Showing posts with label high deductibles suck. Show all posts
Showing posts with label high deductibles suck. Show all posts

Thursday, January 22, 2015

And Thus It Begins.....

Yes, the new year means we are at $0 satisfying our High Deductible Health Insurance Plan's deductible before benefits/co-pays kick in.
Sigh.

I needed to refill some rxs earlier this week.  Only one was REALLY costly..................


Once our bennies kick in I co-pay between $45 and $50 for this script.
So I am out of pocket $335.39 for 1 prescription.
ouch.
Well, really our HSA is out the money.

I now have a pattern for drug refills since having to go onto this health insurance plan with a high deductible......beginning of the year, when I have to pay full freight, I transfer everything over to Walmart that's on their $4 refill list.  Once the deductible is satisfied for the year, I transfer every drug back to Rite-Aid that will have a $5 co-pay there.  I am paying $1 more per refill but the convenience of having these filled in town is worth that much.

Thankfully 2 of my other rxs are of the generic $4 variety and need to be transferred to Walmart and filled next week.
But I do have 1 more rx that won't need filling until the end of Feb. but this cost may top $470.  There are no generics for this one sadly.
8-(

Hopefully by the time that one needs refilling I'll have enough new deposits into the HSA to cover it.

Sluggy