View Full Version : Healthcare billing
iris lilies
2-6-21, 10:27am
This is mostly a rant and I’m sure others will join me. I’m not going to expend my focus time and energy and understanding so if someone is going to explain it to me, you’re wasting your breath. But I do appreciate your effort!
So I’m now getting those financial reports that make no sense, The ones that America complains about. In the past year I had medical procedures like a colonoscopy. A mammogram. Standard blood tests.
I get reports that say “this is not a Bill” and say something like “your procedure was $9000. Medicare covers $2,300. You may owe $162.35” It’s ridiculous and it makes no sense to me. And then, the hospital where I have this stuff done has screwed up billing. I don’t remember what signaled they were billing me too much because how would I know? But something did tell me the bill was wrong. I called the hospital and they said oh yeah you’ve paid too much, we will issue a credit.
And then, my most recent blood test generated a bill from the lab. And I thought what the hell? Shouldn’t Medicare be paying for a standard blood lab? I want my gubmnt benefit dammit! So I called the lab and they said they did not have my insurance number, the doctor’s office had not passed it on. So that’s fine I gave it to them and they will likely be no charge for that.
But at the moment I’m not gonna spend my time figuring these bills out. My philosophy now is that I will just glance at them, file them away, and ignore anything that comes even if it says it’s a bill. I may pay attention to it a year down the road if it says something like “we are taking you to collections” Or something like that.
By the way, I also learned that mammograms are not free. We hear that Obamacare made so many things free, well not this. Here’s the difference —while a preventative mammogram is free, A diagnostic mammogram is not free.
If you ever had a suspicious mammogram any mammogram after is considered diagnostic, ditto a colonoscopy. For this reason I do not plan to ever have another colonoscopy. The small benign polyps found last time would now cost me thousands.
My mother was in an accident and the other party was at fault. This was in June and the billing is still a mess. She refused to get a lawyer and now Medicare is putting a lien on her very small pain and suffering payment. She said it is such a common problem that Medicare has printed a pamphlet on how to deal with a lien which they sent her.
Meanwhile she called the new vaccination hotline and got nowhere.
I wish semi-senile Biden did not have staffers and had to navigate these types of things himself. I bet things would change then.
Agreed, it's complete insane and very stress inducing. I really feel for people who have serious health issues and have to deal with this crazy system on a regular basis.
Even having "good" employer-provided health insurance doesn't insulate you from the madness. Case in point: The week before Thanksgiving I landed in the ER with what turned out to be a kidney stone. Long story short, I ended up having to have the stone surgically removed. A few weeks later the co-pay bills started rolling in. It was wonderfully mysterious--each time I opened one I didn't know if it was going to be for $5 or $500.
What mainly struck me about the whole episode was this: From the moment I walked into the ER I experienced nothing but kind, caring, state-of-the-art medical care. The hospital staff and nurses were fantastic, and my urologist is a great guy. I felt incredibly lucky to get this very painful problem treated so quickly and effectively, especially in the middle of a raging pandemic.
The mystery to me is how we can have a system that is so great when it comes to providing care and such an incoherent mess when it comes to how it is financed. :|(
Teacher Terry
2-6-21, 11:05am
I always stay on top of the medical bills because sometimes they haven’t bothered to submit to insurance. I used to pay medical claims for a living before I went to college so don’t mind.
rosarugosa
2-6-21, 11:08am
If you ever had a suspicious mammogram any mammogram after is considered diagnostic, ditto a colonoscopy. For this reason I do not plan to ever have another colonoscopy. The small benign polyps found last time would now cost me thousands.
My mother was in an accident and the other party was at fault. This was in June and the billing is still a mess. She refused to get a lawyer and now Medicare is putting a lien on her very small pain and suffering payment. She said it is such a common problem that Medicare has printed a pamphlet on how to deal with a lien which they sent her.
Meanwhile she called the new vaccination hotline and got nowhere.
I wish semi-senile Biden did not have staffers and had to navigate these types of things himself. I bet things would change then.
Jeppy: Your experience is not universal. I once had a suspicious mammogram and my subsequent mammos. were still covered in full as preventative. I've also had polyps removed and subsequent colonoscopies were still covered in full.
Yeah, I stopped paying attention to my EOBs ages ago, unless there seemed to be something wrong. Those statements are incredibly confusing. All part of too many cooks in the kitchen.
iris lilies
2-6-21, 11:23am
And then there is the small office of my doctor. I’m not complaining about her because I really like my doctor, she is a direct care physician and I pay out of pocket to see her. Her office is on the tiny Main Street in Hermann.
