Tag Archive: insurance woes


Liar, liar, PBM on fire

Ok, Cigna, you really need to get your act together. The other day, I had a patient (one of our regulars) come in with an Augmentin Rx for her son. Her employer had just switched their carrier to Cigna, but she hadn’t received the new card yet.

So, I think, no big deal. Call Cigna, give them name, DOB, address if neccesary. Wrong!

Once I finally got through to somebody, I was asked for my name, pharmacy name, NPI#, Rx#, and the patient’s name. (after I had given all of this to Cigna’s lovely IVR system.)

I explained the situation to the representative. She told me that I needed the primary cardholder’s social security number due to the “new HIPAA law.” (What, you mean the one that was passed in 1996 and its “final rule on Security standards” went into effect in 2003?)

I calmly explained to her that HIPAA doesn’t apply to me because I am a health provider using the information for provision of health services. As long as I can verify basic information (such as name, DOB, address, and phone number), I am entitled to the account number. Her response: “Sorry, I’m just following the law.” My response: “Well, then every other insurance company is violating it.” Click.

I called back, to get a second opinion, as it were. This time I was told the same thing, except that it was due to Cigna policy, not HIPAA. So, I called the mom back and asked her for the account holder’s SSN. She was understandably reticent to give it to me, until, of course, I told her how much it would be without insurance. I had her write it on the back of the Rx, but she made me promise that the pharmacist would cover it, so other nobody else could see it when we were done.

So, I called back (again), this time with the SSN in hand, and got the ID#. I asked this representative, “By the way, is it Cigna policy that I have to have the social security number to get an ID number?” She told me no, so I asked, “Well, then why did not one, but two other reps tell me that it was?”

“I apologize for that. It’s easier to look it up by SSN than by using name and dob, and some of the other representatives are just lazy.” They must have felt my jaw dropping to the ground in China when I her that. I told her that I wanted a complaint filed that Cigna needs to get their reps off their butts and stop lying to pharmacies.

This is particularly annoying when Medco (don’t get me started on Medco) will give you the ID without even having to speak to a live person (which is no fun with Medco).

Happy (Pharmacy) New Year

So, did you work today?

If the answer is yes, and you work in a pharmacy, you know what Pharmacy New Year is. For those of you who don’t know, let me explain:

January 2nd is the first day doctor’s offices are open again, many of them since before Christmas, or at least since last Friday. That means, a ton of faxes (though for some reason I got even more on New Years’ Eve than today), and a lot of “patients” realizing they are “sick” because they don’t want to go back to school/work.

Plus, it’s a new insurance plan year, so lots of people have new cards or deductibles (that they never seem to know about until their script turns out to cost $300) or formulary changes.

On top of that, Zyrtec just went generic, and is going OTC later this month, so all of the insurance companies’ computers are confused.

So please don’t complain that your prescription isn’t ready when you didn’t tell me you had a new insurance card, didn’t respond to my repeated pages to return to the pharmacy, and then hand me a card written in igPay atinLay that doesn’t have the essential information (like the bin number or, god forbid, the ID number.)

I offered to switch three people to generic Zyrtec today. All three of them (all of them Argus/Carefirst), were rejected for “non-match NDC number.” Well, ok, it’s new, not in their system yet. Let’s try the brand name Zyrtec: Reject “NDC not covered; OTC available.”

Umm, you mean it’s January 27th already? Because as far as I’ve been told, that’s when it’s going OTC. Thankfully, all three patients were willing to wait until tomorrow, when Argus says they’ll have it straightened out.

Today was also the day for people to call in all their refills (as in 8 or 9) at the same time. Some because they were waiting to be out of the dreaded Medicare donut hole, some because they’re trying to get everything on the same schedule.

We had one patient who used to be on Avalide, and was warned ahead of time (a shock, I know) that is was no longer going to be covered. He was prepared last month with a script for Benicar HCT, another ARB+diuretic that was on the list the insurance had mailed him. When he called in the Avalide, it was rejected (as expected; hey that rhymes). So, I tried the Benicar HCT and it was rejected, too. It turns out the insurance had a change of heart, and now prefers Diovan HCT. I faxed the MD for a change, and thankfully got it fairly quickly.

An 18-year-old girl (I can’t call her a woman) brought in 3 scripts: Doryx 100mg, Tazorac cream, and Duac. We filled the scripts; the two creams came to about $120, and the Doryx was about $300; she had a $1500 deductible, then everything is $7. Of course, she didn’t understand that. “Last month at the other pharmacy they were $7! Why are you charging me almost $600!?” Because, girl, you have a dumb-as-dung insurance plan. So, she put me on her cell phone with her mom, who argued with me, but ultimately seemed to understand that I couldn’t do anything about it. I handed the girl back the phone (did I forget to mention I had a cold?) and she demanded the scripts back.

So, Happy Pharmacy New Year. Are you ready for a vacation yet?

