I’m a retired AT&T employee that has Medicare health insurance as their primary insurance and my supplementary coverage is through AT&T. This year my selection process did not indicate what company would carry my supplementary insurance. Your options were labeled AT&T Standard and AT&T Option 1 with the Opt. 1 allowing you to “buy down” the out of pocket expenses.
My supplementary coverage the past 4 years had been Cigna and since AT&T provides my supplementary coverage I selected the AT&T Standard plan.
After the close of the sign up period I received a new medical card in the mail indicating I was now U . s . Healthcare. I carefully went back over the sign up information which at that time was only around 4 booklets and didn’t find U . s . mentioned anywhere.
Bundle after bundle begun to arrive from Caremark which clearly was stated as replacing Medco mail order pharmacy with co-pays of $8. 00 for universal; $17. 00 for preferred and $35. 00 for non-preferred 3 months supply. I promptly get online to set up my new account in which to track and reorder refills just to find that two of the four drugs on file had not come over from Medco.
My next trip to the Doctor. I request they send the two medications to Caremark that are not showing available for re-fill which did. A week later I obtain a call regarding a re-fill of a drug that previously cost me $66. 00/90 day supply which will be $318. 20. where can I buy nembutal
It is at this time that the customer service person advises I have an $1100. 00 deductible that must be met of medical and pharmacy costs out of pocket. Yes, for the first time the deductible for medical and prescribed drugs are now tied together.
Being a primary Medicare health insurance patient I have a $100. 00 medical deductible a year and I would not have another $1000. 00 in medical visits within the year to pay this deductible so it will be all prescription drug deductible.
After now looking for this term in the sign up it is in the fine print that the medical deductible must be met before the co-payments for prescribed drugs are in effect.
Looking further I now see under the AT&T Standard and AT&T Option 1 is the U . s . Healthcare link that’s not allowed in this article with “my” in front of it in really small letters or “My U . s . Health Care” web site which is the only indication prior to sign up closing to give a hint as to as to who the medical coverage is offered by. At the time of sign up and before getting the UHC card in the mail this web site meant nothing to me.
Meanwhile, my husband’s Blue Shield plan for the government sign up has closed and I has been added to his cheaper than this deductible.
I are in possession of a stack of books, some marked SBC, others marked AT&T some of which look to be duplicates of one another but have different stock numbers.
I am replacing my Nexium with NON-PRESCRIPTION and taking the drug list from the Walmart Pharmacy to my doctor to determine what $4. 00 universal drugs will replace my other three medications. I don’t give Walmart credit for much, but they purchase their bargaining power to the overall good in the bargaining of prices on universal drugs, a lesson our government could use.
Essentially I do not have prescription drug coverage now and I believe this became a general plan that in my case is working.