guardianofscrewingup: conceptadecency:Just a reminder that Frederick Banting, discoverer of the proc
guardianofscrewingup:conceptadecency:Just a reminder that Frederick Banting, discoverer of the process to synthesise insulin, sold the patent for $1 because it was so important to him that it be widely available and easily mass produced. Yes, you should be angry. Hey just an FYI to anyone that needs it, from someone who has worked at an insurance company, but many insurances allow for 1 or 2 early refills based on lost or stolen meds, but you have to contact your insurance to have them put the authorization in so the pharmacy can try charging the insurance again. Sometimes they do it for “Spilled” too and count that differently from lost but spilled isn’t always accepted and “lost” is a safer bet. “Stolen” is sometimes only useful if the meds actually were because they often ask for a copy of a police report, but “lost” sometimes just needs you saying so. If you’re not sure of the right answer to give, try to see what their lost/stolen policy is. A lot of times they won’t tell you bc of people genuinely abusing the system for narcotics to sell, but sometimes an agent won’t think it through and will say the policy so you know in the future. The problem is that the actual insurance companies are usually really strict on what counts as “lost.” If you just put it in the wrong place so it spoiled, or if you took it at the wrong frequency by accident and ran out too soon, but didn’t lose it, often times the agent won’t give the override. Sometimes the agent will even want to help you but sometimes they’re explicitly told not to under those circumstances and can get slammed by their QA and lose their job. It has to be specifically lost. No idea where it went, probably fell out of your bag, you looked everywhere, can’t find it, etc. When I was working at the pharmacy services at an insurance company, if they mentioned not having the med and needing more and I caught it before they explained the cause, I’d specifically ask leading questions to guide people to a “lost” request, and explained that we only did early refills under those circumstances, so they gave the “right” answer. Technically they couldn’t ding me for being overly helpful the way they could if I went against policy. (The QA sometimes didn’t want to screw over patients either lol). If you already used the “lost” benefit, and “spilled” isn’t covered, you can also try to ask for a “Vacation” refill. (This is only a good idea if you have no planned medical stuff that will be charged to your insurance in that time period.) Search around for a remote location in the country that doesn’t have a pharmacy in your network, like an extremely rural area you can claim to have family in that you’re “visiting” a solid few weeks that overlap the soonest refill date. Or claim you’re taking a trip overseas and will be gone during the normal refill date. Some insurance companies will give an early refill for a planned vacation, if there are no pharmacies in network or if its out of the country. You can also sometimes try “spilled” and claim the vial broke but that’s not allowed as often as lost/stolen. If your insurance company does these things, they will not advertise it. Also if they deny one reason, don’t try another for the same incident or they might mark it in their notes and give you a harder time in the future. It’s best to try each excuse for different incidents of losing the ability to use a med, so you can feel out what their policies are. If you try one reason for the med and they say no, they won’t approve it for a different excuse, and will note the last call in your notes, so “save” your other reasons to try for different incidents you need an early refill. These benefits also usually reset so you can use them 1-2 times a year, though how many times and whether that’s calendar or rolling year depends on the plan. src: worked at a pharmacy services that handled in-house plans for the parent medicaid insurance but also contracted out to a bunch of healthcare exchange plans across the country. So this sometimes works for both private insurance and medicaid plans. -- source link
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