I just spent 4 days fighting with my insurance company! Apparently at the first of the year our insurance plan changed and they decided that they were not going to pay for one of my medications anymore, but no one told me this!! So I call and order a refill for my 3 month supply, that I have been getting through the same company for the past year, not thinking anything of it I just placed the order. Today I get a call from a lady at the insurance company. "Mrs. Evans I'm calling from Express Scripts to get authorization to ship your order out. The reason I need authorization from you is due to the amount that will be invoiced to you. The total will be $1,056.00."
WTF!! For the past year I paid $110.00 for this EXACT same 3 month supply! Seriously I have been on the phone ALL day long. My Dr. sent a letter to the insurance company last year stating that he needed me to be on the name brand medication instead of the generic. The insurance wanted me to have the generic so I had this same fight with them around this time last year when my husband's company switched to them. Finnally they get it right and have been giving me the correct perscription for the whole year of 2009.
However, apparently after the first of the year my insurance plan changed and decided that if my Dr. says I need the name brand instead of the generic I have to pay my co-pay AND the price difference between the name brand and generic.
Ummm Hi, isn't that the same as paying full price?!?!? What is the purpose of insurance if I am paying full price!?!?! They are telling me that now they need a letter showing "medical neccessity" from my Dr. Apparently this is different from the letter he sent last year saying I need to be on this medication. Now they want him to "prove" that I need to be on this medication! Seriously! I don't get it. I honestly don't get how insurance companies can do this. When your Dr. is saying you need a medication isn't the purpose of insurance for them to help you get that medication at a discounted rate??
I know insurance companies have lawyers that probably go over these kinds of policy changes, so I don't know if any of this is actually illegal or agianst my rights. But you can bet that come Monday morning I will be call PrePaid Legal just to double check!!
PrePaid Legal Services Inc
Friday, January 29, 2010
Tuesday, January 19, 2010
Long Time, No Talk
Wow, I knew it had been a while since I last blogged but I didn't really realize how long! I've been so busy with Christmas shopping and then doing all the family stuff. I have gotten way behind on my daily/weekly chores and activities. More so than usual! LOL
Aside from all the Christmas stuff I have also been working on all my home businesses. I bought a bunch of Avon to have in stock for Christmas. I don't usually keep an inventory so I wasn't sure how that was going to go. I actually did pretty well with it. It helped with Christmas money. I also recruited a PrePaid Legal Associate!! YAYYY! I get so excited when I sign up a membership and even more so an associate. The whole PrePaid Legal company is just amazing. A year ago I had no idea anything like this existed!! I believe everyone needs to know what PrePaid Legal is, if your not interested then your not interested but atleast you know that something like this is out there and that you have the option if you want it. As of today PPL has saved me well over $2000 from companies and people trying screw me over! They even got a speeding ticket dismissed for me! Its fantastic!! YAY! :)
Lastly, I have been working on my eBay store. I have tons of my personal things that I need to sell and get out of my house and I still have tons of other products to add. However, after doing a couple of searches on eBay I realized that alot of the products I'm selling right now are soo overly saturated and some people are selling them for less than what I can buy them at wholesale, which I don't really understand. That has to mean that they are getting them from a different wholesaler at a cheaper price or something. So my new mission is to figure how these people are getting this stuff cheaper than I am. Where are they buying this stuff?? There are also alot of companies that claim to connect you with hundreds of different drop shippers that sell thousands of different products for just a small monthly fee of $40 something a month. I'm going to look into these companies and find out if they really do what they claim to do. I understand that it takes money to make money but if I'm paying $40 a month I expect to be making a profit after the $40 and all the eBay and PayPal fees.
The company I'm working on investigating right now is Simplx. I spoke with a representative today and he gave me some pricing and information about the company. I then proceeded to do some google searches and found a blog that is supposedly written by the CEO of Simplx. The purpose of his blog is supposed to be to explain the way the company works, clarify things to potential clients, as well as get ideas and to propose ideas to current clients and customers receiving feedback in response to these proposed ideas. My investigations has only just begun so I'm not going to go into much detail until I have some more information. When I do have more information I plan on posting about everything I found out.
I'm even thinking about creating a whole separate blog dedicated these 'investigations'. My goal is to find out information about these companies that the average eBay seller needs to know before signing up for their service. I have been ripped off entirely to many times. Becoming a PrePaid Legal Associate has only made me realize that we (the consumer) need to have someone on our side and give us true information about these types of companies. You shouldn't have to be ripped off just to learn a lesson about how to create a successful eBay business. There are too many successful home businesses out there that get buried by all the scams. So I decided that I'm going to try to dig up the real things that can help you create a successful home business, because they do exist somewhere.
Aside from all the Christmas stuff I have also been working on all my home businesses. I bought a bunch of Avon to have in stock for Christmas. I don't usually keep an inventory so I wasn't sure how that was going to go. I actually did pretty well with it. It helped with Christmas money. I also recruited a PrePaid Legal Associate!! YAYYY! I get so excited when I sign up a membership and even more so an associate. The whole PrePaid Legal company is just amazing. A year ago I had no idea anything like this existed!! I believe everyone needs to know what PrePaid Legal is, if your not interested then your not interested but atleast you know that something like this is out there and that you have the option if you want it. As of today PPL has saved me well over $2000 from companies and people trying screw me over! They even got a speeding ticket dismissed for me! Its fantastic!! YAY! :)
Lastly, I have been working on my eBay store. I have tons of my personal things that I need to sell and get out of my house and I still have tons of other products to add. However, after doing a couple of searches on eBay I realized that alot of the products I'm selling right now are soo overly saturated and some people are selling them for less than what I can buy them at wholesale, which I don't really understand. That has to mean that they are getting them from a different wholesaler at a cheaper price or something. So my new mission is to figure how these people are getting this stuff cheaper than I am. Where are they buying this stuff?? There are also alot of companies that claim to connect you with hundreds of different drop shippers that sell thousands of different products for just a small monthly fee of $40 something a month. I'm going to look into these companies and find out if they really do what they claim to do. I understand that it takes money to make money but if I'm paying $40 a month I expect to be making a profit after the $40 and all the eBay and PayPal fees.
The company I'm working on investigating right now is Simplx. I spoke with a representative today and he gave me some pricing and information about the company. I then proceeded to do some google searches and found a blog that is supposedly written by the CEO of Simplx. The purpose of his blog is supposed to be to explain the way the company works, clarify things to potential clients, as well as get ideas and to propose ideas to current clients and customers receiving feedback in response to these proposed ideas. My investigations has only just begun so I'm not going to go into much detail until I have some more information. When I do have more information I plan on posting about everything I found out.
I'm even thinking about creating a whole separate blog dedicated these 'investigations'. My goal is to find out information about these companies that the average eBay seller needs to know before signing up for their service. I have been ripped off entirely to many times. Becoming a PrePaid Legal Associate has only made me realize that we (the consumer) need to have someone on our side and give us true information about these types of companies. You shouldn't have to be ripped off just to learn a lesson about how to create a successful eBay business. There are too many successful home businesses out there that get buried by all the scams. So I decided that I'm going to try to dig up the real things that can help you create a successful home business, because they do exist somewhere.
Subscribe to:
Posts (Atom)
