I hate posting my problems to Facebook and I also hate that it has come to this, but I don’t know what else to do and our endocrinologist has tried everything he possibly could.
Reed was diagnosed with Type 1 Diabetes on November 9, 2017. While in the hospital with Diabetic Ketoacidosis, he also had an allergic reaction to Novolog and had to have an epi pen with him all night. Because of that, our endocrinologist changed his prescription to Humalog, which has worked very well. He stated that the higher Reed’s insulin needs become, the worse the allergic reaction would become. Our Insurance doesn’t cover Humalog, therefore our endo and his diabetic educators have been battling our insurance nonstop since trying to help us get coverage. Almost a week ago we got this letter in the mail, telling us no and also telling us there is no chance to appeal. Our endo doesn’t know what else to do and has never experienced insurance rejecting to this point, so he said to go put our story out there as much as possible. That’s why I’m posting now.
I also want to point out that Humalog, the insulin we need, is $2.00 cheaper than Novolog. Insulin is incredibly expensive. Our not even 2 year old son has to have Humalog to survive. This is more severe than an “unfortunate medical circumstance” as BCBS stated. We will get Reed’s insulin no matter what and can, but we pay insurance for this reason, therefore we believe that in this specific case of an allergic reaction, they should cover it just as they do the more expensive medication.
why would a insurance company provide reimbursement for a single manufacturer’s medication and no EXCEPTIONS to get another brand… even if the pt is ALLERGIC to the preferred medication ?
BECAUSE… the insurance company gets the BIGGEST KICKBACK from that one company if the insurance company promised EXCLUSIVE use of the particular’s company’s product.
The pharma gets to sell more product… the insurance company gets to make more profits.. and the pt is left to deal with whatever QOL they get and/or ends up paying for the most appropriate product out of pocket. Since Insulin can be several HUNDRED DOLLARS a bottle.. the annual cost to the pt can be substantial.
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