Quote:
Originally Posted by notthisagain
Up until January of this year, I had a coinsurance for my doctor and my therapist, and my prescriptions hven't cost as much as they do now. My coinsurance for my doctor was a little over $20 per visit and the one for my therapist was $18. Now they apply to a high deductible, so that I have no more co-insurance until I reach something like $2500. My doctor visits now are $83.00, my therapist is $89, and my psych visits are $75. My therapist offered to work with me outside of my insurance and charge me $70 per visit, which is still a lot more than what I was paying, but still cheaper than what I would pay had we gone through my insurance. I have also noticed the costs of my prescriptions going up dramatically.
Anyone else having a similar experience?
|
This is normal. Most insurances start over with a new deductible at the beginning of the year. Once you hit your deductible, you should once again have lower co-pays etc. It may be costing you less now, but it may end up costing you more in the long run to work with your therapist outside of your insurance. When you do that, it doesn't apply to your deductible and therefore, your co-pay will take longer to drop back to the previous 18$. Play around with the numbers, but I think it would be cheaper in the long run to pay the higher number now. Your prescriptions also likely went up because you have a deductible for them as well. They also should go down once you hit it. It should say on your insurance card what your deductible is. This happens to me every year and the first couple months until I fit until I hit my deductible suck. A lot. Sorry our insurance world sucks. I don't really have any other good advice except to look for patient assistance programs, or try to change your meds to similar, cheaper generics. Good luck.