Ha Right Plan!

HRP, the acronym which spells out the nuts and bolts of our health insurance plan.  The insurance company tells me that the letters H.R.P stands for High Risk Pool.  They tell me it means that they understand we have exceptionally astronomical healthcare needs and they will be there every step of the way to keep us insured, protected and healthy. 

If you ask me, however, H.R.P really stands for HA...RIGHT...as if we are going to PAY for that!  The real nuts and bolts of the plan are that we pay a small fortune each month and in return for this minor monetary sacrifice, receive in addition to a healthy $6000.00 deductible, a large amount of nothing! 

A couple of days ago, I found myself at the pharmacy with 7 refills.  It would be an understatement to say I left very frustrated, empty handed, because some oaf in the conference room of the insurance company decided to change their policy on the drugs we happen to use.  He probably got a sweet pay raise for this grand idea! They wouldn't pay for the generic any more, or the brand name.  They wanted us to try something else or get a preauthorization from the doctor.  In case you don't know what that translates to, I'll tell you, a large bottle of ibuprofen to take care of the monster headache that ensues not to mention days without important medications causing a laundry list of discomfort for the kids.

As a general rule of thumb, doctors are not accessible and when they do surface, after you have broken through the land mine of secretaries and nurses, usually want to 'see' us before changing the prescription which costs time, money and sometimes a trip out of town.  I did have one of our doctors get back to us within 24 hours which was great!   Ironically, the only drug that would be accepted by the almighty insurance company was one far more expensive than the medication we had already been on for a year!  Where's the common sense in that?  Talk about a healthcare crisis! 

Alas, all is well that ends well.  I finally managed to get all the medications we need and everyone will feel better soon but it's just a hassle I can do without, like parent teacher conference when your 10th grader has 4 'F's because he has missed 4 weeks of school....arg, don't even get me started on that tangent!  Ya know...It's the little things that throw me over the proverbial edge! Sighhhhh.

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