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The Worst Insurance Company-Providers/Insured beware
Posted by HC&WC on 07/20/2009
TENNESSEE -- I am a in network provider for United Healthcare, for now. UHC goes out of their way to avoid payment to providers by demanding clinical notes and records with no reason at all but to put up clerical roadblocks. I received denials asking for the patient notes because "information on the claim submitted is either missing, not ledgible or incorrect". When I called and asked what information is missing or wrong they can not answer. When the reason for requesting the notes for a patient is invalid, why are the notes still required for payment to be made? They also ask for Clinical Submissions to be sent in to ACN Group (owned and operated by United Healthcare) for approval. Sometimes it is required and sometimes not. However on my last 6 UHC patients who did not require Clinical Submission, all of the claims for these patients were denied because clinical submission was required. When I called to find where the problem is, they apologize and state they made a mistake (actually dozens) and resubmit the claims only for me to receive denials again for the same reason. Finally I found that Clinical Submission was required for all 6 patients and now are refusing to pay because of their error. I have many UHC patients that will be effected by me getting out of network but I refuse to continue to do business with such an unethical company and am filing a complaint against UHC with the Insurance commission in Tennessee. I sincerely hope all providers who are in network with UHC does the same if for no other reason but to make them answer for their behavior. PLEASE, if you have an option for which Insurance provider you use, chose ANYONE but United Healthcare. Don't make your Doctor go through what I have. You and your provider deserve better!
     
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World's Worst Health Coverage
Posted by Candy296 on 10/13/2012
TRUMBULL, CONNECTICUT -- One star is way more than they deserve. I pay a fortune for the worst health insurance I've ever had. In order to avoid a $1,000 deductible, I have to get my x-rays and lab work done at facilities other than a hospital. I called United Healthcare to find out where I could get blood work and an x-ray done without incurring the deductible. Turns out there ARE no places where I can get both done, which is an outrage in itself. So, I went to 2 different places, 20 minutes apart. A couple of weeks later I got a bill for the X-ray! They told me where to go, then they charged me for it. It was in-network, on their list of approved facilities, and they sent me there, but I still had to pay for it. Great work, United Healthcare!! You're really on the ball there.
     
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Posted by Susan on 2012-10-14:
What does your policy specifically state regarding whether or not your deductible excludes the cost of x-rays whether or not they are performed at an in-network facility?
Posted by clutzycook on 2012-10-14:
So did you call them and see why you got a bill?
Posted by Starlord on 2012-10-14:
It is not United's fault that labs don't do the complete job at one site. As far as not incurring the deductible, dream on. My Medicare Complete policy is insured through UHC, and I am very happy. You just have unrealistic expectations.
Posted by Anonymous on 2012-10-14:
Going to an in network facility doesn't mean you are covered 100%. You will still have a deductible to meet. And labs don't perform X-Rays. So you will have to go to an imaging facility for the X-Ray. Imaging facilities don't perform labs. Not United's fault.
Posted by wjk898 on 2012-10-14:
What kind of policy is it? My UH deductible means anything and everything applies to the deductible after which they cover eveything. At humongous cost of course!

