I too have MS, but am able to use the patient assistance program for the co-pay. I was furious several years back when prescription drugs no longer counted towards our deductible. I'm so angry.
"Essentially, the insurance company is double-dipping; they do not have to pay for the portion saved by the coupon, but they still collect the extra $1,000 from your out-of-pocket maximum."
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To be clear, insurance companies are not 'collecting' the extra $1000 from your out of pocket maximum. The coupon just doesn't count towards it. The copay accumulator program was designed to keep the cost down for the employers of our country - where over half of America gets their coverage.
I too have MS, but am able to use the patient assistance program for the co-pay. I was furious several years back when prescription drugs no longer counted towards our deductible. I'm so angry.
"Essentially, the insurance company is double-dipping; they do not have to pay for the portion saved by the coupon, but they still collect the extra $1,000 from your out-of-pocket maximum."
_____________________________________
To be clear, insurance companies are not 'collecting' the extra $1000 from your out of pocket maximum. The coupon just doesn't count towards it. The copay accumulator program was designed to keep the cost down for the employers of our country - where over half of America gets their coverage.
Your timing for this share today is great. Just two days ago, a federal judge declared it unlawful to deny application of copay assistance to a patients deductible and out of pocket maximum. The plaintiffs one in the civil case and the judge ordered HHS to restore the language to 2020 interpretation. Here is a link: https://www.morningstar.com/news/marketwatch/20231002268/court-strikes-down-federal-rule-that-sharply-increased-prescription-costs-for-many-patients