co-pay on HGH

[DrJMW]

Like said above some companies won't pay for it no matter what...I know my insurance manual states it doesn't cover GH, or Fertility drugs...be nice to get a 3 month supply with a $10 co pay...he he

Even if your manual says it is covered, big deal. That doesn't mean a thing. Read my post above.

 

[serge]

DrJMW,

do the same rules apply for all HRT meds?

 

[DrJMW]

The rules apply to medications, procedures, home care, etc. Remember, the goal of the insurance company is to not pay for anything. They have the right to make these decisions as they go along--it is in the contracts and the law. For instance, my plan does not cover any AAS except for Testos Gel. This is clearly written in the policy. But, they do "cover" some brands of HGH. But, I must submit a "pre-authorization" before they will cover the HGH. And just by submitting the paperwork doesn't mean I am automatically covered--it triggers a decision process. The insurance co. will probably OK a diagnosis of HIV/AIDS, but not one for GH deficiency without proof of a pituitary tumor (disease, not just aging). Why cover the AIDS patient? Their life expectancy is much lower than the GH deficient patient--meaning that they will have to pay out less for the aptient that dies sooner. These types of decisions are made every day for every drug and procedure.

Insurance is really most effective for catastrophes, not preventative/diagnostic stuff. And you, as a customer, must start to see it that way. Get used to paying for a lot of the small stuff--you will need your coverage for the big stuff like: injuries, heart attacks, strokes, organ failure, etc.