Not that it makes it any cheaper, by the way. Health insurance has become money extortion in this country and nobody is saying or doing anything about it. Do you know where that money for your health insurance policy goes? Do you know anything about the financial activities of your health insurance company? Of course you don't. Nobody questions why health insurance is more than double what it was 10 years ago...with NO and I mean NO NO NO big difference in costs paid to physicians, nurses, and all the other people who actually do the work! Biggest fleecing I've seen in all my 60 years. And nobody is asking questions. Obamacare is NOT the entire story - and in fact, mostly touted as an excuse! This business of escalating premiums - through the roof! predated Obamacare and nobody is calling out these crooks. $13,000 a year for an individual policy? Are you people nuts?
Posted by Discerning Consumer on 2012-12-02:
Beware of the UHC beast. I have witnessed first hand of their tactics. I had a favorable opinion became an employee . I became an employee and saw their deliberate miscommunication with enrollees and upper management condones it.I quit after nine months because I have a conscience!!!I tell all seniors I know to beware of the Beast-UHC.
Posted by Terry Smith on 2013-07-30:
Thank you for being truthful!
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Deceitful Practices
Posted by Cmyers900 on 03/23/2011
SALT LAKE CITY, UTAH -- My doctor office called to see if a procedure was covered by United Healthcare. United Healthcare stated I only need to pay my $20 copay which was great as I am in financial hardship along with the rest of the world. I even asked the doctors office again when I went for my appt. if I only owed the $20 and said yes per United Healthcare. I would NEVER of had the procedure done if I needed to pay more. I don't put myself into matters I can't pay for. I have my pride.

I get the procedure done and then get a bill for my deductible. I just about die when I opened the bill. How can this be I was reassured I only need to pay the $20 copay. Do you see something the matter with this situation? Then they try to tell me it was surgery. Surgery, a shot in the arm, implant placed by needle in arm, surgery are they on drugs? 15 minutes in the doctors office and they say I had surgery.

I can't believe that they can get away with being deceitful and rape people of their money. Doctors called, I double and triple checked that I only needed to pay the $20 and again told yes. I am so sick over this as I have to pick paying mortgage, gas to get to work and food. When the heck is something going to be done about dishonest practices such as this? I will never recommend United Healthcare to anyone.
     
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Posted by dan gordon on 2011-03-23:
I don't think you can blame United. The way the dr turned in the bill and the coding they used makes all the difference. If I had a cold and wanted a checkup if they billed insurance as an office call I'd have to pay, but if it was billed as preventative then it would be covered. Blame the whole screwed up medical billing profession but I think the insurance is the least of the issue.
Posted by tnchuck100 on 2011-03-23:
dan is right. I have had the same thing happen to me. The only way to resolve it is to keep telling the doctor that insurance WILL pay it if it is coded properly. Remain polite, but firm in the fact you will not pay your portion until the insurance has paid their part. In my case it took six months of hassles and finger pointing between the doctor and UHC. When the doctor (really the billing department) finally came to the realization that I would NOT pay until they got their act together and the insurance paid their part. THEN I paid my part.

Sometimes it takes plain doggedness to make the system work.
Posted by clutzycook on 2011-03-23:
I'm with dan and chuck. It sounds like a coding issue. You can request an itemized and coded copy of your bill so you can scrutinize it and see if there's something there that might not be. Question everything and get everything in writing is what I always say.
Posted by BEJ on 2011-03-23:
Call both United and your Doctor's office. More than likely it is a coding issue and the doctor needs to resubmit with the corrected code. At the outset, the doctor's office should have gotten an approval code for the requested procedure.
Posted by Anonymous on 2011-03-23:
Any procedure done at the Dr's office will be listed as surgery, no matter what it is. Doesn't mean you had surgery, that's just the category used. Check your benfits brochure to see if the deductible applies to injections done in the dr's office.
Posted by saj80 on 2011-03-23:
When I go to the doctor for a procedure, I pay my copay at time of the visit, and it is not uncommon for the remaining cost to be applied to my annual deductible. While this may be a coding issue, it could also be miscommunication between United Health, your doctor, and you. You may have been told that you needed to only pay the $20 charge, but that may have only been to get in for the procedure. Your doctor was probably told the procedure was covered, and his only obligation at that time was to collect the copay, assuming you knew that any additional charges would be subject to your coverage and deductible.
Posted by momsey on 2011-03-23:
I agree with the others who say that it's a coding issue and before you start complaining about United, you should speak to your doctor's billing office. They are the ones who verified your benefits and presumably they gave the correct information at the time they were verifying benefits. The onus should be on them to figure out why what they told you turned out to be untrue.
Posted by Anonymous on 2011-03-23:
I recently appealed my insurance company's denial. My benefits state that my doctor visit is a $25 copay. When the insurance company processed the claim, they said they applied it to my deductible. They were wrong and reimbursed the doctor's office for the balance THEY were supposed to pay.

