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» LymeNet Flash » Questions and Discussion » General Support » Best insurance?

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Author Topic: Best insurance?
Jessiep
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I have an opportunity to switch insurance. I am probably going to try Iv rocephin. What company is best? I'd live to get thr iv covered of possible.
Aetna? Bcbs? I can choose between these two. Thx!!!

Posts: 342 | From Philadelphia | Registered: Dec 2011  |  IP: Logged | Report this post to a Moderator
Lymetoo
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I think it really depends upon your company's plan. I doubt any insurance company will pay for more than one month's worth.

Moving to General Support

--------------------
--Lymetutu--
Opinions, not medical advice!

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Judie
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Yes, depends on your company's plan. I just went through this at the beginning of this year.

The plan I picked covered all my meds that I was on.

Then my doc wanted me to take bicillin and rocephin this year (generic rocephin wasn't very expensive but bicillin is like $800-$1000 per month). Neither were covered. This was a company decision, so it really depends on your work and what they decided with the insurance contract.

They do reimburse for out-of-network doctor's visits though, so that helps.

Good luck. It's not an easy choice.

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jennyfromtheblock
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I am glad you asked this. I have am switching in Jan.

My insurance won't allow me the hyzentra for my cvid. I know of another company that is more likely to approve it, even on appeal.

The tricky part is not knowing if that company will cover any of the lyme treatment esp if I move to iv, which I pray I will.

I have a lot of researching to do. I am glad you asked this

--------------------
celiac dx 2012
pancreatic neuroendocrine tumor dx 2012
lyme dx 2/14
poss igm wb, neg igg wb - Igenex/CDC

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Jessiep
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Think you can just call the companies and ask? Or will that cause alarms to go off? I don't want to tip them off!
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jennyfromtheblock
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oh I wouldn't call them. Or maybe just call anonymously.

I would ask at the dr's office. That's what I have been doing. They have a pretty good idea of who they have to fight with and not.

I asked the nurse to look into it for me, and she called the drug company. They told her the two companies they have the least amount of issues with.

--------------------
celiac dx 2012
pancreatic neuroendocrine tumor dx 2012
lyme dx 2/14
poss igm wb, neg igg wb - Igenex/CDC

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randibear
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another thing to consider. my llmd did not take any insurance. I had to file all claims. in addition he was out of network and they wouldnt pay or honor his prescriptions. luckily I had backup insurance.

so check and see if your dr is on your plan.

--------------------
do not look back when the only course is forward

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poppy
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Most lyme docs do not take insurance, so the key here is that since they won't be on the plan more than likely (very few exceptions), then having a PPO that will pay at least something for out of network visits is better than an HMO which probably won't pay anything. But doctors visits will not be the most costly part of your treatment if you are on IV or something else expensive.
Posts: 2888 | From USA | Registered: Mar 2004  |  IP: Logged | Report this post to a Moderator
   

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