I have been going to this doctor for exactly one year. Prior to that I didn’t see a physician for something like 10- 12 years. Anyway, within the 12 months I’ve been going to this doctor’s office they have been on three separate computerized patient systems. Things fall through the cracks. My doctor called to apologize for one screw up. I’m not mad or annoyed, this stuff happens. But mainly, my expectations are low.
I knew when she announced last spring that they were going to install a new computer system and run side-by-side systems because one had good charting functionality and the other had good everything else, that would be a cluster ****.And yes it was because within six months she announced an entirely new system.
Yeah, I stopped paying attention to my EOBs ages ago, unless there seemed to be something wrong. Those statements are incredibly confusing. All part of too many cooks in the kitchen.
I used to feel bad that I, a college graduate with a degree somewhat adjacent to English, could not figure out exactly what an EOB was telling me. I don't believe they're designed to be understandable.
Now I just wait for the provider's office to bill me. If the bill looks ridiculous I'll investigate; otherwise it's a lot of my time for a very unclear outcome.
The EOB is how you are supposed to be able to tell if you’ve been over billed. If you ignore those than you are trusting the provider to have done things correctly.
ApatheticNoMore
2-6-21, 1:42pm
I thought they were about the deductible, but on most PPOs (not just high deductible ones) you simply won't ever exceed the deductible unless you have quite serious health problems that year, so.
iris lilies
2-6-21, 2:28pm
The EOB is how you are supposed to be able to tell if you’ve been over billed. If you ignore those than you are trusting the provider to have done things correctly.
What pray tell is an EOB?
What pray tell is an EOB?
Explanation of benefits
iris lilies
2-6-21, 3:01pm
Explanation of benefits
Does this EOB thingie come with my initial insurance package? Or does it come with an actual bill? Or does it come with these mailings that are not bills, they look like pseudo-bills, they may come from Medicare and they also come from the insurance company?
This is mostly a rant and I’m sure others will join me. I’m not going to expend my focus time and energy and understanding so if someone is going to explain it to me, you’re wasting your breath. But I do appreciate your effort!
So I’m now getting those financial reports that make no sense, The ones that America complains about. In the past year I had medical procedures like a colonoscopy. A mammogram. Standard blood tests.
I get reports that say “this is not a Bill” and say something like “your procedure was $9000. Medicare covers $2,300. You may owe $162.35” It’s ridiculous and it makes no sense to me. And then, the hospital where I have this stuff done has screwed up billing. I don’t remember what signaled they were billing me too much because how would I know? But something did tell me the bill was wrong. I called the hospital and they said oh yeah you’ve paid too much, we will issue a credit.
And then, my most recent blood test generated a bill from the lab. And I thought what the hell? Shouldn’t Medicare be paying for a standard blood lab? I want my gubmnt benefit dammit! So I called the lab and they said they did not have my insurance number, the doctor’s office had not passed it on. So that’s fine I gave it to them and they will likely be no charge for that.
But at the moment I’m not gonna spend my time figuring these bills out. My philosophy now is that I will just glance at them, file them away, and ignore anything that comes even if it says it’s a bill. I may pay attention to it a year down the road if it says something like “we are taking you to collections” Or something like that.
By the way, I also learned that mammograms are not free. We hear that Obamacare made so many things free, well not this. Here’s the difference —while a preventative mammogram is free, A diagnostic mammogram is not free.
'This is not a bill" statements from your insurance are called EOBs: Explanation of Benefit. Having at one point in my career, negotiated contracts with insurance carriers, I can tell you that in order to get the X $ we need to stay solvent, we have to bill a higher amount that sounds ridiculous and stupid. The lowest payor in the country is Medicare/Caid/Tricare.
Yes, it matters how your provider 'codes' the visit. They used the wrong code on your Mammogram and they should rectify that for you.
No, it is not the hospital's responsibility to provide the laboratory with your insurance information but they do have a responsibility to inform you they use an outside lab.
I know you didn't want an explanation but in case other's here wanted information, this is the short version.
The billing/insurance side of running my facility took a great deal of energy and resources. When I built this facility and learned all this crap, my line was "I've learned more crap about shit that I never wanted to know, than I ever thought I could." :0!
If you ever had a suspicious mammogram any mammogram after is considered diagnostic, ditto a colonoscopy. For this reason I do not plan to ever have another colonoscopy. The small benign polyps found last time would now cost me thousands.