I also used to check patient benefits for the neurology clinic I worked for. I could call 3 different times, ask the same questions and get 3 different answers. I always encouraged the patient's to call and also check their benefits too. I knew exactly what to ask the insurance company's though, and oftentimes the patient didn't. The insurance company's are tricky in that way. My guess is that the doctor's visit was a co-pay, but the procedure was part of the deductible which hadn't yet been satisfied.

My suggestion to you is to appeal the insurance company's decision. It is definitely not the fault of the doctor's office. They check your benefits as a courtesy to you. Every single insurance company I dealt with occasionally gave incorrect information or forgot to tell you how much of a deductible the patient had to satisfy. Sometimes I would be told there was no deductible, when in fact there was.
Posted by Anonymous on 2011-03-23:
It's not a coding error. The OP is just not aware of their benefits. Any procedures done during an office visit will most likely go to the patient's deductible.
Posted by trmn8r on 2011-03-23:
I don't believe "deceit" or "dishonesty" is at the root of this problem. I think it is a miscommunication. It sounds to me like you would have only been responsible for the copay if your deductible was already met.
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UnitedHealthCare worst health insurance in the United States
Posted by LKT on 08/11/2009
My elderly mother has United Healthcare as her retiree coverage. I (her daughter) have spent literally hundreds of hours dealing with UHC customer service and "rapid repsonse unit" (ha ha -- I wish!). They process virtually every claim incorrectly. They refuse to acknowledge errors, and cite to other ratonales for a denial that are equally incorrect. As an 83 year old, my mother is completely at the mercy of unscruptulous insurers like this. You literally have to have a lawyer or be a lawyer (I am) to deal with them, because you have to know when you are RIGHT and not let them bamboozle you. I'm so frustrated that I'm writing this complaint in an effort to warn people: if you have any choice at all, stay away from these people.
     
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Posted by Anonymous on 2009-08-11:
Totally unacceptable treatment from United. If you have already gone through the "chain of command" at United your next best bet would be to contact your states department of insurance. If your mother is on a Medicare plan, contact CMS. Follow this link and it will take you to the contact page. I'm sorry your having such trouble. Good luck to you! http://www.cms.hhs.gov/ContactCMS/
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Terrible Insurance - Beware Everyone
Posted by ArkansasMoon5 on 04/30/2009
MASSACHUSETTS -- I am so glad to see I'm not the only one that is terribly unhappy with United Health Care! This is the absolute WORST INSURANCE I have ever had in all the years that I have worked. I knew when my late husband's company switched to United Health from First Health (a great company!) that I was in big trouble, everyone I have ever talked to told me that United Health was the worst in the nation, all they ever do in deny, deny, deny!!! I had gallbladder surgery recently, the total bill was 4500. Medicare paid 3100, United Health paid only $3.00. This is absolutely horrible!!! They did me the same way last year when I had my knee replaced, refused to pay anything at all...I had to scrimp and dig up 2,000 dollars. I will be so glad when the end of the year is here and I can get off of this terrible insurance.

Please don't get this insurance, you will regret ever having it for they pay almost nothing. I heard once that a United Health worker had made the remark to someone, that every claim denied, which in my case is all of them, is PURE PROFIT for the company. That is their attitude. God help us all if we deal with companies like that.

Thank you for letting me VENT!!!

Suzanne Fisher
     
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United Health Care Predatory Prescriptions
Posted by Duprejeff on 02/04/2009
JOHNSON CITY, TENNESSEE -- United Healthcare has decided that it wants to control where a prescription is filled. First they send out mailers stating that they want us to use Medco Then they send out mailers saying Use Bioscript. Then the send out letters stating that you can only use Their own pharmacy Preferred Prescriptions. Then we get letters from Biosctipt saying "no yo don't" you can use whomever you want. Personally I want to go back to WalMart for mine and not deal with mailorder houses that leave boxes on the back porch in all kinds of weather.

