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I told my doctor recently that my new health insurance company was HealthPartners and that HP had denied coverage for one of my prescriptions. I explained to him that I was filing an appeal to get coverage. His answer was not comforting. “HP is a bunch of cheap……” I laughed when he started to swear at them.
I wasn’t laughing as hard when the denial of my appeal came in the mail as he predicted. The drug is not cheap, even though it’s generic. A 30-day supply at Target cost me $155 without insurance. I’m embarrassed to admit this, but once I realized it was an out-of-pocket expense, I started comparison shopping. A 100 day supply of the same drug was $165 at Costco, a 70 percent difference. Then I started taking my own advice and checked prices at the Minnesota Senior Federation (1-866-783-5045), which offers competitive prices for anyone, not just seniors. For this drug, the Senior Fed’s price ($135 for 30 tablets) wasn’t so competitive. Then I checked I checked Thrifty White Drug mail order in Fargo (1-866-903-5720). The price ($126 including shipping) is about 25 percent cheaper than Costco. I mailed my Rx to Thrifty and received it within a week without any problems. (I didn’t check Canadian sources because the drug is generic. Canadian prices are more competitive on brand name drugs.)
I could probably get a local pharmacy to match Thrifty’s low price, but I’m not going to do it. Why? Because then I’m taking business away from a decent pharmacy that is valiantly taking a lower profit margin. If too many people go to the competitor to price-match, Thrifty goes out of business and prices stay high. I believe in supporting the the original, low-priced business. Anecdotally, I hear about senior citizens who continue to shop at their neighhborhood Walgreens because of the personal relationship with the pharmacist. Unfortunately, Walgreens is often the highest priced pharmacy, according to my past price comparisons. In fairness, however, Walgreens’ price on my Rx was $134, slightly less than Target.
If you’re paying out of pocket for any prescription due to unemployment or a cost-cutting HMO, try Costco, Sam’s Club or Thrifty White. By the way, you do not have to be a member of Costco or Sam’s to use the pharmacy. Anyone else done a little comparison shopping on prescriptions or find themselves at odds with an HMO? Write to me.
You do realize that your employer sets your benefits not the HMO? Your employer buys a policy with certain coverages, if your policy you bought doesn’t cover that take it up with your boss.
Did you check out http://www.minnesotarxconnect.com? They price compare prescriptions around your zip or county and offer ways to offer trustworthy Canadian mail orders (although you didn’t think Canada would help much since it’s generic). I’ve noticed that it doesn’t seem to have prices for Sam’s Club and Costco but you can at least see what the major Walgreens, CVS, Target, Cub prices are. It appears to be run by the state.
Dan, you are correct about taking it up with my employer. HealthPartners told me that was my next step after the denail of the appeal, and I plan to do so.
Is this the same Thrifty White?
http://www.thriftywhite.com/index.cfm
The website says their corporate address is in Maple Grove and they have tons of locations all across the state.
The Star Tribune is most likely self insured which means they chose the formulary plan that you have. I would recommend that you contact HP and find out what medications in the the class you need are on the formulary. Ask your doctor to prescribe that. Also ask HP if there is step edits for therapy for the medication that you are taking.
I can’t believe people still have HMOs. It is not always the employers fault as this could be buried in a pre-exhisting coditions clause, or subject to prior authorization or something like that. I agree the employer should fully understand what they bought, but who has time to run a business and read a contract that is primairily in “fine print” to begin with. You want to do some real investigating, investigate mail order vs. retail by PBMs. The PBM can often set their own prices and their price may be 400% more that the same med at retail!!!!!
Even if the employer is self insured, if they are with HP or another carrier, chances are they cannot dictate their formulary. The formulary is set by HP and the PBM they use which I believe is MedImpact. I would imagine they say their formulary is clinically based for effectiveness, but in reality a large reason why drugs are listed on tier 2 vs. tier 3 is because of the rebates that the PBM or carrier gets. Sometimes the employer gets a portion of the rebates…..sometimes.
Even though you may be self-funded with a carrier, the flexibility is not always there.
Rachel, good question about all the other Thrifty White locations. The one in Fargo purchased Borg Drug in Ashby, Minn. In doing so, they agreed to offer the low-margin prices set by Borg’s saintly pharmacist Jim Witt. I wrote about him on June 23, 2005. Long story short, only the Fargo location mentioned will offer the low price, not other Thrifty White locations.
