I suspect most people really don’t like changing insurance. Forms to fill out, checking that your doctor takes the new insurance, getting prescriptions transferred…it’s all a pain in the ass, plain and simple.
However, if you are somebody with chronic pain, it’s even worse. As I am finding out. My insurance just changed. I dutifully checked that my doctors all took the new insurance, filled out the forms, and got my mail-order prescriptions transferred.
My pain medication is a brand name. The generic no longer works for me. Of course, the insurance company would rather have me on the generic (see: cheaper for them), so they denied the prescription. Now my doctor has to ask for pre-authorization (because clearly, *the prescription they wrote is not ENOUGH authorization*), which the insurance company (those people who want to spend less money on me) will either approve or deny.
“It can take anywhere from two days to a week,” the doctor’s office cheerfully informed me.
So, they might accept it. Which solves the problem. Or, they might not. Which IS a problem. It’s $200 a month — which a poor freelancer such as myself cannot afford.
My friendly pharmacy neighbors up in the Great White North will happily mail it to me. But because, for reasons that escape the understanding of my pea-eyed pointy head, it’s listed as a Schedule V drug by the FDA. So my friendly pharmacy neighbors in the Great White North cannot charge me a discounted rate.
So, no insurance approval = no pain meds. That’s the basic equation. The one medication that keeps the pain at a manageable level so that I can function will be out of my reach.
But for now…the waiting is the hardest part.