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co-pay on HGH
- Thread starter serge
- Start date
TrueCowboy
New member
OK... I can get a script no problem. BUT.... what does the reason have to be to fit into being accepted by insurance provider? Please share this information. I realize it will vary by insurance provider... but there should be some common ground.
SofaGeorge
New member
Just because you get a script - DON'T - expect your insurance company to pay for it. Unless you have AIDS they will refuse reimbursement.
D
DepressiveJuice
Guest
course it also depends on your deductable. some people have a deductable up to $2000
TrueCowboy
New member
SofaGeorge said:
That is wht asked the question... How they do it I don't know but there seems to be people whose insurance pays for it without having AIDS. Can anyone give any OTHER reasons???
SofaGeorge
New member
TrueCowboy said:
Don't even bother.
Other than having documented AIDS you are NOT going to get reimbursement. Period.
C
cbeaks
Guest
Sofageorge and gilly are right. As of January 1, 2003 you have to be HIV positive for you insurance to pay for it. - cbeaks
H
HULKSTER
Guest
cbeaks said:
And this was cemented even further after Palumbo's nonsense about Serotism on the front page of the NY Times a few days ago.
SofaGeorge
New member
HULKSTER said:
The Palumbo article came out late in the game. Different versions of the same story came out months ago.
C
cbeaks
Guest
gilly6993 said:
I place 3rd as an open heavyweight. I was pretty pissed off. The other two guys looked good but after looking at pictures I thought my overall package was better and I had several people at the show that came up to me before the winners were announced and they told me that they thought I won my class. Nothing I can do about it now. It will probably be my last show as an open heavyweight though since my progress should have me competing as a superheavyweight by the next show. - cbeaks
"So how do I fake having AIDS?"
I can see this one coming down the road from someone...
I can see this one coming down the road from someone...
HGH man--Chargeback
New member
You could have a pitutary tumor also.( Diabetes Insipudus) They pay on that one also. I was unaware that they paid for Aids until I read the forums.
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cbeaks
Guest
gilly6993 said:
no it doesn't. That's why I was so pissed. For the second year in a row I placed 3rd and needed to place second to qualify for nationals. - cbeaks
serge said:
Most of the public doesn't understand insurance. It is a privilege, not a right. It is more like financial aid, and less like a gift certificate. Here is the typical process for getting coverage of an expensive med like HGH: First, you need a prescription. Second, msot insurance plans require a pre or prior authorization from the prescribing doctor. What this means is that the doctor swears he is prescribing the drug for a legitimate, medical reason and what the reason is. The doc must also be able to back up this reason with evidence (blood testing and other diagnostics). Obviously, if it is for HIV/AIDS, then blood testing and other diagnsotics can justify this. If it is for Adult GH deficiency, then proper blood testing is required. Lastly, the insurance company can reject the reason. They may decide that they will not pay for Adult GH deficiency, but they will pay for HIV/AIDS. This is how insurance wroks for everything. Some people have more liberal insurance coverage than others--even within the same company. Insurance companies are more apt to pay for a diagnosis of HIV/AIDS, for they know the patient won't be around for long; whereas, with GH deficiency, they can be locked in for a long time. Lastly, insurance companies frown upon paying for elective use of medications. Bottom line: the less insurance companies pay out, the more they keep for themselves.
jasonstrong
New member
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
SofaGeorge
New member
On the bright side... from a manufacturing standpoint HGH is about as easy to make as insulin (per several top experts) and the price should come down to the range of insulin before too much longer.
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.
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.
