I hate my insurance company

[Immortal Soldier]

So I pay for an Blue Cross Blue Shields plan and I have have had it for a couple months, Aetna is better there co-pays are 10-20 dollars yet Blue Cross is 20-40 dollars.

Anyway I get prescribed Cialis and MY FVCKING INSURANCE COMPANY DOESN'T COVER IT. Apparently it is not an "important medical problem"

Apparently ED medication is not covered in my plan or any plan for that matter from what the representative told me over the phone.

So I told her why the hell they would they cover my 500 dollar a month acne antibiotics??? (which its not an important medical problem) and not cover $189 dollar Cialis medication?

Those fvckers expect me to pay 189 dollars for ten pills? (which I would go through in a heartbeat)

Screw that....damn it now I have to buy from that shit from steroid sources.

[powerful intelligent]

Hey it is a profit driven industry. You have to look at insurance agency like - gangsters. if you look at them any other way you will be misguided into beliveing that they are there to help you.

[jbm]

all i can say is insurances really sucks!

[gixxerboy1]

So I pay for an Blue Cross Blue Shields plan and I have have had it for a couple months, Aetna is better there co-pays are 10-20 dollars yet Blue Cross is 20-40 dollars.

Anyway I get prescribed Cialis and MY FVCKING INSURANCE COMPANY DOESN'T COVER IT. Apparently it is not an "important medical problem"

Apparently ED medication is not covered in my plan or any plan for that matter from what the representative told me over the phone.

So I told her why the hell they would they cover my 500 dollar a month acne antibiotics??? (which its not an important medical problem) and not cover $189 dollar Cialis medication?

Those fvckers expect me to pay 189 dollars for ten pills? (which I would go through in a heartbeat)

Screw that....damn it now I have to buy from that shit from steroid sources.

but health insurance is great the way it is. nobody wants health care reform.

As far as the co pay amount, you can get almost any copays u want. you pick it with your plan. But pay more for lower copays and deductibles

[Immortal Soldier]

but health insurance is great the way it is. nobody wants health care reform.

As far as the co pay amount, you can get almost any copays u want. you pick it with your plan. But pay more for lower copays and deductibles

Well my plan was virtually the same price as the Aetna plan I bought last year, actually this was more expensive because I bought the "upgraded" version of the plan which covered more. I switched over to Blue Cross in Augest.

[auslifta]

I HATE all insurance company policies

[JDawg1536]

It's because you don't rack your ****ing weight.

[DSM4Life]

Rack your weight biotch !

[J-Dogg]

Insurance should not cover ED meds...

You are taking AS and asking them to cover your Acne meds of $500 a month, and your bonner pills for 20 bucks each? You know the sides of these AS when you take them.

[zimmy]

I actually agree with J-Dogg....holy crap....that's a first

[thegodfather]

So I pay for an Blue Cross Blue Shields plan and I have have had it for a couple months, Aetna is better there co-pays are 10-20 dollars yet Blue Cross is 20-40 dollars.

Anyway I get prescribed Cialis and MY FVCKING INSURANCE COMPANY DOESN'T COVER IT. Apparently it is not an "important medical problem"

Apparently ED medication is not covered in my plan or any plan for that matter from what the representative told me over the phone.

So I told her why the hell they would they cover my 500 dollar a month acne antibiotics??? (which its not an important medical problem) and not cover $189 dollar Cialis medication?

Those fvckers expect me to pay 189 dollars for ten pills? (which I would go through in a heartbeat)

Screw that....damn it now I have to buy from that shit from steroid sources.

Insurance exists to cover catastrophic events, not routine maitenance. Insurance agency's measure risk. Anyway, you are bitching about co-pays seriously? Insurance should not cover routine doctor visits AT ALL, but they unfortunately do, and to your benefit.

Who do you use for your car insurance? Why don't you call them up and ask them why they haven't been covering your oil changes, tire rotations, wiper blade replacements, and filling up your gas tank? For doing that, tell them you will pay them a $20-$40 co-pay. That is the equivalent of what you expect from BlueCross/BlueShield. I have their insurance plan, and I think it's excellent.

MEDICALLY NECESSARY, means will you die or suffer a significant loss in quality of life (grievous harm to your body, unable to move or perform other activities of daily living) without X procedure/medication.

