Submitted by Rona_Gura on

Insurance Nightmares

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Health

My youngest daughter was diagnosed ten years ago, at the age of eight, with ADHD. Since her diagnosis, her ADHD has always been managed with medication. As Sydney has grown, we have had to change her medication from time to time because, at some points in her development, certain medications have stopped working. When changing prescriptions we have had to try different treatments as some drugs were not effective for her and she has had adverse reactions to other medications. For the past three years, however, she has been on the same drug, Concerta, which has been working incredibly well for her. As it is a controlled substance, every month either my husband or I venture to the neurologist’s office to get her prescription and then take it to our local pharmacy to have it filled.

 

On October 1, 2013, my health insurance carrier switched pharmacy plans. On October 2, 2013, I picked up Sydney’s prescription at the neurologist and dropped it off at the pharmacy. About an hour later I received a call from the pharmacy telling me that the insurance carrier was denying coverage as they had decided that Sydney should be on a different (less expensive) medication. Ironically, the medication that the insurance company was “pushing” was a medication to which she had a horrible adverse psychiatric reaction to, Vyvanse. I quickly called Sydney’s neurologist. Her receptionist told me that she had just finished a half hour call with my carrier having gone through Sydney’s entire medical history with them and convinced them that the current medication is the proper medication for her. My neurologist also spoke to my pharmacy and I was assured I would receive the medication the next day.

 

On Friday, October 3, I received a call from my pharmacist informing me that my carrier was still denying coverage. I contacted the insurance carrier and after several different calls and three hours on the telephone I was finally told that the coverage was denied because I had to use their mail order service. I calmly explained that Sydney was away at school and needed the medication and, thus, there was no time to fill the prescription by mail order. It took four days and countless telephone calls wherein I alternately spoke calmly, reasoned, pleaded, and cried (I am not above crying for my child) before I could get the insurance company to allow me to use my local pharmacy to fill this one prescription using a mail order override. I was specifically told that all future prescriptions for Sydney would have to be filled via mail order.

 

About two weeks ago, I received a telephone call from my neurologist’s secretary who told me that they had received a letter from my carrier also informing them that, going forward, Sydney’s prescription would have to be filled through mail order. Knowing that I needed time to get the prescription filled and then mailed to Sydney at school we arranged for me to pick up a prescription that day. My husband mailed the prescription out the next day and even paid an additional $12.00 to have the prescription expedited.

 

About ten days later (you have to wonder what expedited means), my husband received a telephone call informing him that the insurance carrier was denying coverage as 1. The insurance company would only consider Vyvanse for Sydney and 2. The prescription would have to be filled by the local pharmacy. In a two and one-half hour telephone conversation, my husband explained what had occurred the prior month and was able to again get Concerta approved as her medication. During the conversation, however, it was determined that there was a “glitch” in the carrier’s system, one side mandating “mail order only” and the other side mandating “local pharmacy only.” Again explaining that time was an issue as we had to get the medication to Sydney, we were told that they would again issue a mail order override for this month requiring us to get another prescription from the neurologist to be brought to our pharmacy.

 

Happily, we visited Sydney this past weekend and brought with us her medication. No one at the insurance company, however, can tell us what we have to do next month to get the medication for Sydney. 

Comments

Corey Bearak

This is absolutely ridiculous. I am curious which mail order pharmacy the insurance carrier uses. Generally mail order so the rule for recurring meds. I think the insured should have the choice and frankly a local pharmacy may be better in certain cases.
Mitch Tobol

I'm so glad it worked out but it seems like a full time job doing this!
Andrew Lavin

This is typical and as insurance carriers change providers, they are cutting more and more medications from coverage. Which by the way, requires a doctor to spend hours on the phone, and guess who gets charged for the time?
Sherry Rivera

We all know this is unacceptable but how to change it. Insurance companies are crazy people with pens and computers. So sorry you are going thru this. How about a Fedex or Certified letter to the President of the Insurance company or C Suite person ind charge of operations? Google, I would help you find the person.

