August 15, 2007
Wednesday, August 15th, 2007Made a huge mistake today. I opened the mail. No bills thankfully, but something far worse. It was a “notice” from my health insurance carrier that the terms are, once again, changing. Between wife’s policy and my own, this seems to be a common thing. In the insurance companies quest to drive down costs, a lot of pressure is brought to bear upon its clients to use generic medications. As a generality, I have no problem with that. The insurance company is in business to make money. That is the whole point of being in business. My frustration is two-fold:
After decoding insurance-speak of “non-formulary brand”, “formulary brand alternative” and “tier 1, 2 or 3 payment levels”, it seems that an ever escalating list of medications I take are “tier 3″ meaning my copayment is at the highest level – meaning an ever increasing dent in the family budget. Plus,
As a generality, I get along fine with generic medications. However there are two in particular struggle with. I take great issue with the following statements in the insurance company’s notice: “Remember, the generic medications work the same as brand name drugs – in dosage, strength, performance and use….” Well, no, they do not in my personal experience. One drug I take is a statin for which there is no generic. I have taken other brands and generics of statins with severe allergic results. In my case, there is no alternative. Insurance company response? While diplomatic, the end result is “tough”. For another medication, I have better results with the brand name but have chosen to tolerate the generic as there is a huge difference in the cost, so I deal with the side-effects. So, if the medication is “the same”, why does my body react differently? Apparently it is the “fillers” used to package the active ingredient(s). Treating the human body is not an exact science as everyone reacts differently. In my experience, every medication, including over the counter, has side-effects. Even an aspirin.
Do I have a magic solution? Of course not. No matter what type of healthcare system we have there will be rules. If there are rules, someone will be an exception (I excel at that). If a rule was written that was so broad it included every human contingency, there would be no point in writing the rule. Plus, an open-ended system would be impossible to fund. I told you I made a big mistake today by opening the mail. Now I have a headache.












