I was at CVS today asking about my 20 year old daughter's prescription. They said it was on hold because insurance only paid for that compound for people up to age 19 and declined coverage. They recommended we consult the physician for an alternative. Well, she met with the doc last week and this is what was called in by said doc..
OK so I ask about the cost to pay full out of pocket because we have saved up a nice HSA fund. It was $900 and I shortsightedly though since it was usually almost $700 before we reach our deductible out of pocket max just do it and get the doc to come up with a solution next 90 day appointment and scripts. It's the weekend and kid is pretty much out of the med.
About the time it's dawning on me that this $900 will NOT apply to our out of pocket max because it's not gong through insurance at all and I'm like
oh crap but oh well..
I'm there about to had the HSA card to the tech and the more experienced lady says "let's see if there's a discount card available we can apply here. They do some checking and say there is a discount of $139.. I'm like "COOL! THANK YOU!".
Gets better. When they rang it up it was not a $139 discount off $900 but it was $139 total AFTER the discount!
The kid needs to step up and deal with more of this stuff herself, but we're good until the next doc appointment and she can get that insurance problem figured out for the next refill or change the med to something that is covered.
The CVS folks definitely didn't have to do that for us.. Faith in human race restored for a day..