General Discussion
In reply to the discussion: This message was self-deleted by its author [View all]TheKentuckian
(26,314 posts)They have the simplest criteria and formulary is easiest get an override on. As far as I can tell, if you have a condition where it is generally agreed that a treatment is effective then it will be covered with little mess at all.
Off label and experimental applications, you may have some trouble but FDA approved comparably simple compared to most.
I suggest Will approach the manufacturer for help, that is often the last line of defense nowadays but you generally will have to be in a situation where they will not cover a formulary alternative for you either.
There are some charitable foundations but funds are very limited because they have been hit up hard for the past few years.
Is this Obama's fault? Of course not.
The problem is of course these maddeningly stressful, quality of life, and even life and death issues were not taken from our plate and this is because mostly we do not have systemic reform but rather what we actually did was really more closely align the individual market with the large group market and improve access via a hodgepodge of approaches in exchange for guaranteed customers and a mainline to the treasury so the deal is over sold.
A lot of people looking for relief will find none, we have the same system as before with some curbs on SOME of the roughest edges. This has turned out to largely be standardization, which is a good thing because the individual market was fucking Thunderdome crazy town but it is still very ugly.
Satisfaction with large group plans is driven by lack of use and employer subsidy, folks that have to use it tend to hate it almost as much as individuals because of the hell they put you through and the costs start to show up beyond premiums and copays.