact that I had medication denied! AND the adverse reaction very well could cause the insurance company to pay extra/more $$$$ because the medication actually WAS needed in the first place!!
THIS IS CRAZY and so wrong-headed! But it is THE MEDICARE FORMULARY rules that have been put in place, NOT ACA! A one-size fits all formula that seems to have more negatives than pluses!