Is UHC a Scam or what?
     
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Posted by dan gordon on 2009-02-04:
you can go to your pharmacy and get a 30 day supply or mail order and get 90. The choice is yours.
Posted by Duprejeff on 2009-02-05:
Actually UNited Health is saying NO to that . They told me I HAD to use their pharmacy then when I attempted to use WalMart for refils they told Walmart "this was the last time". I will attempt to use my local pharmacy but I expect harrassment from United Health.

J
Posted by *Brenda* on 2009-02-05:
I have UHC and haven't any of these problems with prescriptions nor have gotten the mailings you are talking about. Did your plan change maybe at the beginning of the year?
Posted by Anonymous on 2009-02-05:
Most insurance plans have a pharmacy network that you are allowed to go to. If you are on a maintenance medication (blood pressure, diabetes, etc.) most plans will allow you to get up to three fills each at a 30 day supply at the local network pharmacy location until you are stabilized and use to the medicine (depending on the coverage that your employer selected). During this time, an electronic hard coded message is sent to the retail pharmacy informing them of the remaining fills that can be filled at retail and refers the patient to the mail service pharmacy. The name of the mail order pharmacy that UHC owns is Prescription Solutions, not Preferred Prescriptions. This is public information and is located on UHC's website. As an FYI, this retail fill edit is applied by all of the major pharmacy benefit management companies, including Medco, Presription Solutions, Caremark, Walgreens PBM, Express Scripts...and so on. This is coverage that your employer has elected to provide. If you are not satisfied with your choices, speak to your benefits department and ask them to provide a more liberal prescription plan. The insurance plan will provide any coverage the employer asks for. If your employer is willing to do so, be prepared to pay a higher premium for your coverage.
Posted by jktshff1 on 2009-02-05:
John, BA...where do you come up with this stuff?
Posted by Anonymous on 2009-02-05:
Comes from 24 years in the pharmacy business. :)
Posted by jktshff1 on 2009-02-05:
That explains a lot!!lol
Posted by Anonymous on 2009-02-05:
Yep, Old_Fart better watch it. I will change my nic to getting older_fart. :)
Posted by DebtorBasher on 2009-02-05:
Thanks for the info John...24 years in the business? Wow...let's see, that means you got into the business when I was uhhhh....FOUR YEARS OLD! LOL!
Posted by Anonymous on 2009-02-05:
lol STOP it DB!
Posted by DebtorBasher on 2009-02-05:
Whaaat? LOL! At least I was potty trained when you started!
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Has to be the most deceptive company ever!!!
Posted by Timmy51 on 05/12/2011
Only way to describe the service of this company is, they SUCK!! Take your money and pay nothing. If it were not my only option from my company it surely would not be happening. They are totally deceitful and one person to the next that you talk to answer your question differently all the time.

Something definitely wrong when you call and ask if a colonospcopy is a cover procedure and the representative says yes it shows it is a routine preventative procedure and is covered %100 per your coverage. So you have it done and the find a few polyps and remove them. Couple weeks later here is a bill for $4700!!!!!!!!!! NOW the insurance company says, well, being as you had polyps that changes the procedure to a "medical" diagnosis and you pay the whole wad yourself.. KISS MY %$$!!!!

They do not want to prevent cancer??? That would cost them a BUNDLE if that came to the forefront??? They are TOTALLY out of control and need to be investigated for deception and fraud!!!!

STAY AWAY from this company at ALL costs if at all possible!!!!
     
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Posted by Anonymous on 2011-05-12:
This is a complaint I hear everyday at my job. A routine colonoscopy is 100% covered. If they find something, like a polyp, then it's no longer routine. I don't get why people have a hard time understanding that.
Posted by trmn8r on 2011-05-12:
IMO, the routine exam should be covered.

