I have had my fair share of insurance woes. So I am VERY grateful that I have insurance.
But today they REALLY pissed me off. Hard to believe, I know.
We have a really high family deductible, and have not reached it yet, so our prescription costs and doctor visit costs are a LOT of money.
About a week and a half ago I needed to get my insulin so I went to get just one months worth at CVS. It cost $70.00. Which is a lot of money but whatever. Its necessary.
Today I got on the insurance company's website to order my 3 month supply for my test strips and it said that a 3 month supply for 6 boxes of test strips or 540 individual strips is $540.00. UHHH. That is retail price!
I called them to see why there was no adjustment like there was for the insulin. (the insulin costs about $208.00 without insurance, I paid $70.00)
After much running around and screaming "REPRESENTATIVE" into the phone multiple times, I talked to a lady who really did not have much to say.
But the reason that my insulin cost $70.00 and was an adjusted price is because "it is preventative care or treatment of a chronic illness." She was clearly reading something.
My response to her "So the insulin I need in order to survive is treatment of my chronic illness, I get that, but test strips used for testing my blood glucose levels is NOT part of the treatment of my chronic illness? Is this what you are saying to me?" She mumbled a little bit trying to come up with a response to my question, and she failed.
I interrupted and asked "So you, my insurance company, are saying that you want me to not test my blood glucose, but you do want me to take insulin to treat my Type 1 diabetes.?"
I know I was a smart-ass but REALLY?? I don't understand. I also realize that is is not her fault that my insulin gets adjusted but my strips don't. I just don't have $540.00 laying around!! I just wish that HAVING insurance was actually more helpful then when I didn't have insurance and my doctors were giving me freebies to help me.
Also I don't want this to come off as snotty, I am grateful to live in a country that has health care. Its just frustrating. I can't wait till I graduate from nursing school and have money to pay for my diabetes!!