I shop strictly Canadian Pharmacy and buy in bulk. Since I am uninsured,I can shop for the best deal, work out the best method to buy, and then purchase,
just like shopping for anything else.
It’s surprising what is out there once you are freed of US corporate mandates to buy severely overpriced drugs.
It is important to note that the drug lists put together by your local non-profit HMOs are a direct result of the obscene cost of medical care. HMOs are forced to make difficult decisions: as the cost of medical care goes up, do they limit coverage, exclude certain services, or raise premiums? Many people are being laid off of their jobs and are electing Cobra coverage where they are obligated to pay the entire premium (and sometimes more). Naturally, everyone would like everything covered (I know it would make life easier for me), but that would raise the premium rates to such heights that no one would be able to afford insurance. As a result, people would forgo care until their situation became dire and emergency services were needed. Because most people can’t afford a $2000 emergency room visit without a job, the Hospital has to right off the charges. With our gee-golly “genius” Governor’s budget proposal, there will be less state money to cover these losses, thus the cuts have to be made in staffing and other services, further raising unemployment and compounding the problem; hopefully not to the point where Hospitals are forced to close, but that is certainly a possibility.
There may be other reasons your HMO denied your drug. It is possible that the long-term safety and efficacy of your drug has not been established in large-scale controlled clinical trials for the segment of the population to which you belong (medically speaking). If there are harmful long-term effects that are present but have yet to be discovered, this creates more suffering on your part, and wasted medical services and finances on the part of the industry. In addition, it creates unnecessary market demand for the drug, driving up the price unnecessarily for whom the safety and efficacy is established.
These times are tough, no question. It will be interesting to see the list of names that Medtronic releases. If you are concerned about the cost of health care and related ethical issues, this issue is a great example of the problems this industry faces. Not that I am accusing Medtronic of this, but it is shameful and irresponsible to artificially drive the demand of your product by buying off physicians. Medtronic may have perfectly good an honest reasons for paying these doctors; I want to know what they are. All human systems are flawed because we are not omniscient to the effects of our decisions; we tend to have a very limited view of the consequences of our actions. What happened to a little personal responsibility (and I’m not even republican). This is getting ridiculous. Thank you Minneapolis, and good night.
I’d like to know how you were able to shop around. When I tried getting quotes from several pharmacies on a costly non-generic Rx, I was told they didn’t give prices in advance; I’d have to submit the prescription to them to fill before they’d tell me the price.
i have a stange turn of events to report about Health Partners. i use a particular drug that does not have a generic. when i was filling the prescription at Target, the cost was the max that my insurance charges, $32. when i switched to Walgreen’s to get the $25 free gift card offered by Walgreen’s to switch a prescription, they said HP only charged $16 (what i would usually pay for a generic). Hmmmmm. i’m waiting to get a letter from HP telling me i owe them $16!
John - by the way, is there a downside to switching a prescription from drugstore to drugstore in order to get the free gift cards they offer?
A few months ago I got a prescription for a generic drug, and I called around to see what the prices would be. My doctor said it could be found for $4 a month at most big box pharmacies, but I’m glad I checked to make sure, because it turns out the generic I needed was NOT covered at that price anywhere (by the way, I have no health insurance). I called Target and Cub and both offered a 30 day supply for around $30, which is a lot of money to unemployed me. I then looked at Walgreens, and found if I paid $20 a year to join the prescription club, I could get 90 pills of my drug for $12. I felt the joining fee was worth it, since I’ll be taking this drug for awhile.
My health insurer UNITED HEALTHCARE MEDCO filled a 90 day supply of a prescription a couple times for a copay of $ 62.50,
Then on the 3rd refill confirmed by their phone order system , MEDCO changed the presciption # and mailed a 30 day supply with the same copay.
After numerous phone calls for the last 6 months, MEDCO/ UNITED HEALTH CARE offered different numerous
excuses .
I mailed an appeal to them ( UHC) and visited with my Dr.
My Dr. just laughed and said Im wasting my time.
Dr. said most Drs wont waste their time & energy dealing with an organization that has but one motive , make lots of $.
Guess that explains why UHCs CEO got a 100 million dollars in stock options in Dec of 2008.
Guess the CEO is being rewarded for changing the rules to serve his own interests.
Hope somebody in Washington DC takes on UNITED HEALTHCARE sooner than later.
Think somebody at MEDCO/ UHC should go to jail for causing my cost to triple for a 90 day supply.
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