Not true. My annual mammogram is always covered 100% as is the colonoscopy with polyp removal.
If these are not covered, the coding from the provider is wrong.
Does this EOB thingie come with my initial insurance package? Or does it come with an actual bill? Or does it come with these mailings that are not bills, they look like pseudo-bills, they may come from Medicare and they also come from the insurance company?
Here is the process:
1. Visit to Dr and/or facility is completed.
2. Dr/Facility bills insurance company.
3. Insurance adjudicates the bill. (determines what your insurance discount is, how much they will pay, what you may owe the provider).
4. Insurance company sends you the EOB-Explanation of Benefits.
5. At some point after the Dr/Facility receives their copy of your EOB, they generate a bill to you. It may or may not show what the EOB shows. It shows you what you owe.
Patient:
6. NEVER pay a bill until you have received and reviewed the EOB.
7. Check each line item to be sure you received that service.
8. Check the "you may owe" line against the bill you've received from the Dr/facility.
9. If they match, pay your balance when due.
10. If they do not match, file a complaint with Dr/Facility. (tell them to put your account on hold so no late fees accrue and don't take no for an answer).
I personally think the EOB is the easiest healthcare document to understand. Line item facility bills are the worst. Their accounting systems only have X characters available for item description so for someone not familiar, they are garbage. Because of my career experience, I could determine what items were when I had my knee replacement 3y ago. Total Greek to hubby.
Edited to add: If you get a bill before an EOB, disregard it. The clock does not start until the insurance company adjudicates and generates your EOB.
Jeppy: Your experience is not universal. I once had a suspicious mammogram and my subsequent mammos. were still covered in full as preventative. I've also had polyps removed and subsequent colonoscopies were still covered in full.
I am happy for you. This has been my experience with colonoscopy (current employer) and a coworker with mammograms (previous employer). If you switch insurance companies (new job, or employer changes the carrier) sometimes you can get around this.
I always read EOBs and on several occasions have successfully fought charges. One time I had to go through two levels of appeals but I won. There are people who will fight these fights for you for a percent of the money they save you but I have never hired them.
iris lilies
2-6-21, 3:24pm
Not true. My annual mammogram is always covered 100% as is the colonoscopy with polyp removal.
If these are not covered, the coding from the provider is wrong.
My mammogram was diagnostic I assume because I had a cyst that had to be identified as such. That is diagnostic, right?
I am happy for you. This has been my experience with colonoscopy (current employer) and a coworker with mammograms (previous employer). If you switch insurance companies (new job, or employer changes the carrier) sometimes you can get around this.
It is not a workaround. The benefits should be covered. The biller has done something wrong in coding if it is not covered based on the prevention screening calendar for each.
My mammogram was diagnostic I assume because I had a cyst that had to be identified as such. That is diagnostic, right?
Yes, it sounds diagnostic as there was already an issue identified. Different from preventive screening mammogram.
3y ago I got sent for a followup diagnostic ultrasound mammogram as something suspicious was identified on my screening mammogram. The screening was 100% covered, the diagnostic was subject to insurance plan copays. I don't go to that facility for my mammograms anymore. If they had compared to past mammograms they would have seen that diagnosis.
We must always be our own advocate with billing and costs. No one else will!
Here is a link on colonoscopy costs. If you scroll down to the section "So What Causes This?" the #1 response is the one I referred to:
https://help.ihealthagents.com/hc/en-us/articles/223518988-I-Am-Due-For-a-Colonoscopy-Is-it-Covered-#:~:text=For%20people%20between%2050%20and,part%20 of%20a%20routine%20colonoscopy.
"The first one is free, and none of the rest are."
Also check out the reader comments at the end. One woman's colonoscopy was over $25,000.00!
iris lilies
2-6-21, 4:31pm
I remember that my first “procedure” after a long dry spell of no health care was this mammogram. I thought to myself at the time that I had no idea how my insurance would work with it, but I would just go ahead and have it done and how much could it be really? How much would I owe? I trusted that all would be well. And it was. I DID owe some money for it because I had to make the deductible but that’s fine, to be expected.
Teacher Terry
2-6-21, 7:27pm
I had to have a ultrasound after a suspicious mammogram and all mine since are coded preventative so free.
