Insurance freaked me out this week
March 20, 2025
Went on Medicare in December. It's been scary -- I have had almost the same insurance for the past 10 years.
I did all kinds of calculations to see how it was going to change things financially, and was a bit disappointed as the out of pocket, especially drugs changed.
I figured that the out of pocket was going to be hard to reach. I usually reach it between March and June each year and then don't have to pay anything else.
I was getting ready to see my endocrinologist on Wednesday and figure out what drug changes I wanted to make. I saw every drug was only $9.95. Nothing on the mobile app showed what was going on and so I called. The rep said I had almost met my $2000 out of pocket. Now I was in shock to think I had spent that much on medications. I was sure I hadn't.
I ended up doing a deep dive and found this YouTube video: https://www.youtube.com/watch?v=IjJNTbuFu0o
So while I didn't spend $2000, it got calculated as $2000. I finally found the breakdown on the Express Scripts website especially the EOBs. And it still doesn't make sense, but I had a prescription that normally is $25.00 processed at the $9.95 and a second prescription was processed at $0.00
Very cool