[RL] WELP, definitely gonna call my insurance and raise hell sometime this week.

Two prescriptions now, one of which was a fucking low tier generic, and I saved CONSIDERABLY more money by NOT using insurance

With insurance, my bill would have been about $113.

Without, it's $59.

why is medical insurance so broken in this country

So somebody is going to need to explain to me either
1. What the fuck is going on
or
2. Why the fuck I should even continue paying them

We are well outside of anything that a damn deductible should be affecting

a deductible doesn't magically make you pay fucking DOUBLE what you'd pay cash

I hate that shit.

and if I do end up canceling, I'm going to take a flamethrower to that bridge and just straight up file a grievance with HR

"Hey, you know that insurance you're contracted with that we all have to pay? You know it's functionally worthless, right?"

probably insurance has a specific list of manufacturers they'll cover

both of these were generic

at preferred pharmacies

Oh good, one of the only things they did right was set up an option so you could email them outside their absurdly short business hours for a (prescription) insurance company

So hey, all goes well, within 24 hours someone will be explaining to me why the fuck I should even bother being insured at all

In the ultimate dick move, my prescription benefits deductible is tied to my MEDICAL deductible

Add that to the fact they're clearly not negotiating any kind of preferred rate for drugs, let alone letting the low tier ones be exempt from the deductible, I would honest to god have to be hospitalized after a serious traffic accident for me to meet my fucking deductible in any given year

If I dumped a massive chunk of my paycheck into buying the best possible plan on offer

I might reach it by September or October each year.

But with the jacked up premiums I'd also be paying WAY more each year anyway

i hate that

(and the answer is: they are probably trying to force you to go to their mail order service with 90 day scripts)

not with C2 controls and a drug that's not offered as part of their mail in service they aren't

ugh

got a response and yep, fuck this, cancelling my insurance

ugh

For added irony this is an employer policy from a healthcare company

not shocked