So my claim to have my insulin covered at the preferred copay was denied yesterday. Five long months of calling, getting told incorrect information, getting one denial without them even so much as calling my Endo, and now finally just a flat out denial. Nope sorry they wont cover the only fast acting insulin on their drug list that I am not allergic to so I have to pay the highest tier copay for my insulin. Insulin that I have to take every day to survive. I can't just skip it.
Thank you Land of Lincoln Health insurance.
I am now going to appeal to the Illinois State Health board or whatever it is officially called. My insurance broker told me they have to act within 30 days so that will be nice vs the FIVE months it has taken me to get this far. Jeesh.
What happened to all the "protections" that the Obamacare law was supposed to deliver? Someone in Administration crows about them on a weekly basis. What is the reason given by Land of Lincoln Health Insurance for denying your right to the only medication that would work for you? This is ridiculous!
ReplyDeleteHello anonymous! =D My insulin is covered, just covered at the non-preferred copay tier level. I was trying to get them to cover it at the preferred level since I became allergic to the brand they have as preferred (Novolog). I did try switching because that was their preferred brand but after three months of use I became allergic to it. My throat didn't swell up, I got hives all over my body, but I could go into a full blown allergic reaction if I tried it again. Its just doesnt seem fair they wont cover it for a lower copay because I am allergic to the one on the lowest copay and now its just the principle that they drug this out for 5 months, so I am just angry and want to appeal as far as I can.
DeleteI'm so sorry they're putting you through this. It's really not right. Go, fight, win!
ReplyDeleteThanks Rachel. I will try to win but at this point Im pretty much prepared for another denial.
DeleteHave you called the drug company? Some of them have programs to help with costs based on income. Diabetes Association? Call you member of Congress. Write to LOLH on their Facebook page - they all seem to respond better on social media than through their customer service.
ReplyDeleteAnnie all my claims were denied and the state board backed up their decision, so I have no where left to appeal. Eli Lilllys patience assistance program is only available to people without any health insurance.
DeleteWhy is it that those who have real hard to deal with conditions are always getting horrible problems with their insurance. It seems that insurance companies are against patients many times. If someone has to take a drug every day to survive don't you think an insurance company would be willing to help make that more affordable, not less?
ReplyDeleteSteven Keltsch @ Allied Insurance Managers, Inc.