After 6 months of phone calls, I finally figured out why Health insurance companies are reversing many co-pays that would normally apply towards your deductible.
Long story short : almost all insurance companies are NOT allowing patients to fulfill their deductible requirements when they (the insurance company) finds out that you (the patient) are using a manufacturer's co-pay assistance to help pay for your medication. DO NO TELL AN INSURANCE IF YOU ARE USING A MANUFACTURER CO-PAY ASSISTANCE PROGRAM 🤐🙊😶
Why : insurance companies feel that they are being screwed by the drug manufacturers when they help patients pay for their medicine.
How : from a math perspective, a drug manufacturer pays 1 month of expenses (if you have an expensive specialty drug like i take) then they make 11 months of profit because insurance pays for the rest.
Sad : insurance companies think this is unfair and are reversing your payments if you used a manufacturer co-pay assistance program of any kind.
Double sad : the insurance companies force you to pay out of pocket to make the patients "feel the financial pain" in hopes it will force patients to seek cheaper alternative drug solutions, which will possibly cause drug manufacturers to lower their prices.
The main problem : drug manufacturers charging ever increasing prices for their medications.
submitted by /u/Krunk_korean_kid
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