July 31, 2008
 
Healthcare

I just got several drug refills at Kaiser (but not all of this months) and spent a total of $140.58. My receipt says "Your Drug Benefit Saved You: $3.30"

Why do we pay so much for health care in this country when Kaiser charges practically full price for prescriptions? I suppose I'm saving on the times I actually see a doctor, but most of my recent experiences with Kaiser have been over-the-phone diagnoses for sinus infections. "Yes, my snot is neon. No, I can't breathe. No, I'm not pregnant." "OK, pick up your antibiotics in an hour at Kaiser." That's easy and cheap right? What the hell am I paying for?

My inhaler wasn't covered at all. Retail: $43.50, Paid: $43.50. And birth control? Retail: $63.30, Paid $60. The other $37 was for a prescription that recently went OTC and actually costs me twice as much to buy now.

I'm not saying I necessarily want public healthcare like Canada... I hear it takes forever to even get a doctor's appointment. But really? I saved $3.30 on $140?

While my employer pays some of my health care fees, I'm pretty sure they deduct some from my paycheck (I guess I should actually look at my paystubs.)
I contribute to FSA, but my employer doesn't match. So it's still my money, just before taxes, and I have to wait weeks for it to be reimbursed, AND at this rate, my fund isn't going to last to the end of the year.

A Personal post by kim at 07:39 PM | Comments (2)
 
Comments

Time to see if you can get better health insurance.

Posted by: Dave at August 3, 2008 03:17 PM

We have two options at TiVo, Great West (a PPO) and Kaiser (an HMO). I got burned by Blue Shield at my previous employer, who refused to cover a number of doctors visits, AND i had an individual copay on every itemized thing from a hospital visit... a copay on the pillow I used while in the ER!! That's why I went to Kaiser, because pretty much anything was a single small copay. It seems not so much with my current employers insurance.

I don't really like any of my options, maybe I'm just not playing the system right?

Posted by: Kimberly at August 5, 2008 11:55 PM