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What does your insurance do????

Discussion in 'Parents of Children with Type 1' started by fdlafon, Jan 20, 2010.

  1. sarahspins

    sarahspins Approved members

    May 5, 2009
    Each contracted plan sets their own rates, that's why.. it could be the "same" company or the "same" prescription plan, but the costs are wildly different from one employer to another. We had a change in our policy last October, where ALL of our co-pays just went up. We weren't warned at all, we just got new cards in the mail. Same insurance company, and otherwise the plan was the same, aside from the increase in costs. My specialist co-pay went up from $40 to $50.. I wasn't happy at all.

    I pay $55 a month for my Apidra.. and it's Teir 3. A Teir 2 would be $35. Teir 1's are only $10 (and thank goodness most test strips fall under this one).

    I've stopped trying to use mail order to "save" money - I've yet to place an order where they haven't somehow changed the RX so that I end up getting much LESS than expected. Very frustrating to get straightened out, and they don't seem to get that I'm not scamming them, that I really NEED these things. Personally, I'd rather argue my case at the counter at Walgreens if a mistake is made.. than to deal with it long-distance. Not to mention the savings is really not significant.
  2. fdlafon

    fdlafon Approved members

    Apr 22, 2009
  3. mandy092570

    mandy092570 Approved members

    Jan 13, 2010

    my son has coverkids insurance now so i pay 3 dollars per item so for the needles ,lancets, novolog,lantus ,strips, novolog needles cost $18 month Thanks God for Cover Kids
  4. hdm42

    hdm42 Approved members

    May 1, 2008
    $420 for insulin?! OMG! :eek: I haven't gotten insulin yet on CIGNA. I just got new scripts from the endo, so I guess I'll see what happens when I go to the pharmacy.
  5. JeremysDad

    JeremysDad Approved members

    Dec 28, 2009
    We are also on Blue Cross, Blue Shield and they have 3 tiers. Generics are tier 1. Name brands are tier 2 and all others are tier 3. Test strips are considered tier 3. There is no break for me if I order a 3 month supply. I have to pay for 3 months worth of insulin so I have elected to get everything filled monthly from our local CVS.

    What's funny is that a few days before Jeremy was diagnosed, I decided I did not need the flexible spending account. After diagnosis, I called our HR people who said that I cannot add it back for this year. Oh well!!! Will have to wait until next year.

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