You know, it just seems like insurance tries to get out of everything that they’re supposed to be responsible for. I had to fight with them to get my orthotics covered. I have flat feet, they have a lot of problems. There should be no question about this – I need orthotics. They fought it. I and my doctor fought back. We eventually won. Yay us. On the downside, I spent nearly a year fighting over my allergy shots, which they had told both me and my doctor would be fully covered, both the serum and the shots themselves, only to turn around and tell me that I owed $15 on every shot (twice a week for half the year, then once a week – this gets pretty expensive.) Just a couple weeks ago, I gave up – I can’t deal with the stress anymore, so I give in. They win.
I’m also on the generic version of Allegra – cheap, yes? Well, you’d think so, but not according to them. First off, it’s “tier two” in their program, meaning I don’t pay generic prices for it but the next level up, whatever that means, but it costs $25 rather than $10. But here’s the thing: they randomly decide that generics no longer fit into certain tiers and move them up. So, as I found out today, starting May 1, that generic Allegra is now going to cost $45. This is ridiculous. It’s a generic – the whole point of which is to cost less. Now it costs the same as the name brand. What is the point? I don’t get it. Am I missing something here?*
The best part is that in their letter, they “helpfully” suggest alternatives to fexofenadine (generic Allegra,) such as over the counter Claritin, stuff like that. Hello? If that worked, I’d be taking it! I tried it for months and didn’t really notice much of a difference. The first time I met with my allergy doctor he said “stop taking the Claritin, it won’t work for your problems.” This just proves that insurance companies are not out for your own good. Directing people, who have gone to doctors for specific help and gotten specific drugs, toward just any old OTC drug does not have the people’s best interest in mind. Hey, I realize they’re a business and they need to make money, but they need to realize that to keep making money, they need to keep providing me, customer, with services that actually suit my needs. The biggest need I have is covering my damned prescriptions at a reasonable rate.
*No, I’m not missing something here – I realize that there’s the possibility that they’re being “encouraged” by Sanofi-aventis, the drug’s maker, to nudge people toward the real-deal, since they may very likely begin offering all kinds of incentives to get people to switch. Watch and see – I’ll bet the market will flood with coupons from the manufacturer over the next few months. Either that or there’s a new product on the horizon that they’d rather us use because there’s a better profit margin there. Whatever it is, this move is designed solely to cushion their wallets, either by routing people to more expensive and profitable drugs, or to go to OTC drugs that don’t cost the insurance company anything (they make up for it in other ways, believe me.)