Talking to HMO’s

My wife talked to Uni-care about our Prescription Insurance. Some of our medications are not on the formulary. They told her to talk to our doctor, because she can file a form that states that we have used all other medication options and this one is the only one that works. Last time we went this route, they said okay it is covered now just pay $45 for a month’s medication. We were getting one of my medications for a co pay of $7 for three months. Now the Pharmaceutical company says that since we have the prescription drug coverage provided by Medicare I can not get it anymore, this for a medication that actually works.

In my wife’s case it is a medication that is used for migraines, that she has been using for years. It may not sound like much, but $15 is a lot when you are on a fixed income. It seems like it never settles down, but is one issue after another of scams to take money from Americas seniors.

What is with our Medical Care?

We just came back from another trip to the University Pharmacy. It feels like everytime we pick up our medications, we feel like we are being robbed. America is the number one country in the world economically, but when it comes to medical care for our citizens we rank below some third world countries. Oh! Yes if you need a doctor you get help right away. There are plenty of doctors and medical help available. The problem is that it all comes with a price. The HMO system is a misarable failure in providing help to those who most need it.

They make the cost to us so high, that sometimes you have to go without just so you can eat and have a roof over your head. We have a new prescription coverage program, we did better without it then now. In fact before some of our medications were free and now we have a co-pay for most of our medications. We were getting our diabetic supplies free and now they just added a 20% co-pay.

I am going to keep track here of all the ways that we have been taken by the HMO’s and the Pharmaceutical companies.