 Why do parents take out life insurance policies on their children? |
| I just got an ad for a "Gerber Life Grow-Up" plan as an insert in my morning paper. The whole idea weirds me out big time! The ad claims that a child will "have trouble getting a ... |
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 Help on life insurance...? |
help on life insurance...?
what are your opinions and what types are better?
i am a wife and mother in my early twenties. i haven't ever looked into this subject matter and ... |
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 Stolen car returned?? what happens now? |
| hi if a car has been stolen and insurence has paid out what happens if the car is returned by the police in the future?... |
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 Will My Marriage Stay Secret? |
| My Fiance and I have decided to get married next friday in a courthouse (we've been engaged for 3 months). The reason we are rushing this is because his parents are both very religious and don�... |
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 Is food spoilage caused by no electricity covered under homeowners ins? |
| My electricy has been over a little over 24 hrs. Is food spoilage covered by this covered by my homeowners insurance?... |
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 How does life insurance work? |
100 million life insurance ...... how does selling someone 100 milllion dollar lfie insurance benefit the company selling it.
i was readin this article of the highest sold life insurance ... |
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 Is my employer charged for workmans comp if he's not at fault? |
| we are subcontracted painters for a company that builds modular homes....the steps leading into the building collapsed and i sprained my knee...i was told by my employer not to go after the company ... |
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 How can any company offer Life Insurance without any medical exam? Is there a catch? |
Say I just found out I have a few months to live. I sign up for 150k life insurance. How much will my family actually get in case of death?
I heard withinn 2 years they have a limit. B... |
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 Is my employer responsible for paying insurance for month of June if last day of work was June 1 in texas? |
| My termination date was June 1, 2006, does my employer still have to pay my insurance which was part of my salary for the full month of June?... |
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 Where can I get help to cover funeral expenses? |
| My father died yesterday, and he was jobless, had no insurance, and recently was assaulted which could have led up to his death (hasn't been determined by M.E.). My family really needs help ... |
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 Do I have to pay my insurance ticket if I drove an uninsured car while I owned another insured car? |
Here is what happened: my mother drove my uninsured car and got a speeding ticket plus an insurance ticket.
Since she owns a car with current insurance (its just this one time that she ... |
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 Car insurance question? |
| is it cheaper to pay per month or in one go once a year?... |
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 I got in a near fatal accident. I broke my back in three places, bruised my brain, and fractured my skull.? |
| I was notdriving I was in the passenger seat. My stupid cousin was drivin too fast and she hit gravel then the car spun out. Then rolled over a bunch of times then finally hit a cement embankment. N... |
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 Can a 14 year old work as an estate agent? |
| or what other jobs are there, i need two thousand ... |
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 My water heater broke on sat and on sunday statefarm told us to go ahead and have it repaired? |
| okay, on sat our water heat broke- water was boiling out of the top and my laundry room was flooded and my floor was flooded with about 2 inches of water. we called them and they told us what our ... |
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 Do you believe in having life insurance? If so, do you have life insurance? |
I have a friend who sells insurance so I wanted to ask you guys...
1.) Do you have life insurance?
2.) If not, why have you NOT purchased life insurance?
3.) If you HAVE purchased life ... |
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 Why do I need life insurance? |
| If I don't have any kids?... |
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Staying Quiet | If insurance covers a prescription drug, why am I paying more than my copay? |
I thought if insurance DID cover a drug the participant was responsible for their copay, if they didnt cover it the insured could pay for the drug outright or get a script for a drug they do cover....I had a drug filled that was $140. The insurance company covered the drug and paid part of it, I still owed $111.28 vs my $15.00 copay---why is that? If they covered it, why would I still be liable for more than my copay?! thanks :) |
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mbrcatz
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If it's "non-formulary" - not on the list of covered prescription drugs - it might not be covered at all, or might have a very, very small discount. That's pretty common with very, very new drugs.
Although most plans offer a "formulary" copay, and a "nonformulary" copay.
Amusingly enough, my thyroid medicine from Walgreens was costing me my prescription copay every month ($25), but when I went to Sam's Club with it, it was only $11. Not even the copay.
One thing you can do, is go back to the doc and ask them if there's something "older" in a generic, that's almost as good as the new one . . . get a list from Walmart of their $4 prescription drugs . . . see if you can get something that does the same thing there, for $4. |
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xinerevelle
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Sounds like it wasn't a covered drug, or that it wasn't covered at the same level as your $15 copay (which is probably for generics or some limited list of drugs on their "formulary").
Also, maybe your copay levels changed to a percentage? This happened to us this year... we used to pay $10/$25/$40 depending on the type of drug. Now we pay $10/$25/percent of total.
I would go back to your plan documents (frequently found online at the insurer's website) and review what your coverage is. |
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pilot
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Co pay can be any amount even up to 99% of the cost of the drug. Some companies vary the copay based upon their assessment of the drug, it's cost and the cost of generic equivalents. |
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DuSteDShaDoW
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Simple answer, the drug is not covered on that plans certificate as a brand name, preferred or generic.
In other words, the drug the doctor gave you is not on the formulary list.
Work with your health care provider and see if there would be another drug that is just as effective to treat your medical condition. Appeal to the insurance company and see if the requested drug can be added to the formulary. |
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Custo
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You probably have a Prescription deductible... It sounds like you're getting the insurance company discount; but your copay's not applying. Maybe its non-formulary... Maybe a deductible. Something's getting covered or discounted. Call your insurance... |
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Still reading
 |
Depends on how your insurance works. Many have multiple levels of drug coverage in their formularies. Mine has generics, preferreds, and others in the formulary. For each, I have a different amount that I pay. In my husband's case, he pays the copay on generics and a percentage of any other prescriptions. So, nobody on here can give you a solid answer, but I'm sure the insurance company would help. |
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guppy137
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Insurance companies have all kinds of tricks up their sleeves.
1. If you get a brand drug, and there is a generic for it, they can charge you the difference between that and the copay.
2. If you get a prescription that is not in their formulary, even if it is the best drug for the ailment, they can charge you a higher rate.
3. If you get a prescription for some drugs that used to have a generic, but no longer does, and the brand is now the generic, they can still charge you the higher rate as if it were brand with a generic available.
Hey, there are reasons the only ones in the health care profession that are making a profit are the insurance companies. |
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olegnatalia_coolcousins
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Well because JUST BECAUSE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!... |
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teddybears
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because it probably was not a generic drug and the script the doc gave you was probably not for generic drug.....your insurance company probably only pay for generic drugs if there is one available for what you need...... |
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