The month of May’s DSMA Blog Carnival (I know, I am posting this on June 1…oops), is about filling in the blanks. The question posed was, “I wish my insurance paid for <blank> because <blank>. So here were go, I will try to fill in the blanks.
I have not had the disappointment yet of an insurance company not covering something that I needed to be covered so this is a little more difficult for me to fill in the blanks. Rather then naming something I wish they would cover, I will speak about something I wish that they covered differently.
I wish my insurance paid for the same insulin every year on the same tier because I do not like having to switch insulins every 12 months because the insurance company bumped my previous insulin to a tier 3 and increased the price from $25/90 day supply to $150/90 day supply.
I completely understand the business of this decision, so I’m not even going to get into that. I just wish that I didn’t have to use Novolog for 6 years, then switch to Humalog because it’s $125 cheaper. These insulins act differently so I have to re-do all of my basal testings and ratios, correction values and time to take insulin before eating, etc.
This is not something that I want to do every 12 months, if the current ones are working.
So, for that reason I wish insurance companies would not change my copays for my insulin constantly.
I understand that frustration. I’ve had to switch meters and strips for the same reason before. Your $25/90 is $80/90 under my plan, so I’d count your blessings there though.