We have new insurance as of Jan 1st. We've been on COBRA for several months while my husband transitioned to a new job (via a contracting agency). COBRA was crazy expensive...$1200 each month for the premiums and then whatever out of pocket costs were needed - prescriptions, copays, the pump supplies (and pump). I was eager for my husband to move to his new job permanently and obtain their insurance plan.
So here we are holding our shiny new insurance cards which reduced our premiums to $600 a month pretaxed. I thought we were sitting pretty. NOT! I first felt alarmed when I filled prescriptions for my son and I yesterday morning...prescriptions that cost us $40 per month total for both under the old plan. The bill yesterday was $106. I went home and called the new plan's pharmacy line to ask about it and start mail order service for Alex's main prescriptions: Novolog and One Touch Test Strips.
Old Plan 3 Month Mail Order Cost:
- Novolog: $80 (Buy 2 months at $40 each, get one month "free" via mail order)
- OneTouch Strips: $80 (Same Buy 2/Get 1 deal)
I've never had a pharmacy plan that didn't have copays. You paid a flat fee. Apparently our new plan doesn't do this. We pay 30% of the cost of the drug. Add insult to injury with a crappy mail order offer Buy 2 months, get 1 month half off the normal 30% cost to you.
New Plan 3 Month Mail Order Cost:
- Novolog: $253.98
- OneTouch Strips: $296.35
Explain to me why it should matter where you fucking work to change the cost of life saving drugs for your kid? Oh you work for this company? $20 for you. This company? $80 for you. That company? $656 for you. Oh you're self employed and can't afford insurance? Screw you I guess. Die?
This is what I hate about health insurance and for profit insurance companies and overpriced pharmaceutical drugs from companies that are making money hand over fist. How about not making me beach balls, beach towels, backpacks, water bottles, and pens with your company name on them and reducing the price of the drugs to a normal amount? How about not spending millions on commercials and 4 page magazine inserts on your drugs?
$3401 out of pocket per year for Novolog, Test Strips, and the prescription for Ben and I. And I haven't even covered ketone strips, pump supplies and CGM supplies...yet. I couldn't ask about those yesterday. I was too busy breaking out in hives...which hopefully won't require another prescription.