레이블이 Aetna Doctors인 게시물을 표시합니다. 모든 게시물 표시
레이블이 Aetna Doctors인 게시물을 표시합니다. 모든 게시물 표시

2013년 11월 28일 목요일

About 'aetna insurance'|Antique Advertising Mirror - Aetna Insurance







About 'aetna insurance'|Antique Advertising Mirror - Aetna Insurance








Insurance.

It's               a               part               of               modern-day               working               life               for               most               of               us,               and               I               know               we               should               all               feel               fortunate               if               we               have               it.

But               that               doesn't               mean               it               isn't               frustrating               sometimes.

The               details               of               your               prescription               benefits               might               be               buried               somewhere               in               the               insurance               packet               your               employer               has               given               you.

However,               how               it               works               when               you               are               at               the               pharmacy               can               be               mysterious.

Even               as               a               pharmacist               who               bills               prescription               claims               all               day               long,               I               still               don't               always               understand               all               the               details,               but               I'll               try               to               cover               the               basics               for               you.

Online               Billing               using               BINs
               Almost               all               insurance               plans,               including               state               Medicaid               plans,               are               billed               online.

At               the               pharmacy               we               enter               the               numbers               on               your               card               into               the               computer,               and               the               computer               does               the               rest.

The               information               on               your               card               is               absolutely               necessary.

Sometimes               I               look               back               on               the               good               old               days               when               we               only               dealt               with               a               handful               of               plans,               and               they               all               used               Social               Security               Numbers               as               ID               numbers.

Now               we               deal               with               so               many               different               plans               every               day,               I               don't               think               I               could               list               them               all,               and               few               use               SSNs               anymore.
               The               magic               number               on               your               card               is               the               BIN.

BIN               stands               for               Bank               Identification               Number;               a               confusing               term               because               there               are               no               banks               involved               at               this               point               in               the               billing.

Apparently               the               term               is               a               holdover               from               early               electronic               banking               lingo.

This               5               digit               number               tells               our               computer               where               to               send               the               claim,               and               if               we               have               trouble               we               can               usually               find               a               help-desk               phone               number               for               that               BIN.
               Pharmacy               Benefit               Managers
               The               claim               is               not               transmitted               directly               to               your               insurance               company.

It               is               sent               off               to               what               is               known               as               a               Pharmacy               Benefit               Manager               (PBM),               a               for-profit               company               that               only               handles               prescription               billing.

It               may               be               a               separate               branch               of               your               insurance               company,               like               Aetna,               or               it               can               be               a               completely               different               entity               like               Medco               or               Express               Scripts.

Each               PBM               has               a               different               BIN.

It               can               get               even               more               confusing               if               your               employer               decides               to               switch               PBMs.

They               may               have               signed               a               new               contract               with               the               new               PBM               that               has               promised               to               give               the               same               benefits,               but               that               doesn't               mean               everything               is               the               same               for               online               billing               of               the               claim.

Without               the               new               card               (or               at               least               the               new               BIN               and               ID               numbers),               you               may               have               a               hard               time               at               the               pharmacy.

Here               in               Washington               State,               state               employees               have               had               PBM               changes               twice               in               the               last               several               years.

If               you               are               in               a               large               group               like               state               employees               or               a               major               employer               in               your               area,               the               pharmacy               can               probably               figure               it               out               for               you,               but               to               be               safe               you               should               always               have               a               copy               of               your               newest               card               on               you.
               Formularies,               Prior               Authorizations,               and               other               Restrictions
               There               are               many               people               who               think               PBMs               are               evil               companies,               denying               your               prescription               claims               just               for               the               fun               of               it.

The               truth,               in               my               humble               opinion,               is               they               are               only               one               part               of               our               messed-up               for-profit               insurance               system               in               this               country.

The               PBMs               offer               employers               different               coverage               plans               at               different               prices.

The               lower               priced               plans               that               many               employers               choose               to               try               to               keep               overhead               down               will               have               higher               co-pays               and               more               restrictions.
               The               major               restriction               you               should               know               about               is               the               formulary.

This               is               a               list               of               preferred               medications               that               the               PBMs               don't               make               readily               available               to               pharmacies               or               doctors,               or               if               they               do,               it               is               incredibly               complicated               because               different               plans               offered               by               that               PBM               have               different               formularies.

My               advice               to               you               is               to               get               a               copy               of               your               plan's               formulary               for               yourself.

It               may               be               available               on               PBMs               website               for               patients               to               download,               or               you               should               be               able               to               call               customer               service               and               have               a               copy               mailed               to               you.
               This               will               hopefully               save               you               from               the               dreaded               Prior               Authorization               (PA)               situation.

Many               expensive               medications               will               not               be               on               the               formulary,               and               the               PBM               will               only               cover               them               after               getting               more               information               from               the               prescriber.

If               the               prescriber               gives               them               the               answers               they               want               about               your               diagnosis               and               other,               cheaper               medications               you               may               have               tried,               then               a               PA               will               be               given.

I               might               agree               that               this               is               a               reasonable               cost-saving               measure,               except               that               it               usually               takes               anywhere               from               a               few               days               to               a               few               weeks               to               get               a               reply               to               a               PA               request.

When               one               plan               wanted               to               get               PAs               on               an               expensive               antibiotic               (as               if               the               patient               could               wait               several               days               to               start               it!),               I               was               thoroughly               disgusted               with               them.
               All               plans               will               have               a               maximum               quantity               per               fill.

This               is               usually               30               to               34               days               at               a               retail               pharmacy.

More               and               more               PBMs               are               offering               the               option               of               a               larger               supply               if               go               with               their               mail-order               pharmacy.

Or               you               may               only               be               able               to               fill               only               a               few               times               at               your               neighborhood               pharmacy               and               then               be               forced               into               mail-order.

There               can               also               be               limits               on               the               quantities               of               certain               medications               that               are               lower               than               your               usual               maximum               quantity.

This               usually               applies               to               "as               needed"               medications               like               those               for               sleep,               migraines,               and               erectile               dysfunction.
               With               state-run               programs               there               is               usually               a               middle               man               who               handles               billing,               but               doesn't               call               the               shots               as               much               as               the               PBMs.

There               are               still               restrictions               and               medications               that               require               PAs,               but               these               are               determined               by               the               state,               not               the               company               processing               the               claim.
               What               to               do               if               you               are               unhappy               with               your               coverage
               The               whole               medical               insurance               system               needs               a               major               overhaul               if               you               ask               me.

Contact               your               congressperson               if               you               want               to               see               healthcare               reform.

In               the               meantime,               you               will               have               to               work               within               the               system.
               Let               your               employer               know               if               you               don't               like               your               coverage.

You               and               your               co-workers               might               be               able               to               negotiate               with               your               employer               for               a               better               pharmacy               benefit               package               the               next               time               around.

Also,               remember               your               employer               may               have               signed               the               contract,               but               you               are               paying               the               premium               (benefits               are               part               of               your               compensation               for               working               hard).

The               insurance               company               works               for               you;               not               the               other               way               around,               so               don't               hesitate               to               call               the               customer               service               phone               number               on               your               card               if               you               have               any               questions.

If               you               do               run               into               a               situation               where               the               plan               is               giving               you               a               hard               time               over               a               PA,               don't               give               up.

Have               the               pharmacy               call,               have               your               doctor               call,               and               call               yourself               until               you               get               a               satisfactory               response               from               the               PBM.Always               have               your               current               prescription               insurance               card               on               you.Have               your               doctor               check               your               plan's               formulary.Don't               forget               the               insurance               company               works               for               you;               not               the               other               way               around.






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