Despite what you believe, sex is not necessary for you to live in the eyes of just about anyone. You will still be able to carry on with your day, however unhappy you may be. And, as a BlueCross/BlueShield member myself, I am pissed off that you are making MY PREMIUMS go up because YOU made a conscious decision to shoot anabolic steroids, and then suffered the side effects, and expected MY INSURANCE company to cover your negligence and stupidity.

Finally, order it as a damn research chemical its cheaper.

[Immortal Soldier]

Insurance should not cover ED meds...

You are taking AS and asking them to cover your Acne meds of $500 a month, and your bonner pills for 20 bucks each? You know the sides of these AS when you take them.

Thign is my Insurance company doesn't know I am taking AS.

Insurance exists to cover catastrophic events, not routine maitenance. Insurance agency's measure risk. Anyway, you are bitching about co-pays seriously? Insurance should not cover routine doctor visits AT ALL, but they unfortunately do, and to your benefit.
Well I wouldn't be bitching, if pharmaceutical companies didn't overprice their products to the point where co-pay is necessary by insurance companies
Who do you use for your car insurance? Why don't you call them up and ask them why they haven't been covering your oil changes, tire rotations, wiper blade replacements, and filling up your gas tank? For doing that, tell them you will pay them a $20-$40 co-pay. That is the equivalent of what you expect from BlueCross/BlueShield. I have their insurance plan, and I think it's excellent.
Yeah well you point me in the direction of the nearest neighborhood JiffyLube that charges 500 dollars for an oil change, 300 dollars for a tire rotations, 200 dollars for a wiper blade replacement and I will be inclined to agree

MEDICALLY NECESSARY, means will you die or suffer a significant loss in quality of life (grievous harm to your body, unable to move or perform other activities of daily living) without X procedure/medication.
My insurance plan when I bought it, I specifically paid for the updgraded version because it covered more "non-health threatening" things

Despite what you believe, sex is not necessary for you to live in the eyes of just about anyone. You will still be able to carry on with your day, however unhappy you may be. And, as a BlueCross/BlueShield member myself, I am pissed off that you are making MY PREMIUMS go up because YOU made a conscious decision to shoot anabolic steroids, and then suffered the side effects, and expected MY INSURANCE company to cover your negligence and stupidity.

Finally, order it as a damn research chemical its cheaper.

I am a college student paying my entire way through college without parental support, so I think I could get a break from my insurance company every once in a while seeing as how I am REQUIRED to have health insurance in order to take classes.

I have had ED since I was 17 years old, it was way before taking steroids or even any supplement for that matter, its one thing if I took AS and it made me get ED, but thats not the case I have had it for so long

[Immortal Soldier]

It's because you don't rack your ****ing weight.

Rack your weight biotch !

[J-Dogg]

Not really meaning to insult anyone here, but us here, and you, know that having your insurance company pay for your accutane is taking advantage of the system.

I feel the same way about anti-depressants people take. They take $200 in anti-depressants a month, and complain about $150 premiums. You want to take $700 in prescription drugs a month, and pay a fraction of that in monthly premiums.

For the people who are using the insurance as it's intended to be used for, are paying larger premiums to cover the extra cost people like you accrude.

It's not your fault really, but it's a flawed system that things like this are even covered.

[Dancer]

I have BC/BS also I think my plan covers $4-$5 of cialis.

Who cares, I am old I dont need a boner...

[Immortal Soldier]

Not really meaning to insult anyone here, but us here, and you, know that having your insurance company pay for your accutane is taking advantage of the system.

I feel the same way about anti-depressants people take. They take $200 in anti-depressants a month, and complain about $150 premiums. You want to take $700 in prescription drugs a month, and pay a fraction of that in monthly premiums.

For the people who are using the insurance as it's intended to be used for, are paying larger premiums to cover the extra cost people like you accrude.

It's not your fault really, but it's a flawed system that things like this are even covered.

I am not on accutane, never said I was. I am on dorryx, it eliminates acne by blocking protein synthesis in bacteria that cause acne causing them to die.

Look, I don't go to the doctor and say "give me the most expensive antibiotic you got so I can fvck over all the other people who use my the same insurance company".

