Friday, October 7, 2011

Dang Insurance

My frustration level has reach the ceiling.  Matt went to get Ben's medicine on Monday and we were told that the insurance was expired.  The cost of his medicine with insurance is $10......without insurance it is $500+.  I am totally blown away.

I called the peds office on Monday and spoke to his doctor, who is amazing.  He said that they did not have any samples in the office, but they would get the drug rep in to get some for us.  I was so thrilled.  Unfortunately, I just got off the phone with them and the drug rep still has not shown up.  I am going on day 3 without medicine for Ben and it is starting to get bad.  He is snotty and starting to cough.  I have doubled up on his inhaler and started albeuterol to try to get ahead of it and not let it settle into his chest.  Keep your fingers crossed that we do not end up in the hospital just kills me to have to be there.  I am hoping that if we have to do something we can get o2 at home, but that would take insurance and we still don't have any.

Matt's company is working on it.  They have been working with UHC to underwrite a new policy because of Obama care.  The company he works for is a virtual company and you are not suppose to be able to purchase insurance over state lines.  Well, that sucks.  How is a company suppose to provide insurance when it is virtual and has employees in at least 8 different states.  With Obama care the company will be fined if they do not provide insurance, but how can they when the law prevents them from doing so.  Get a policy for each state....that would be way expensive for everyone.  I am not even sure that is possible because the company is not in all states.....what the heck.

I am hoping we will have insurance by the end of the day or the doctor's office calls with samples.  Otherwise, I am going to have to cough up the $500+ and it is really going to put a crimp in the budget.



  1. I understand the Grrrr. Hope everything is looking better by now. Too bad they didn't give warning at least.

  2. Hope this mess up doesn't "ruin Ben's day! Love you people.

  3. We never did get samples from the doc office.....we did however, do a short fill for 2 weeks of meds. It was not as hard on the wallet and we will eventually get our money back from the ins company.

    Waiting for the meds did not ruin his day, so I think he is doing well.