TAP wrote about stupid people who complain about their drug co-pays because they don’t read their insurance policy.
I don’t complain, but I have asked questions a couple times. Because I do read my policy. It quite clearly states that my co-pays increased this year. Drugs on the $5 list went up to $10 (most of my meds), the $20 list increased to $25, and according to my insurance company if I happen to need a medication in the most expensive category, it will now cost me $50 instead of $40.
This policy, however, doesn’t translate into the real world.
I understand that methotrexate increased to $7.40 over $5.60 because my dose increased. Yes, this is less with insurance than the cash price of $21/$14, and I appreciate it. What I don’t understand is why it’s not $10 or $25.
Why $3.80 for ibuprofen or $3.86 for piroxicam? How does that $10 co-pay sometimes become $7.25 or $3.10 when the cash price of the drug is well above that amount?
Is all of this to keep me from squawking when I’m charged $10.99 every month for my plaquenil? It works. I pay that extra $12 per year because it seems like I’ve saved even more on other meds.
Read my policy on prescription benefits? Definitely. Understand what the pharmacy charges? Not a chance!