However, if they find something, and additional tests and procedures are required, those are billed separately and covered as dictated by the plan.
Posted by LauraW on 2011-05-12:
So UHC is, in reality, discouraging people from getting colonoscopies, since there is no way of predicting whether one has polyps. If one doesn't have several thousand to pay for polyp removal, that would deter them from getting a colonoscopy.
Posted by trmn8r on 2011-05-12:
LauraW - Perhaps. I think the assumption is that if there is a problem, all patients would want to resolve it. Would a person want to walk around knowing that they have polyps?

I think my brother told me he found out routine colonoscopies aren't effective. He mentioned that one test is. I wrote this stuff down and misplaced it!!!
Posted by yoke on 2011-05-12:
So in other words the colonoscopy is covered but the removal of the polyps are not. That would be like saying a blood test to find out if you are pregnant is covered, but the delivery is not since you were pregnant when you came into the office.
Posted by Anonymous on 2011-05-12:
Depending on what their insurance coverage is, the removal of polyps should be covered under surgery benefits
Posted by Anonymous on 2011-05-12:
I have recently read that most of the insurance companies do this when it comes to colonoscopies. As shorty said, it should be covered by another portion of your insurance coverage and I would definitely apeal their denial. I know that in my coverage it clearly states that the colonscopy will not be paid in full if other medical issues present themselves. Makes no sense whatsoever.

The article I read said that it's a "glitch" in the insurance companies systems. Uh huh. They went on to say that if you appeal the decision, they will look into it and pay whatever your coverage is for surgery--80%, 90%, 100%. I hope you get this resolved to your satisfaction. The insurance companies are resorting to some slippery slopes of coverage and you have to practically question every single claim.
Posted by Anonymous on 2011-05-12:
I would suggest the OP call their insurance and see if the claim can be sent back for review. If they STILL deny it, then file an appeal. An appeal will take longer than a review. United porobaly still won't cover it at 100%, but they should cover a certain percentage
Posted by yoke on 2011-05-12:
Sometimes insurance companies are crazy. When I had my daughter we had Tricare. Had the blood test done at NAVCARE and then went to doctors office with the referal I got from them. They got the authoirzation (or they thought). About a month later I got a bill from the hospital for my daughter. Called them and asked why she was not part of the OB authorization the doctor and hospital got from Tricare. I was told that since it was preexisting I needed to get another authorization to deliver her. My doctors office laughed when I told them, they took care of it. Would the insurance company in the OP's case rather the OP go back for another procedure to have the polyps removed at a greater expense to them. Common sense insurance companies, common sense.
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Don't Use United Healthcare if you don't have to
Posted by Misha2 on 02/19/2010
I have had UHC as my healthcare provider for six years. To get many of my claims paid, I have had to spend enormous amounts of time creating folders and charts that show when claims were submitted and what UHC's response was. I have also had to spend a lot of time on the phone with their customer service center reps. For example, today, a representative named KinDell told me that she would not discuss why claims for my husband were not being paid without authorization from my husband. I am the policy holder and she said it didn't make any difference. When I asked to speak with her supervisor, she put me on hold. After 30 minutes, I called again through the 800 number of my card, only to be told that that number was no longer correct. I finally reached another rep, who told me policy holders could speak for the beneficiaries. If you have a sore throat or ear ache, then UHC is okay. If you have anything more serious, be prepared for problems. My employer has moved us to a new insurance company. Hopefully they will be more responsive then UHC. If I were ever asked to testify to what appears to be a systemic practice of denying and delaying claims, I have the records to back it up. So, if you can choose another insurance company, I would recommend it.
     
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Posted by Anonymous on 2010-02-19:
Unfortunately, most of us who are working cannot choose the health insurance carrier, as our employer does that for us.

