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| A Question About Health Insurance; concerning cvoverge of contraceptive prescriptions | |
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| Tweet Topic Started: Mar 27 2014, 12:10 AM (305 Views) | |
| colo_crawdad | Mar 27 2014, 12:10 AM Post #1 |
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Fire & Ice Senior Diplomat
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My wife and I were just watching a news reort that Hobby Lobby provides employee health insurance that does snot cover prescribed contraceptives. Our question is this. How do insurance companies eliminate the payment for those prescriptions while covering other prescriptions? Is it by attaching riders to policies? How does a pharmacy know whether or not a specific policy covers prescribed contraceptives? |
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| Pat | Mar 27 2014, 01:14 AM Post #2 |
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Fire & Ice Senior Diplomat
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Good question, I'm sure it can be managed but at what cost in administration? I thought one of the questions a justice of the court asked made sense. Why doesn't Hobby Lobby and the other organization protesting this just cancel health insurance coverage and then give each employee a pay raise that would cover them buying their own insurance? Problem solved. |
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| Berton | Mar 27 2014, 02:25 AM Post #3 |
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Hobby Lobby has top flight insurance for their employees which does in fact cover a number of prescription contraceptives. In fact in their lawsuit they only object to 4 of the 20 some contraceptives in Obamacare. Hobby Lobby has said a number of times that they have no objection to contraceptives in general, only those which will kill a fetus after conception. It is all on computers the Pharmacists use to find out if the prescription is covered. It has worked this way for a very long time. I think if a company as large as Hobby Lobby stopped carrying insurance for their employees they would face a heavy fine. Edited by Berton, Mar 27 2014, 02:32 AM.
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| colo_crawdad | Mar 27 2014, 02:31 AM Post #4 |
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Fire & Ice Senior Diplomat
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If Hobby Lobby has great insurance now, what do they do with the four prescription contraceptives they do not like? Are there riders in the policies concerning the four they do not like?How does a pharmacist determine which prescriptions are covered? Those were my original questions? |
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| Berton | Mar 27 2014, 02:34 AM Post #5 |
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Each policy has a Formulary which is a list of what is covered. It has been that way for years. http://en.wikipedia.org/wiki/Formulary_%28pharmacy%29 Edited by Berton, Mar 27 2014, 02:36 AM.
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| colo_crawdad | Mar 27 2014, 02:42 AM Post #6 |
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Fire & Ice Senior Diplomat
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Coupled with Pat's response, Berton may have just explained why per capita health care is so very expensive in the United States. Particularly when medial advances are developing new prescription drugs daily. Keeping each policy's "forumulary (sp)" up to date would have to be very expensive. |
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| Berton | Mar 27 2014, 02:45 AM Post #7 |
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Not really. Every year my policy publishes a up to date list and then during the year if a change needs to be made they send out a news letter. It does not change that much. From my link above: "In the US, where a system of private healthcare is in place, a formulary is a list of prescription drugs available to enrollees, and a tiered formulary provide financial incentives for patients to select lower-cost drugs. For example, under a 3-tier formulary, the first tier typically includes generic drugs with the lowest cost sharing (e.g., 10% coinsurance), the second includes preferred brand-name drugs with higher cost sharing (e.g., 25%), and the third includes non-preferred brand-name drugs with the highest cost-sharing (e.g., 40%).[2] When used appropriately, formularies can help manage drug costs imposed on the insurance policy.[2] However, for drugs that are not on formulary, patients must pay a larger percentage of the cost of the drug, sometimes 100%. Formularies vary between drug plans and differ in the breadth of drugs covered and costs of co-pay and premiums. Most formularies cover at least one drug in each drug class, and encourage generic substitution (also known as a preferred drug list).[3]" |
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| campingken | Mar 27 2014, 04:10 AM Post #8 |
Fire & Ice Senior Diplomat
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http://www.medicarepenispumps.com/ Where is the hue and cry from the right over this? Medicare paying for Penis Pumps s fine but "religious" companies shouldn't have to pay for a women's birth control??? Perhaps it is because Angry Old White Men are the users of Penis Pumps? |
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| colo_crawdad | Mar 27 2014, 04:16 AM Post #9 |
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Fire & Ice Senior Diplomat
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Edited by colo_crawdad, Mar 27 2014, 04:18 AM.
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| Pat | Mar 27 2014, 04:29 AM Post #10 |
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I wouldn't know anything about that one Ken but I could understand you guys being upset to be in such a situation.
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