Monday, August 15, 2011

Is your pharmacy taking you (and your insurance) for a ride?

Well, I decided to try auto-fills on my prescriptions from Walgreens and it works great, perhaps a little too great. It's so nice not to have to remember to order, and then pick-up scripts (or order, then forget, then need at 12am and have to drive to a 24hour location). However you should be aware of your insurance policies on filling prescriptions.

If your coverage company is like mine, they allow refills at around 21-days. This is fine when you aren't on auto-fill because everybody needs a little wiggle room on the timing. On auto-fill however, every single time your prescription CAN be ordered, it WILL be ordered. So instead of 12 months in the year, you now have 17 eligible refills available. With travel time maybe 1 less. By the time you are 1/2 way through the year, you will always have next months supply on the shelf before you start taking this month's supply. This may be great as far as being able to forget going to the pharmacy, but not sure about your pocketbook with the co-pays, and I'm sure your insurance will love it as well.

A Walgreens rep told me they fill entirely on the insurance providers policy, but I don't think the insurers have. I would have written them a note, but you can only send them 256 characters at a time through their online contact form. Basically she said "I'ts not our fault, there's nothing we can do". I did add that maybe she could suggest the customer being able to alter the interval to 30 days.

So, does your pharmacy do the same thing? It should be that after the second auto-fill (you need 1 or 2 early if you are right on the nose when you set it up to allow for holidays, sundays, and soon to be non-delivery saturdays), the interval that they are ordered reverts to 30 days, since once you are on track you shouldn't need that extra wiggle room anyway.