Transfer Happy

Ok, so, yeah, I

The cost of medicine

Sarafem is the biggest rip-off I’ve ever seen. We had a patient bring in a script for Sarafem 20mg, 1 capsule daily, for a 3 month supply. Of course, we didn’t have it, so I told here we would have to order it.

What I knew about Sarafem was limited; I knew it was for postpartum depression, and that it was essentially an antidepressant. What I didn’t know was that it’s the exact same thing as Prozac (fluoxetine), which is available as a generic for literally 1/10 the copay (for this patient anyway.) The patient’s copay for 3 months of Sarafem is $120 whereas her copay on 3 months of fluoxetine is $12.

On the other side of things, we got a promotional fax (which I usually throw away) for Neupro, the new Parkinson’s patch. We have one patient (Mrs. Nicelady, if you’ve been reading this blog for a while) who can only afford her Parkinson’s meds during the catastrophic coverage of her medicare plan, which is usually just the last 2 months or so of the year. So, I priced Neupro for her, and even during the coverage gap, it’s under $100 a month for the lowest strength, which is much less than her normal $600 a month. Plus, since it’s new, her doctor can get a ton of samples to give her when she can’t afford it.

It’s nice to see a new drug that doesn’t cost an arm and a leg (relatively speaking, of course.)

Caremark making me crazy

I usually love processing claims for Caremark. (About 20-25% of our claims are processed through them, thanks to the number of Federal government employees and State Medicaid beneficiaries we serve.)

They have easy to remember override codes for Vacation and Dosage Increase rejections, and if that doesn’t resolve the issue, they have a very easy to use voice activated IVR system.

I don’t love them so much when their computers go down. I was working a rare Saturday today, but nearly 20% of our prescriptions could not be processed because Caremark was down. About 12:30 I called and was told that they expected their systems to be up in about 2 hours.

At 2:30, I tried again and still no go. At 4:00, I called again and was told that they didn’t expect the systems to come back up until at least tomorrow (my emphasis on “at least”). I can only hope they come up by Monday, or we’re going to be in trouble.

I already hate UHC because they manage my insurance (which is why my Advair script is $140 a month, and why I don’t take it anymore). Now, I have a new reason to hate them:

Last week on Thursday, we had a patient, (call her Ms. Goodman) call in her prescription for zonisamide #150 capsules. Of course, we didn’t have enough, so I asked her if she’d be willing to wait until Friday to pick it up. She was fine with it, so I processed the script and placed it on order.

When it came in, though, our supplier had switched us to a different manufacturer, so I had to back out the script, and rebill it for the corrected NDC.

A week rolls by, and we get a call from a frantic Ms. Goodman because she got a letter from UHC stating that we had billed them twice for the same medication, and if she actually got two fills, she owed them $139.

So, I called Medco, the company that processes prescriptions for UHC, where the nice Indian lady, after saying “Thank you for patiently waiting,” confirmed that the first claim was reversed.

So, I called UHC itself to see what was going on, and all they could tell me was that I had to call Medco.

So I hung up and called the patient to tell her what was going on. She told me she had called UHC and they told her that their system showed two claims.

Well, I called UHC again, and finally got someone to confirm that, but they told me I had to call Medco to have them retransmit the reversal. At this point I was ready to pull my hair out.

So, I called Medco again, and all I could get them to do was “document” the situation in their system, because “UHC should be able to see it in their system if I can see it in mine.” But he told me he would see if he could get someone to fix it.

I was at least able to get the rep’s name (Richard, if I were to actually believe him) and ID number, which I then gave to Ms. Goodman. She thanked me for everything I did, but I’m afraid it wasn’t enough.

Financial Distress

One of the hardest parts about working in a pharmacy is watching patients having to choose between medicine and a meal on the table every night. Yes, there are financial assistance programs like the PPA (one of my favorites, by the way) or manufacturer programs, but in many cases patient’s don’t qualify for them because they earn just a little too much money.

Never mind that insurance premiums and copays keep going up, and insurance companies keep adding or expanding deductibles so patients have to pay out of pocket until the deductible is reached.

I have one patient that gets Altace (ramipril), which is an ACE Inhibitor. She has prescription coverage, but her insurance won’t cover it because there are much cheaper generics in the same class. We called the doctor to get the drug changed, citing cost reduction, and the doctor was practically incensed that we would even suggest it. “Have you tried prescribing a generic yet?” we asked. (Of course not, those studies that the Altace people gave her showed that it works much better.)

So, instead of paying $4 a month for generic lisinopril (or slightly more for fosinopril or benazapril) She has to pay almost $60. (when she can afford it.)

There’s also Merujo, a fellow blogger I met at the January dc blogger meetup. She has a problem in her eye where the blood vessels are growing exponentially, causing her loss of vision. She is being treated with injections of Avastin, a drug used to treat colon cancer. But, since the drug isn’t approved for this use, her insurance won’t cover it. So Merujo is faced with a choice: Go broke or go blind…

Sometimes, I wish I could just take out my credit card and pay for a patient’s meds myself, but of course if I did that, I’d go broke too. We really need to do something about the medical care in our country. I just don’t know what…

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