Re:Obamacare Plans Bring Hefty Fees for Certain Drugs
by refurb on Monday March 24, 2014 @01:17PM
(#7459543)
You are right that the situation for the first woman is better overall.
I think the point of the article is that for those who were previously insured who are moving to exchanges may find that the benefit design is very different than their old coverage. In order to keep premiums low, insurers are keeping closed formularies and a very limited list of covered medicines.
I think this is one of those "buy beware" stories. Make sure you know what you're paying for.
Anyway, to back up what i just said, here's the unabridged 2nd paragraph: "Under the plan, her Celebrex would have cost $648 a month until she met her $1,500 prescription deductible, followed by an $85 monthly co-pay."
followed by the following in the 5th paragraph: "Before the federal health law took effect, Mason paid slightly more for her monthly premium on a plan that didn't cover her arthritis or pain medications and some routine doctor's visits."
A lot of the other examples they have are "patient was trying to get name brand drug rather than the available generic". Now for some meds (birth control for example) the exact brand can be important, but for most it doesn't.