Insurance companies are the mafia with a license, truly they are. My dad, in the business for 47 years at the age of 75, told me this a long time ago, and it’s gotten worse.
We just received our Revised Aetna Policy Exclusions (R.A.P.E.) today. They have increased our deductible to $1000.00. My non-formulary brand name med is now going to cost me 50% of $400.00 per month. ($200.00). But my formulary generic brand meds, three of those, will only cost me a total of $37.00 per month, EXCEPT, I must have my meds, all of them, filled through the mail order 90 days script service to get that price on long term meds. Which means; I will no longer be able to readily pick up my Ativan at Walgreen’s if I happen to run out. Trust me; you don’t want to see me without my Ativan, please!
My doctor habitually fills my script for two doses a day for sixty days. It is a narcotic, so he feels more would be detrimental. Yet, my appointments are routinely scheduled for three months apart. I almost always run out before my next appointment, but he won’t fill it for 90 days so I can send it through the mail order script service, which only fills scripts for 90 days. He gets ill with me when I have to call his office, (nearly every 75 days), to tell him I need more. I have to fill these at Walgreen’s because the “Express Scripts” mail order service (yes that’s their REAL name) takes more than two weeks to process and deliver. TRUST ME; I have severe anxiety disorder, you don’t want me to go more than a few days without my Ativan. After three days, I can’t sleep. Six days with no sleep and I start hallucinating. Two weeks and I am liable to be crouched in a corner, sweating profusely, breathing heavily, with heart palpitations and a knife in my hand! “Get away from me! I don’t know who you are!” Seriously?!
I am an old lady, St. Peter is not going to say, “Oops! No, you can’t come in because you’re addicted to anti anxiety medications,” when I get to those pearly gates! He may not let me in for other reasons, but I highly doubt Ativan will be the primary one.
Insurance companies prey on our worst fears. We pay astronomical premiums, ($360.00/mo) every single month that we work, for what? Lord knows I don’t need a catastrophic illness to befall me wherein I would have to pay some royal sum of $350,000.00 for a heart attack or a stroke (that is, if I survived)…but preventative treatments are supposed to be covered at 100%. Wouldn’t you say my Ativan is preventative? Honestly now. Do they even want to know?
Please don’t give me any of that crap about Chamomile Tea either…been there, done that. Doesn’t work. Just give me my damned Ativan.