Rant about my stupid stupid insurance company (aka WE NEED A NATIONAL HEALTH CARE SYSTEM)

[gollygee]

My 5-year-old daughter was at the doctor today because of a health problem and she needs a prescription.

So I go to the pharmacy to get it and I'm told my insurance doesn't cover it. It's $65. No explanation as to why. The pharmacist doesn't know.

We have money in our flex spending, so I try to buy it with that, and The Card Is Declined. The card for which I just got a statement saying we still have $400 in the account. The Card is ROUTINELY declined for no reason. NO REASON. ROUTINELY. Flex spending is the biggest rip-off on the planet. We will never put money into flex spending again.

Now, I have a couple of days' worth of samples, so I can try to find out what the hell is going on. And I have means to pay for this in other ways if I can't resolve it. And my daughter won't die or anything if she doesn't get this prescription, though she will be very uncomfortable. Did I mention she's only 5 years old?

What do people do whose insurance companies do this and who don't have money to pay for it in another way?

This is DRIVING ME CRAZY and I am very very angry.