Your Insurance Saved You $84.99
Healthcare, Insurance, MedBillManager, Personal Stories, Uncategorized, change:healthcare
That’s the line that stared back at me from the printout on the prescription the bag came in.
Your insurance saved you $84.99.
Did my insurance truly “save me $84.99″ I wondered.
Like most of us with private insurance, I don’t get EOBs for my prescriptions. I simply pay a prescription co-pay of $10 for generics and $35 for brand drugs. So did the pharmacy accept $84.99 less because of my insurance? That was the implication, but was it fact?
Or did my insuror pay $84.99?
Exactly how did the transaction go down?
As someone who actually pays for their insurance and does not have it provicded for me as an employee, I wondered, since when I get underwritten next year, the expense will be considered and may contribute to a rate increase. If my insurance paid $84.99, then they most certainly DID NOT save me $84.99, but they paid out $84.99 on my behalf - semantics, I know, but I don’t like being misled, and I felt I was being misled.
How do you feel about it?
If your copay for generics is $10…what with all the offers at Wal-Mart, etc. it seems it may almost be smarter to just act like you don’t have insurance when you go to get your generics filled and pay the $4. It saves you a few bucks, and I would imagine reduces your insurance’s view of you as a “high-end” user.