Brad_F Date Rated: 3/9/2016 8:31:21 PM
My annual prescription costs are generally $30,000 or more. That has been the case for the last 15 years. Medicare part D saved me from bankruptcy. I move into the doughnut hole in February and onto catastrophic coverage in April. Cigna covers all my meds (12 different prescriptions) where other plans available in my county do not. Yes, the premium went up and they added a deductible in 2016. But compared to other available plans, Cigna is a relative bargain. I am fortunate to have a secondary insurance plan, funded by the state and federal government, that covers the cost of copay and doughnut hole charges for most of the meds I take. But not all. I need to split my meds between two different pharmacies to take advantage of 'preferred pharmacy' pricing on the drugs which are not covered by the secondary. It is a hassle but it is manageable.
My only real trouble spot is trying to get refills in a timely manner. Cigna has been denying refill requests when placed before 27 days. I challenge anyone to get a pharmacy to address doctor approval, Cigna approval and a secondary plan approval all within three days. It is impossible. That process will take between 7-14 days for drugs that require prior authorization or that are DEA controlled. Cigna's position, forces me to go without my medication. That should be a crime.