So I was on the phone with my insurance company this morning trying to figure out why they won't let me order my insulin from a medical warehouse in 3 month quantities, like I do with my pump and blood testing supplies. By doing that, they would cover 80% of my insulin as a opposed to the mere 40% they cover for monthly non-generic Rx's.
I asked my insurance rep why they would cover 80% of my pump supplies and not my insulin when in actuality I wouldn't need my insulin pump if I didn't require insulin on a daily basis. Are you following? She had no real answer for me - besides the fact that those were the rules of my policy.
Let me just share the fact that I am charged $124.00 for two bottles of insulin per month - out of pocket -sometimes more, depending upon how generous they are feeling. I'm reimbursed $49.50. At this rate, my credit card will never see a zero balance.
I explained the math to her and asked her if she thought that was fair. To my surprise, she said no. I have to give her street cred for being honest. But anyway you look at it, Diabetes Math still sucks.
Tuesday, December 4, 2007
Diabetes math when it comes to my RX bills, OR "I will work for insulin!"
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