The EOB is how you are supposed to be able to tell if you’ve been over billed. If you ignore those than you are trusting the provider to have done things correctly.
i give it a quick look and then it goes in my toss-after-a-while file. Between what is charged, what is "discounted", what is submitted to the insurance company, what the insurance company pays, what the provider's office chooses to do at that point, what finally shows up on my bill, and what I have to pay before or after meeting my deductible, it's a lot of fictitious numbers and it's not like most of us can do any kind of comparative shopping before the procedure. Even the practitioner's office can't tell you what it's suppose to cost (even assuming a best-case no-surprise scenario).
So I see if the charge passes the smell test. Maybe $400 for removing a skin tag is too much; I'll question that. In the meantime, though it's weeks of bills going back and forth from the doctor to the insurance company and back to me. It's a mess.
In the meantime, though it's weeks of bills going back and forth from the doctor to the insurance company and back to me. It's a mess.
That is crazy. You should receive an EOB and then a bill adjusted for the EOB charges and payment. That should be it.
Steve agreed most of us cannot comparison shop beforehand. My state has a law that you have a right to know what you will pay up front but I have run into a lot of resistance. First you have to get the provider to provide you with the billing code, then you have to get the insurer to provide you with the amount they pay for it. My insurance company didn't and I complained to the insurance commissioner and the insurer said they only administer the plan, my employer is the actual payer. Since they self-insure they are exempt from this law. But sometimes a good provider has gotten the information from the insurer for me.
Occasionally I have reached a US rep at the insurance company who will call me back in a couple days with the info, but the Philippine call center personnel are awful.
Price comparison is not at all possible from the facility end for a variety of reasons.
1. There are no flat rates.
2. Every insurance provider is a different contract, a difference discount therefore a different "allowable" price.
3. In hospitals, charges are by time increment. Different surgeons, different lengths of procedure.
4. In hospitals, many many supplies can be line item charged. Different surgeons, different supplies.
5. Billing is by code (CPT code for procedures). You could have a "simple" back surgery and have 3 billable codes. Youd could have a complex back surgery with 3 billable codes plus plates/screws/rods/cages etc that are billable for each unit used.
If you have an outpatient procedure in an outpatient setting, we can give you your out of pocket cost. We do need your surgeon CPT codes. We then evaluate your insurance plan and give you cost. We are flat-fee rather than time billed. It is rare we can bill you for a supply. Some of my insurance contracts did not pay for implants, while others did and I only asked for cost + 10%. So we could fix your wrist for say $2600 and eat the $2800 for the plate and screws. All of your anesthesia supplies and medications are included in the flat-fee. Your only additional bills will be surgeon and anesthesiologist.
Medicare patients SHOULD be able to get accurate costs. Medicare has a flat rate for every single CPT procedure code in the book. They have an algorithm for how we are paid for additional procedures if you have more than 1 at that visit.
I worked with cost-accounting at my first job trying to come up with a way to give price estimates back in the late 90s. It was a dismal failure. I was allowed ranges but it doesn't help you much if your estimate for back surgery is $15k-45k does it? It's a nightmare. So I know it's a nightmare from the layperson patient side.
All of this said, I have been retired for 18 months. I doubt there has been much change to any of the above but it's possible.
Last year I had a mammogram, colonoscopy both fully covered. I had my annual wellness visit and they are trying to make me pay OOP (out of pocket). I'll be fighting that as the ACA says we get an annual exam.
I had a skin screening as I have 2 sisters now with malignant melanoma caught early stage and fully removed. There is no preventive coverage for that.
i give it a quick look and then it goes in my toss-after-a-while file. Between what is charged, what is "discounted", what is submitted to the insurance company, what the insurance company pays, what the provider's office chooses to do at that point, what finally shows up on my bill, and what I have to pay before or after meeting my deductible, it's a lot of fictitious numbers and it's not like most of us can do any kind of comparative shopping before the procedure. Even the practitioner's office can't tell you what it's suppose to cost (even assuming a best-case no-surprise scenario).
So I see if the charge passes the smell test. Maybe $400 for removing a skin tag is too much; I'll question that. In the meantime, though it's weeks of bills going back and forth from the doctor to the insurance company and back to me. It's a mess.
I’m not suggesting that you are able to negotiate pricing. Gardnr does a good job below of explaining why that’s impossible. I’m simply saying that the EOB is where you catch billing errors. For instance, my dentist gets pre-approval if I need a procedure beyond a standard cleaning. They Bill me at the time of the procedure based on that. One time when I got the EOB it didn’t match the bill. I was able to get a refund for the difference from my dentist. I suppose if one just pays a flat dollar copay or if one hits the max out of pocket every year it might not matter, but even then it would matter if one went out of network for a service.
