Posted by yxibow on May 6, 2006, at 21:49:40
In reply to Re: Yxibow Q » yxibow, posted by ed_uk on May 6, 2006, at 16:23:31
> Hi Yxi
>
> But don't some people have to pay more for higher doses of Seroquel? I don't really know how it works in the US.
>
> EdUndoubtedly. Every insurance company here, whether profit (most) or nonprofit (some) has set copays and their own structures.
HMOs are cheaper, but you have to go through hoops and triages to get a referral to a specialist who will actually do something for you.
PPOs are more expensive, have higher copays and deductibles, but you don't have to go through hoops particularly and you can go to any specialist you want, provide you and they are willing to pay their contracted rate.
All insurances have "lifetime" caps, some pathetically low. Insurances that dont have 1-6 million dollar lifetime caps are doing a gross disservice to their customers. On the rare case that you have been run over by one of our enormous SUVs here, you could be looking at months in the hospital if you survive, at up to $1500 a day plus nursing and ICU expenses, drugs, etc. These "last ditch" caps are necessary for those very reasons. Or if you got some rare form of cancer and needed chemotherapy at $2000 a pill plus another $50 a pill to keep you from throwing up, and possible surgery, etc. All last scenario events.
Not to mention the exclusion from policies of things that havent been litigated to not be excluded like HIV status, so your insurance card is basically a piece of burnt toast if you have disease x,y, or z that they wish to minimize their costs and maximize their profits.
-end highhorse-
tidings
-- Jay
poster:yxibow
thread:639400
URL: http://www.dr-bob.org/babble/20060504/msgs/640785.html