RE: My Medical insurance costs Yikes!

[Guest guest]

Dear Doug:

At least when I was working I had insurance coverage paid for by my employer.

My husband had government insurance. For a while I was covered on his policy

and by mine, until the premiums got too high.

Now we are both on retirement: his is USPostal Service retirement and every

time he gets a COLA increase, his supplemental insurance premium for both of us

goes up, sometimes more than the increase.

My teacher's retirement (mine is not a lot here because of the number of years

I taught at lower salaries) will remain the same forever unless the Texas

Legislature some year decides to give retired teachers a raise in their

retirement pensions.

We are both on Social Security as well (his is very small), but everytime we

get a small increase in SS it is eaten up by the increase in Medicare premiums.

So we can easily identify with the raise in salary and the raise in insurance

premiums!

HOWEVER: we do NOT complain. We have great coverage--paid nothing but a

little bit to the surgeon for my husband's double by-pass heart surgery three

years ago, and I pay NOTHING for my xolair shots! The costliest item is our

co-pay for all of our meds and I still have two parttime jobs that help pay for

my meds.

Things do get a little scary at times with our rather fixed incomes but God

has always provided for our needs through what we get.

I do feel for those of you who are having insurance difficulty or no insurance

or insufficient insurance and add my prayers to Doug's for each of you.

Here's to easy breathing--thanks to xolair.

Adah

uca79iii <bme1979@...> wrote:

I have been blessed by an insurance company that has given me no

hassle about filling my Xolair prescriptions or paying the doctors

office for the injections. It is Highmark BCBS but the Rx portion of

my policy is covered by MedcoRx.

Oh, I DO pay dearly for this great covrage. This January, my monthly

premium will shoot up from 915.00 a month for my wife and I to

$1,088.00. That is $13,056 of my yearly salary, over 1/4 of what I

make. Add that to my out of pocket expenses and co payments and it is

almost half.

Praise the Lord he has provided my wife a job to keep our mortgage and

grocery bills paid.

Every time I get a raise, it is always eaten up plus more by higher

insurance and medical costs.

On the bright side........ at least I have coverage.

I guess I shouldn't complain. At least I HAVE coverage. I am sure

there are a lot of our group members who pay a lot more than I do and

then there are those of you who are having hassles with getting your

insurance to pay or getting ANY coverage.

My friends, you are in my prayers daily!

Doug

Group Founder

Ordained Minister

---------------------------------

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[Guest guest]

Lots of luck with Medco - those clowns never could get my drug claims straight -

I finally gave up.

Ohldepharte

It's the only plan I have and can't change. Most of the time, they do pretty

well but sometimes, they can be a pain.

Doug

[Guest guest]

Doug,

I find it disgusting that he premiums are so high. I have no clue what will

happen. I just do not trust the government not to take payoffs.Ok I could go on

and on.

Karin

----- Original Message -----

From: uca79iii

Sent: Saturday, September 29, 2007 10:14 AM

Subject: [ ] My Medical insurance costs Yikes!

I have been blessed by an insurance company that has given me no

hassle about filling my Xolair prescriptions or paying the doctors

office for the injections. It is Highmark BCBS but the Rx portion of

my policy is covered by MedcoRx.

Oh, I DO pay dearly for this great covrage. This January, my monthly

premium will shoot up from 915.00 a month for my wife and I to

$1,088.00. That is $13,056 of my yearly salary, over 1/4 of what I

make. Add that to my out of pocket expenses and co payments and it is

almost half.

Praise the Lord he has provided my wife a job to keep our mortgage and

grocery bills paid.

Every time I get a raise, it is always eaten up plus more by higher

insurance and medical costs.

On the bright side........ at least I have coverage.

I guess I shouldn't complain. At least I HAVE coverage. I am sure

there are a lot of our group members who pay a lot more than I do and

then there are those of you who are having hassles with getting your

insurance to pay or getting ANY coverage.

My friends, you are in my prayers daily!

Doug

Group Founder

Ordained Minister

[Guest guest]

I have Medco also. I just processed my first 3-month order. What should I

be looking out for? Should I save every piece of paperwork?

Kristy

From: [mailto: ] On

Behalf Of Terry

Sent: Sunday, September 30, 2007 8:50 PM

Subject: Re: [ ] My Medical insurance costs Yikes!

Lots of luck with Medco - those clowns never could get my drug claims

straight - I finally gave up.

Ohldepharte

It's the only plan I have and can't change. Most of the time, they do pretty

well but sometimes, they can be a pain.

Doug

[Guest guest]

>

> I have Medco also. I just processed my first 3-month order. What

should I

> be looking out for? Should I save every piece of paperwork?

>

> Kristy

Kristy,

It is always a good idea to save receipts. Also, on their site, they

have a page that has everything you have purchased including what you

bought at the local drugstore. I print this out every year for tax

purposes.

There are different policy levels with Medco. Some people pay more,

some less and some pay nothing. My policy has 30 day supply prices as

follows:

Generic 30.00

Brand name on their list 75.00

Brand name NOT on their list 115.00 - 120.00

Xolair is NOT on their list.

Check your policy booklet or call Medco's toll free number to find out

exactly how much your individual policy pays.

Medco sends my xolair to my doctor's office and the rest of my

medications to my home address. Once, I was waiting on 2 important

prescriptions and they were sent to the doctor's office by mistake.

Make sure you give them the right addresses for shipment.

Also, I highly suggest you sign up for their online service.

http://www.medcohealth.com

It has been VERY convenient for me. Medco has been a good service for

me, but I do have to watch for mistakes they make from time to time

Doug

Group founder

[Guest guest]

Doug,

Thank you for your information. I will definitely stay on my toes. My plan

isn't as good as yours, but I do get my Xolair for $175 for a three month

supply. . I signed up on the website like you suggested. My current order

is there. I am excited and nervous. I will receive my first dose on

Thursday.

Thanks again,

Kristy

From: [mailto: ] On

Behalf Of uca79iii

Sent: Monday, October 01, 2007 12:09 PM

Subject: [ ] Re: My Medical insurance costs Yikes!

>

> I have Medco also. I just processed my first 3-month order. What

should I

> be looking out for? Should I save every piece of paperwork?

>

> Kristy

Kristy,

It is always a good idea to save receipts. Also, on their site, they

have a page that has everything you have purchased including what you

bought at the local drugstore. I print this out every year for tax

purposes.

There are different policy levels with Medco. Some people pay more,

some less and some pay nothing. My policy has 30 day supply prices as

follows:

Generic 30.00

Brand name on their list 75.00

Brand name NOT on their list 115.00 - 120.00

Xolair is NOT on their list.

Check your policy booklet or call Medco's toll free number to find out

exactly how much your individual policy pays.

Medco sends my xolair to my doctor's office and the rest of my

medications to my home address. Once, I was waiting on 2 important

prescriptions and they were sent to the doctor's office by mistake.

Make sure you give them the right addresses for shipment.

Also, I highly suggest you sign up for their online service.

http://www.medcohealth.com

It has been VERY convenient for me. Medco has been a good service for

me, but I do have to watch for mistakes they make from time to time

Doug

Group founder