We are considering using a DCP provider for my husband here. Does anyone do this--it is 90 dollars a month for an adult over 65, and obviously, it just covers office visits and the stuff they can do there--they say they do things like flu tests and stitches. They provide some common meds at discount. Would this make sense--he likes the idea. I'd rather find a woman doctor, or I might try it--he is a solo practitioner.
That is crazy. You should receive an EOB and then a bill adjusted for the EOB charges and payment. That should be it.
Should be, yes. Unfortunately too often it's a multi-month process.
I’m not suggesting that you are able to negotiate pricing. Gardnr does a good job below of explaining why that’s impossible. I’m simply saying that the EOB is where you catch billing errors.
But that's exactly my point. Without knowing what the procedure is supposed to cost, even on a rough basis, I have no way of knowing if it was coded correctly other than the smell test. I've also received bills sent before insurance has paid anything (I ignore those because sometimes the practice will write off any difference and sometimes they won't).
Between all that and where we are with deductibles (maybe it's my fault I don't balance our multiple tiers of copays and deductibles among doctors/surgery/Rxes like a checkbook register), it all resembles some weird Rube Goldberg contraption that spits out a price. My life is simpler for looking at that figure and saying, "Oh. Okay" and shrugging or saying "What the..." and calling to investigate.
Teacher Terry
2-7-21, 10:46am
Tybee, no I won’t pay for that kind of care. Not worth it to me. I think IL does though.
iris lilies
2-7-21, 11:07am
We are considering using a DCP provider for my husband here. Does anyone do this--it is 90 dollars a month for an adult over 65, and obviously, it just covers office visits and the stuff they can do there--they say they do things like flu tests and stitches. They provide some common meds at discount. Would this make sense--he likes the idea. I'd rather find a woman doctor, or I might try it--he is a solo practitioner.
Yes! Let me tell you about my experience.
My Direct Care Physician is a youngish female doctor in practice for about eight years. She has a small office in Hermann, Missouri on the main street. I love that because you can park right in front of her office and walk in. None of this business of massive parking spaces and tall buildings and elevators and etc. to get to your doctor’s office. You just drive by and see the sign that says “the doctor is in.” It’s very cute. Is it an old Victorian building.
You might say what does all this have to do with patient care and I will say it doesnt have much to do with patient care in general. But I am physician resistant, and I was attracted to this practice. It didn’t scare me to go there. Seems homey and inviting, which is super important because I didn’t go to the doctor for 10 - 12 years. I hated the last doctor I saw. The one before that I really liked but he abandoned me by moving to another state. I have had more female physicians than not and their sex makes no difference to me.
So to me the big mystery was what is really covered in that office visit? I had a skin rash that was bothering me and it took a couple of visits to figure out what was going on there. It turned out to be rosacea. And now that’s under control. And then of course there’s the standard group of old people medications that she orders and I take like blood pressure medicine and a statin drug. Yes I’m taking a statin drug, it doesn’t affect me in a negative way.
By the way, her fee is $800 a year. They bill monthly if you want to do it that way. That seems super cheap to me. I probably spend that much at the veterinary office.
My physician also dispenses drugs and they seem pretty cheap to me. But I don’t know haven’t really compared the price of what I can get from her versus sending it through insurance plan.
We already visit optometrists, dentist, and veterinary offices and pay out of pocket. It seems normal to me have a direct care physician where I pay for service.
iris lilies
2-7-21, 11:19am
But more on what my Direct Care Physician covers: she takes blood for lab tests, and sends blood off to be analyzed. Those lab tests are not free they are charged out through insurance.
She dispenses medication. That costs $ on top of her fee.
She had an ? Ultrasound machine? to check the cyst on my chest, But she still set me off to have a mammogram just to be safe.
She would do minor surgeries in her office like the aforementioned removing skin tags, and something else she offered to remove for me but I think it disappeared. It was part of the chest cyst problem.
She advertises the allergy panels which I think I’m going to have done in the next few months.
But more on what my Direct Care Physician covers: she takes blood for lab tests, and sends blood off to be analyzed. Those lab tests are not free they are charged out through insurance.
She dispenses medication.
She had an ? Ultrasound machine? to check the cyst on my chest, But she still set me off to have a mammogram just to be safe.
She would do minor surgeries in her office like the aforementioned removing skin tags, and something else she offered to remove for me but I think it disappeared. It was part of the chest cyst problem.
