Health insurance is one of the most important things that one can have. After all, staying alive and maintaining good health does cost a lot. The problem is, most people don't have a clue what their insurance will actually pay for, which leads to some rather unpleasant confrontations with the fact that insurance is limited, and no company will cover everything.
People then begin to direct their insurance related questions at pharmacy staff, as though we have a clue.
"Why do I have to pay this amount? I have insurance."
"Because it isn't paid for by your insurance."
"But why?"
"Because they don't want to."
The problem is, people seem to believe that having a magic prescription will make their insurance pay their part. Sadly, even if the doctor signed the bottom, that will not convince the insurance to pay for it. The doctor can write you a prescription for toilet paper without any problems, but insurance still won't pay for it.
"Why won't my insurance pay for this item?"
"Because your insurance doesn't care if you got your doctor to write you a prescription for shampoo."
There are some actual prescription medications that insurances will choose not to cover. In the time that I have worked in a pharmacy, I have seen Viagra paid in part by an insurance maybe twice. This is not because only two people are taking the medication, but rather because it is expensive and not quite crucial to survival.
"Why won't my insurance pay for Viagra? I have a prescription!"
"Because your insurance doesn't care if you get laid."
Plain and simple.
People then begin to direct their insurance related questions at pharmacy staff, as though we have a clue.
"Why do I have to pay this amount? I have insurance."
"Because it isn't paid for by your insurance."
"But why?"
"Because they don't want to."
The problem is, people seem to believe that having a magic prescription will make their insurance pay their part. Sadly, even if the doctor signed the bottom, that will not convince the insurance to pay for it. The doctor can write you a prescription for toilet paper without any problems, but insurance still won't pay for it.
"Why won't my insurance pay for this item?"
"Because your insurance doesn't care if you got your doctor to write you a prescription for shampoo."
There are some actual prescription medications that insurances will choose not to cover. In the time that I have worked in a pharmacy, I have seen Viagra paid in part by an insurance maybe twice. This is not because only two people are taking the medication, but rather because it is expensive and not quite crucial to survival.
"Why won't my insurance pay for Viagra? I have a prescription!"
"Because your insurance doesn't care if you get laid."
Plain and simple.
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