Submitted by Cheri_Elferis on Mon, 11/18/2013 - 00:37

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Cheri Elferis

Awful. I sincerely hope there is a light at the end of this tunnel and that you don't have to go through this next month.

Submitted by NULL (not verified) on Mon, 11/18/2013 - 01:19

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Controlled substances are almost always retail pharmacy only. You can do two thins prior to the next fill. 1. get a copy of the authorization number. 2 call the mail order pharmacy and ask if this drug can be ordered by the doctor on a 3 month mail order special exception. Some policies will allow you to fill this way.

Submitted by Erik_Scheibe on Mon, 11/18/2013 - 01:35

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Erik Scheibe

We have been using mail order for quite a while. It was a pain to get set up, but is now delivered like clockwork and turns out to be significantly less expensive (90-day scripts rather than 30-day). Express Scripts is the company. Massive sluggish bureaucracies are horrific to deal with. I agree with Sherry that you should complain to someone higher up in the company.

Keep in mind, if you think it's bad now, wait until you are eventually dealing with government employees for such problems and there is even less flexibility or accountability :)

Submitted by NULL (not verified) on Mon, 11/18/2013 - 01:35

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same thing happened to me - it's a nightmare it finally got resolved after DAYS on the phone. BUT FOR ALL THE MONEY WE PAY - IT'S SHAMEFUL !
Cynthia Somma

One of the worst things about this is---the insurance companies base their "formulary" on which manufacturer will charge them less (and it changes all the time!!!)--They are not treating patients, they are treating wallets.
Shameful and disgusting.
I take Synthroid and it is filled thru direct scripts at my local CVS. Every 30 days I get a text that my RX is ready. Ok, It's for 90 days. Someone just get it together. I've finally asked them to stop with the automation. I can call like the good old days.
Giant hugs to you Rona!!!
I'm sorry to say, this will only get worse...stock up and get samples from the neurologist if he has any. xoxo

Submitted by Lucas_Meyer on Mon, 11/18/2013 - 02:44

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Lucas Meyer

Wow. And if ObamaCare survives, it'll be even more Kafkaesque.

Submitted by NULL (not verified) on Mon, 11/18/2013 - 03:27

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Quel nightmare, and for all the wrong reasons.
Is it fair to blame this on ObamaCare however? Other ridiculous things like this have occurred for years re medical insurance.

~ Iris

Submitted by Erik_Scheibe on Mon, 11/18/2013 - 05:27

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Erik Scheibe

Just want to clarify that I didn't (nor do I think did Lucas) blame it on Obamacare. It is important as Governor Christie said at the convention, to be "truth-tellers" (it would be easy to pile-on but we have to be fair). I believe Lucas was referring to when Obamacare fully takes over and I was referring to after Obamacare fails and we digress into socialized medicine (strictly my opinion/prediction). Do not be surprised if Hilary runs away from the President's "accomplishment" in 2016 and towards her own revised solution.
Fred Klein

We have a special Group called the Advocates which can help in situations like this.

Submitted by NULL (not verified) on Mon, 11/18/2013 - 09:31

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This is very scary and unnerving to hear. We rely on insurance to cover us and they seem only to think about their bottom line. Good luck!
Jane Jacobs

Rona, we must have the same insurance. I had a different but equally idiotic experience with my cholesterol meds.

For Sydney, can she get her prescription at school? My daughter brought a letter from her prescribing doctor with her dosage and that she was stable on it for several years. The health clinic doctors write her monthly prescription and she has it filled there.
Nancy Schess

Have been there exactly!!!!! Our insurance company tried to insist that Jaclyn switch her medication that has kept her stable for years to one that she had failed years ago and another that is not prescribed for pediatric use. I am not a screamer, but the insurance call just make me lose my mind. Glad it all worked through for Sydney.

Submitted by NULL (not verified) on Tue, 11/19/2013 - 05:39

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I have been battling the insurance company on the quantity of pills allowed for a 3 month period. Every time I fill it they change their story and I have to spent hours on the phone. When my mail order pharmacy changed recently, I think (hope) they finally got things straight. But it seems that they don't want phone calls because their phone number listed on the website is 000-000-0000.

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