I have yet to meet an insurance plan that I like...
Last night I went to refill insulin and was nonchalantly told by my friendly neighborhood pharmacist that it would cost $206. She seemed genuinely surprised that I thought something was wrong with this. (Side note: it's usually $50.) She suggests that I may not have met my deductible yet, which I knew that I had. So I call my insurance company, who calls my prescription plan company to figure out what's going on. Does anyone else remember having one insurance company for doctor visits and meds, or am I hallucinating this. Anyway, I find out that the deductible's met and it's standard practice for them to have the patient pay the "co-pay", which was $206, and then they send a check to reimburse. Why in the hell can't they pay for it up front when they know they're going to pay for it anyway. I don't know how many people on my friend list regularly take prescriptions, but are your insurance companies doing the same thing? At work, most of the people I see are uninsured, so I don't have much to compare it to. This rant makes me feel geriatric...