sylwis Date Rated: 5/20/2015 2:00:57 AM
Envisions plan summary of benefits says their deductible is $320. The average person expects benefits to be paid on the first dollar that exceeds $320. That's not the way it works and Envision makes no mention of it in their summary. For example, if you have satisfied all but $20 of your deductible and your next prescription cost $300, Envision will not pay any of the $280 that exceeds the deductible. They apply $20 to the deductible and you have to pay the entire $300 for that one prescription. The next prescription after that will be paid at the plan benefit after your deductible is met. The net impact to you is that your "deductible" was actually $580 ... because Envision paid Zero until you paid out $580.
Envision also doesn't permit 90 day prescriptions for the majority of their formulary. That keeps you running to the pharmacy every 30 days no matter what you're prescribed. That's a pain for the average person that has been on the same medications for years.