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Nuance insurance question - nn

Posted: Jan 08, 2014

Are medications and doctor visits covered or are they part of what you have to pay until you hit deductible?

To the best of my understanding - sm

[ In Reply To ..]
You had the choice of 2 different kinds of insurance, one that had immediate drug coverage without first having to hit a deductible or one that did require fulfilling a deductible before Rx's were covered. In any event, all dr visits, lab tests, procedures are paid for out of pocket until you hit your deductible.

actually... - beulah

[ In Reply To ..]
I agree with the previous poster about the doctor visits. But regarding the pharmacy, we have had the plan (beginning 01/2013) where supposedly the pharmacy discount doesn't kick in until your deductible is met. However, right at the outset we were VERY happy to discover our pharmacy charging us the same low prices we used to pay when our meds were covered under insurance! So that tells me that somehow either the plan was presented to us incorrectly by HR, or else there's somehow been a mistake (and there's no way I'm going to pursue that, LOL). We use lots of meds but get them from Walmart, but still, that shouldn't be the reason they are low priced (except obviously the generics on Walmart's $4 meds list). Besides the above, the insurance does pay 100% for certain things like a screening colonoscopy -- which I just had, and yep, they did pay for it 100%! They are also supposed to pay for a yearly annual exam by your PCP, along with standard annual exam labs, but unfortunately when my husband went to see his PCP for that, something got messed up with the coding at our clinic, so Blue Cross didn't pay for that. We should have fought to get the clinic to re-code it, but honestly just didn't have the energy.

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