In fact I got prescribed it on luck, I went in to a dermatologist to get my skin tag on my back removed and while I was there she said do you want something for your back acne? And I was like sure. She told me it was expensive, but I didn't know it would be 500 dollars.

But yeah my acne is a little worse than your common acne, my back bleeds meaning I have to wear an undershirt on all my clothes because just the clothing rubbing against the skin causes the pimples to rupture and bleed like a motherfvcker. I have bleed through shirts during workouts and I have stained countless undershirts.

Apparently blood doesn't wash out, it stains.


I am also prescribed Ambien (for sleep related problems), Zoloft (for aniexty), yet both of these pills cost 35 dollars WITHOUT INSURANCE so co-pay brings it down to 20 dollars.


What I don't get is how the fvck 10 pills of cialis costs 189 dollars?

[Hazard]

Be lucky you have insurance man......

I was working at a hospital 3 months ago..... I got offered an awesome opportunity to work for a company - they were about 7 years old and faily new. They didn't offer health insurance but compensated with a bigger salary...... I took the job since my wife had blue cross/blue shield through the same hospital.

My wife just got fired..... I have no health insurance for the 1st time in my life and it's scaring the sh*t outa me..... I could absolutely kill her

~Haz~

[Immortal Soldier]

Be lucky you have insurance man......

I was working at a hospital 3 months ago..... I got offered an awesome opportunity to work for a company - they were about 7 years old and faily new. They didn't offer health insurance but compensated with a bigger salary...... I took the job since my wife had blue cross/blue shield through the same hospital.

My wife just got fired..... I have no health insurance for the 1st time in my life and it's scaring the sh*t outa me..... I could absolutely kill her

~Haz~

I have gone most of my whole life without insurance brother, until I hit college I didn't have insurance. And I only bought it because it is mandatory.

I haven't been to the dentist since I was 12. luckily I have good teeth

[RuhlFreak55]

I have gone most of my whole life without insurance brother, until I hit college I didn't have insurance. And I only bought it because it is mandatory.

I haven't been to the dentist since I was 12. luckily I have good teeth

how exactly is this? i'm in college and they couldn't give two shits....not to mention, where do they get off making such a rule? That's unconstitutional and illegal.

And i agree that it's bullshit that you would even expect insurance to pay for these at all. They're not life threatening in the least, insurance is to protect against catastrophic loss.

And the drugs cost that much because the companies have to MAKE MONEY. Do you have ANY clue what kind of capital it takes to develop one of these drugs? All of that has to be recouped before a company can even BEGIN to make money

[RuhlFreak55]

Be lucky you have insurance man......

I was working at a hospital 3 months ago..... I got offered an awesome opportunity to work for a company - they were about 7 years old and faily new. They didn't offer health insurance but compensated with a bigger salary...... I took the job since my wife had blue cross/blue shield through the same hospital.

My wife just got fired..... I have no health insurance for the 1st time in my life and it's scaring the sh*t outa me..... I could absolutely kill her

~Haz~

why?

you're larger salary from the other job should have been putting money into an account specifically to pay for your healthcare.

[thegodfather]

You are not paying for the cost of the raw materials in the drug that you are buying. You are paying for the 8 years of research and 1 billion dollars in costs for clinical trials that it cost to bring that drug to market. A patent on pharmaceuticals only lasts 12 years, the typical time to bring it from start to finish meaning an FDA approval is around 8-9 years, meaning the company has very little time to recoup their money and turn a profit before generic manufacturers can start ripping off all their hard work. Not their fault, but easy for people who don't know any better to point the finger.

[Immortal Soldier]

how exactly is this? i'm in college and they couldn't give two shits....not to mention, where do they get off making such a rule? That's unconstitutional and illegal.

I have no idea, it is university policy either you have to proof of insurance or you have to by the university sponsored health insurance or else you can't register for classes.

You are not paying for the cost of the raw materials in the drug that you are buying. You are paying for the 8 years of research and 1 billion dollars in costs for clinical trials that it cost to bring that drug to market. A patent on pharmaceuticals only lasts 12 years, the typical time to bring it from start to finish meaning an FDA approval is around 8-9 years, meaning the company has very little time to recoup their money and turn a profit before generic manufacturers can start ripping off all their hard work. Not their fault, but easy for people who don't know any better to point the finger.

