Medicare is my secondary - I've also had it as my primary before I was working - and it's beyond confusing to me. As of now, they seem to be paying my doctor visit copays and a portion of my inhaled expensive meds, like tobi, colistin, and pulmozyme. The rest of the cost of those meds is covered by my third insurance, the state-funded GHPP. My primary insurance (through employer) won't pay for those meds at all. Medicare also apparently is paying for the rental of my neb compressor. So it seems like whatever my primary won't pick up, medicare and GHPP take care of.
I still have copays on all my 'regular' prescriptions and if my primary will pay for it, the other two won't touch it. This is why I have to pay $45 copay for HTS (so lame). My primary authorized it as a non-formulary drug - if they'd just deny it, I could get it for 0 copay. This is also why I couldn't get Levaquin when prescribed. My primary authorized it as a non-formulary, in the amount of 10 pills (even though the rx was for 28) so Medicare and GHPP wouldn't touch it - I was not about to pay $45 for 10 pills when that wasn't even the Rx the doc wrote. Long story long, by the time I got it all sorted out and ended up with oral Cipro, I was too sick and wound up needing IVs in lockup.
The system is messed up, confusing, and even the people who work it often don't know how to deal with our special, complicated cases (no offense to Leah <img src="i/expressions/face-icon-small-smile.gif" border="0"> ). But after all my b!tching, at the end of the day, I am so thankful that I have THREE insurances to fight over who will pay for what. Jumping through hoops seems to be the way of life in this country - tis the best skill one picks up in college, IMO
I still have copays on all my 'regular' prescriptions and if my primary will pay for it, the other two won't touch it. This is why I have to pay $45 copay for HTS (so lame). My primary authorized it as a non-formulary drug - if they'd just deny it, I could get it for 0 copay. This is also why I couldn't get Levaquin when prescribed. My primary authorized it as a non-formulary, in the amount of 10 pills (even though the rx was for 28) so Medicare and GHPP wouldn't touch it - I was not about to pay $45 for 10 pills when that wasn't even the Rx the doc wrote. Long story long, by the time I got it all sorted out and ended up with oral Cipro, I was too sick and wound up needing IVs in lockup.
The system is messed up, confusing, and even the people who work it often don't know how to deal with our special, complicated cases (no offense to Leah <img src="i/expressions/face-icon-small-smile.gif" border="0"> ). But after all my b!tching, at the end of the day, I am so thankful that I have THREE insurances to fight over who will pay for what. Jumping through hoops seems to be the way of life in this country - tis the best skill one picks up in college, IMO