I have Cigna and have the same exact issues as you do. It seems we really do need an overhaul of these companies. Unfortunately, the customer service and the ways they get out of paying claims are pathetic, at best. I previously had UHC and also had problems getting claims paid. I think they hope most people will just give up pursuing payment. I'll bet many do.
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Terrible Prescription Coverage
Posted by Pfsr on 12/16/2009
United Healthcare has again reduced coverage for my prescriptions during the plan period. As it has happened many times before, my first knowledge of this "change" happened when I drove to the pharmacy to pick up my medicine and was told they would not cover it. Such changes during the plan period negate any statements regarding copayments or maximum out of pocket expenses. These statements are therefore worthless.

I have made many unnecessary trips to the drug store and have spent numerous hours on the phone with United Healthcare and they refuse to honor their written commitments. The amount I have to pay exceeds the copayment listed in their plan and their website. Millions of other consumers are having to do the same.


     
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Posted by goduke on 2009-12-17:
What change did they make? It could be that a new generic is on the market for the brand drug you take, so that the brand is no longer available to you without a prior authorization.
Posted by pfsr on 2009-12-18:
For one of my medications, that treats a side effect of my cancer, they quit covering it completely. For Lipitor, which I have to take every day, they will only cover 90 every 65 days. So, if I get a refill of thirty every 30 days, I now have do do without for 5 days before I can get the third refill or pay full price for 5. Of course, this means another round trip to the pharmacy in addition to the one I already made. Today, I am gong to have to drive in this blizzard to get the refill they would not cover on Monday.
Posted by Alain on 2009-12-18:
Any possibility your doctor could help you find something they would cover?
Posted by goduke on 2009-12-18:
You might want to get your Lipitor from the mail order side. It works very well for maintenance medications, and they'll be able to give you the full 90 pills, which should last 90 days.

You might also want to take the latest formulary to your MD, to see if there's another class of drug or another drug in the same class which is covered which might work. You might also ask them if it can be covered if the doctor will submit an authorization for it.
Posted by pfsr on 2009-12-18:
It would be much simpler and more ethical if United Healthcare simply did what they promised in writing. The latest - When I called UHC on Monday, they said I could pick up my prescription today. Of course they changed their mind. After 45 minutes on the phone, I was told They would not cover anything until January 8! I asked to speak to a manager. It took her 15 minutes to tell me I could pick it up tomorrow. I explained that we are forecast to have 18" of snow by morning and that I would not be able to get to the pharmacy and asked her if there was any way I could get it approved today. The answer was no. Since I am snowed in for the next few days (without medication), I am writing each of my congressmen, filing a formal appeal with United Healthcare, and filing complaints with my employer, the Better Business Bureau, Consumer Affairs, the state Insurance Commissioner and the state Attorney General. There will be more as soon as I can think of them. I encourage any others that have had such shoddy treatment to do the same.
Posted by LenaSunShine on 2010-08-04:
pfsr is right. This is bad medicine. Patients are not supposed to keep switching formulas because they do not contain the exact same ingredients, and also people who take multiple pills a day become confused when the look of their meds keep changing. Further, a patient should never discover they can't afford the new price of their needed medication the day they actually need it because if they don't have the money, then they go without their medications and that can do serious harm. Bad medicine period!

If a doctor and patient choose a specific formulation, whether it is the name brand or a generic, the pharmacy should fill it no questions asked. It is the business of only the patient and his or her physician why they've requested that brand and that drug. Having to justify it to countless, faceless, nameless employees of the system is an invasion of medical privacy. The pharmacy receiving it and filling it without question unless they note something dangerous about it and call to talk to the doctor and patient about it first (which they don't do anymore because they don't want to pay employees for that anymore) is good medicine.