I am aware of the costs what I was saying is the double standard as well as the over pricing of certain medications by the pharmacuetical companies.

Like why would they cover my 500 dollar acne medication and not 189 dollar ED medication? I would be more than willing to give up my acne medication and not use it if they would cover my ED medication.

Also how come ED medication is priced so high? 10 pills of either levitra, cialis, or viagra costs 170-190 dollars and there are no generics. Now compare this to Zoloft and Ambien I take which are alot more chemicially complex (and arguably have had to spend more on research costs and clinical trial testing than ED medication) since they deal with brain function and chemicals yet these are only 35 dollars without insurance and 20 bucks with insurance (copay).

What I don't get is why it costs 190 dollars to pop a boner 10 times, if it was 50 dollars I would pay.

[RuhlFreak55]

this thread makes me angry

[RuhlFreak55]

Like why would they cover my 500 dollar acne medication and not 189 dollar ED medication? I would be more than willing to give up my acne medication and not use it if they would cover my ED medication.

any drug you can 'give up' you never needed to begin with so quit taking it and making everyone else's premiums go up. I know we live in a medicated society but that's absurd. You don't take something unless it's either a. required for you to live or b. your life without it will be like being a quadriplegic.

wtf do you do just say "oh yes doctor, put me on whatever you want. I'm sure you know my body better than i do" wtf

[Immortal Soldier]

any drug you can 'give up' you never needed to begin with so quit taking it and making everyone else's premiums go up. I know we live in a medicated society but that's absurd. You don't take something unless it's either a. required for you to live or b. your life without it will be like being a quadriplegic.

wtf do you do just say "oh yes doctor, put me on whatever you want. I'm sure you know my body better than i do" wtf

Yeah I don't think I want my back to bleed through my shirts for the rest of my life. Might not be life threatening, but damn it, I don't want to keep buying more shirts.

You're on crack if you think I alone am making your insurance premiums go up, I rarely get sick *knocks on wood*, I do have a few issues but the cost of these issues are far less than most people I know who go to the hospital all the time for shit.

[Mooseman33]

immortal, the rise in insurance costs are all ur fault..

now stop, ur making ruhl mad...

[RuhlFreak55]

Yeah I don't think I want my back to bleed through my shirts for the rest of my life. Might not be life threatening, but damn it, I don't want to keep buying more shirts.

You're on crack if you think I alone am making your insurance premiums go up, I rarely get sick *knocks on wood*, I do have a few issues but the cost of these issues are far less than most people I know who go to the hospital all the time for shit.

people like that need to die

[Hazard]

why?

you're larger salary from the other job should have been putting money into an account specifically to pay for your healthcare.

I had the job for 3 months..... she is now laid off..... my income is the only income supporting us. If I buy health insurance for the 2 of us on our own plan and not through a job - I wont be able to afford heat this winter.....

I took the job without much haste because she had health insurance. I would have had 2nd thoughts if I knew she was going to be fired..... Normally that extra money would have been put away in savings for something such as this..... but the unfortunate part of owning a house is that something always breaks.... I.E. my water heater - also need 4 new tires for the car.....

~Haz~

[Hazard]

Oh and for the record..... I am not scared for myself. I rarely goto the doctor.... I am on NO prescriptions.

My wife however has had 3 serious stomach surgeries and has a bladder problem. If she needs another emergency surgery - i'll be in debt over my eyes.....

~Haz~

[ajweb]

did they offer her Cobra? I know its expensive but employer is required to pay I think 35% of the cost thru one of Obamas programs

[RuhlFreak55]

did they offer her Cobra? I know its expensive but employer is required to pay I think 35% of the cost thru one of Obamas programs

i can't wait till we get rid of that moron

[Hazard]

I havn't heard anything about cobra just yet..... I still may not be able to afford it. It's going to depend on her unemployment benefits..... And you better believe i'm going to have her collect unemployment after paying for it all these years.....

~Haz~

[DSM4Life]

[normaljoe]

I havn't heard anything about cobra just yet..... I still may not be able to afford it. It's going to depend on her unemployment benefits..... And you better believe i'm going to have her collect unemployment after paying for it all these years.....

~Haz~

GO JOE!