Questions about my partners insurance

Hi, I’m posting on behalf of my partner who doesn’t have a reddit. We have questions as to what is and isn’t allowed as far as changing plans during open enrollment.

My partner recently went to go get a medication refilled, and they were told that their insurance no longer covered the version of the medication they’re on. It’s an extended release, which isn’t covered, but the standard is. They also were told that their prescriptions were being run through a plan that

1) they had never heard of before,

2) is through a completely different company than their main insurance (they have cigna, and their prescriptions were being run through a BCBS plan)

3) was based in a state that has nothing to do with them or their company, for example the company is based Texas, and has an office in Florida but the plan was based in Montana (not the actual states, but similar).

When we tried to call to get things straightened out, they said they would have my partner switched to the correct prescription plan, but offered no explanation for what the other plan was or why or when they were enrolled in it. They were also told that a few of their medications aren’t covered by the correct plan, and they would have to continue to pay completely out of pocket, unless they upgraded to a much more expensive version of their health plan, which even then won’t cover extended release medications.

Is it possible to change off of an employer health plan and sign up for a plan through the exchange during the open enrollment? We can’t afford several hundred dollars a month for medications, but medication is something that you obviously shouldn’t just stop. We also can’t afford the “upgraded” health plan which won’t even fix the issue that were having.

submitted by /u/ghostguide55
[link] [comments]Hi, I’m posting on behalf of my partner who doesn’t have a reddit. We have questions as to what is and isn’t allowed as far as changing plans during open enrollment. My partner recently went to go get a medication refilled, and they were told that their insurance no longer covered the version of the medication they’re on. It’s an extended release, which isn’t covered, but the standard is. They also were told that their prescriptions were being run through a plan that 1) they had never heard of before, 2) is through a completely different company than their main insurance (they have cigna, and their prescriptions were being run through a BCBS plan) 3) was based in a state that has nothing to do with them or their company, for example the company is based Texas, and has an office in Florida but the plan was based in Montana (not the actual states, but similar). When we tried to call to get things straightened out, they said they would have my partner switched to the correct prescription plan, but offered no explanation for what the other plan was or why or when they were enrolled in it. They were also told that a few of their medications aren’t covered by the correct plan, and they would have to continue to pay completely out of pocket, unless they upgraded to a much more expensive version of their health plan, which even then won’t cover extended release medications. Is it possible to change off of an employer health plan and sign up for a plan through the exchange during the open enrollment? We can’t afford several hundred dollars a month for medications, but medication is something that you obviously shouldn’t just stop. We also can’t afford the “upgraded” health plan which won’t even fix the issue that were having. submitted by /u/ghostguide55 [link] [comments]Read Morer/HealthInsurance

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