These practices pfar is addressing are all merely penny pinching for greater profits at the expense of the health of their customers. It shouldn't even be legal because it is physically, mentally, and economically hurting our citizens!
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United HealthCare Medco- Denial, or Delay of Coverage
Posted by Mark63 on 11/17/2009
ATLANTA, GEORGIA -- Since becoming a member of United Healthcare about 31/2 months, I have been denied, or put through the authorization process, about 5 times, medication that my previous Insurer has paid for, without question. They farm out prescription services to Medco. I have followed their procedures, and still they make me change to a cheaper medication, even though my doctor thinks he is prescribing what is best for me. Their job is to "be the judge" of what you get. If your plan does not cover what your doctor thinks is best for you, you and your doctor have to follow an appeal process. They will spend hours and hours on the phone, and still keep a patient from getting something they don't want to pay for. They will send you an authorization, or an appeal form, but by this time, you have already left your doctor's office, and are waiting. Sometimes you can get your meds, and sometimes you just have to deal with it. If they are so worried about their bottom line, they should be cutting better deals with the pharmaceuticals, but they already do that, don’t' they? Or maybe raise their rates. Oh, yes, they have done that too. They even want me use a pill cutter to cut my one med in half, just so they don't have to buy both dosages. Since most of the competing healthcare insurance companies been gobbled up by Aetna, United and others, their simply is not as much choice for employers to shop around for quality, affordable plans for their employees. Period. If members of the U.S. Congress had to deal with a fraction of this hassle, they would be changing the law in a New York minute! Keeping people out of the hospitals by the use of drugs already is a proven approach for everyone. They do not even have a form, that I can find, that includes a space to enter a date, service, doctor, or billing code, so you can use it to get reimbursement, without having a doctor bill with what they want on it. This is not practical for the insured, at all. Why keep that service or medication from us, so that we get sicker, and risk an even bigger claim? The answer is that they know we have no one in our corner, as they do in Washington. I urge people with issues of abuse of power, and denial of service to let their thoughts be known, or it will never change. I also urge anyone who is trying to buy health care insurance, to find out all the details you can before you sign up, because after that, it's too late...
     
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Posted by goduke on 2009-11-17:
The formulary in your plan was agreed to by your employer. They did that to acheive a certain cost point. Medco is only enforcing the plan which your employer is paying for. You have the option to pay out of pocket for any prescription. You are not forced to use insurance.

Many americans think they should have insurance which has low cost, low premiums, low copays and unlimited coverage. That's just not realistic. At all.
Posted by BEJ on 2009-11-17:
Your employer picked this plan to offer you. They usually pick what is cheapest for them. It has nothing really to do with the insurance company--they approve/deny based on plan provisions set out in the contract. You want better insurance--contact your employer they hold the key. I am willing to bet most folks would be willing to pay a bit extra for a better medical plan.
Posted by Anonymous on 2009-11-17:
Spend your own money for your drug needs and you won't be denied.
Posted by Doctor Charlie on 2009-11-17:
Your employer sets up the formulary. Why is your doctor prescribing you such expensive medications? What are some examples of medications that have been denied?
Posted by MSCANTBEWRONG on 2009-11-18:
Can you switch to a generic drug? They most likely will pay for those.
Posted by JR in Orlando on 2009-11-18:
You needing medicine is your responsibility. The contract for insurance provides certain benefits. If you want more coverage for medications, buy it or pay for the medications itself. This is like arguing at a concert that your general admission tickets entitles to you sit in the front row for the same price.

Either get your doctor to prescribe something covered by the policy or pay the difference. There is nothing the insurance company has done wrong, by sticking to the terms of the policy.
Posted by cmyers900 on 2011-03-24:
I love all the comments from people who must obviously have the best health care coverage, probably don't pay for it and can tell others how they should or should not go about getting drugs or other means of healthcare. Until you walk in someone else's shoes how dare any one feel some one should have to go without or pay for something that is not within their means. Let's hope one of your loved ones never run into any issues. Let's have the tables turned then and see how you feel. I am a firm believer in Karma.
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