She advertises the allergy panels which I think I’m going to have done in the next few months.
Thank you, that is super helpful!
iris lilies
2-7-21, 12:05pm
Thank you, that is super helpful!
To be clear, the medication she dispensers is not free. I pay for that on top of her fee.
Like how much to do you pay for a medication--say an antibiotic or the statin?
iris lilies
2-7-21, 12:47pm
Like how much to do you pay for a medication--say an antibiotic or the statin?
I don’t know. I don’t have those costs close by anyway that I can easily access.
In recent months I’ve been buying them at the Walgreens pharmacy and running it through drug plan anyway.
I think I will sign up for the cheapest Part D and not the Walgreens because I don't want to be limited to walgreens.
I don't think you'd be limited to Walgreen's but it would be the preferred pharmacy.
I just looked up what DH has to pay for his simvastatin. Ironically, I now find out that he doesn't have CVS as his preferred pharmacy--he has a Walgreen's plan. We always get his prescriptions at CVS, so we might be losing money. I have to check into that.
The other weird thing about pharmacy benefits is that they are state-specific. We couldn't use the benefit we had in NJ when we moved to VT. We had to switch it (which is probably how I got messed up with subscribing to Walgreens and not CVS).
Anyway, with the Walgreen's plan in VT, the total estimated annual drug cost with the AARPUnitedHealthcare plan is 20.28. The annual Rx deductible is 445.00. I still have questions about that, but that's what it is.
It is all SO confusing.
Another point about this. Most of the prescription plan websites have calculators so you can input your medications and find out what the estimated annual costs are, so just go to a few and compare.
Teacher Terry
2-7-21, 1:16pm
I did what Catherine suggested before choosing a plan.
iris lilies
2-7-21, 1:30pm
I wasn’t taking any drugs when I signed up for a Medicare drug plan.
OK—Tybee asked for a drug costs so I found what I recently paid through Part D WellCare /to Walgreens and it’s very cheap: for three drugs that are blood pressure and statin drugs I pay $12 a month.
I do not Remember what I paid at the doctor’s office for drugs, but it wasn’t enough to alarm me. Any comparisons I have in Missouri will not carry over to where Tybee is, and this is all nickel and dime stuff anyway.
Wow, that is a good deal, IL.
In Maine the cost for the Walgreen plan is 46 dollars a month. The cheapest plan is 27 dollars a month. There is another one that is 80 dollars a month that has fewer copays.
I will go on Aarp and find out if Walgreens is just preferred--I thought you had to buy them at Walgreens.
So you are getting a deal in VT, Catherine.
Sorry, it was 36 a month for the Walgreens, and this is what it said:
May be a good fit if you're looking for low monthly plan premiums, and can fill your prescriptions at Walgreens.
$0 copay for Tier 1 prescription drugs.
$0 annual deductible on Tier 1 and Tier 2 drugs.
Save $14 or more on each prescription when you fill your prescription at one of more than 9,200 Walgreens and Duane Reade locations nationwide.3
Monthly Premiumfootnote1: $36.40Learn more about Extra HelpOpen in Popup
Annual DeductibleIf your plan has an annual deductible, you (or others on your behalf) will pay your drug costs up to the amount of this deductible before moving into the Initial Coverage Stage.: $0 for Tier 1, Tier 2
$445 for Tier 3, Tier 4, Tier 5
Prescription Drugs, Tier 1Drug Tier: Drugs on your formulary (drug list) are organized into different groups called tiers. Each tier has a different copay. For example, you may have little or no copay for a Tier 1 drug, but may have to pay a larger copay for a Tier 3 or 4 drug.: $0 copay
Enter drug information
That does sound like a good deal, Tybee, especially if your medications are generic.
iris lilies
2-7-21, 3:50pm
Wow, that is a good deal, IL.
In Maine the cost for the Walgreen plan is 46 dollars a month. The cheapest plan is 27 dollars a month. There is another one that is 80 dollars a month that has fewer copays.
I will go on Aarp and find out if Walgreens is just preferred--I thought you had to buy them at Walgreens.
So you are getting a deal in VT, Catherine.
I agree, I’m barely paying anything for drugs. Haven’t really focused until today on what all my prescription drugs cost. $12 dollars a month is super cheap. And, I know this is accurate because I just dug out the most recent EOB report from the drug insurance company for my last purchase where I got all three at the same place.
Teacher Terry
2-8-21, 1:53am
Here my Wellness RX plan is only 15/month. The medication cost is low also.
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