Destiny Health plan is the WORST ever

OK, so our health plan works like this - our whole family (2 adults plus 2 kids) gets $1,500 for medical expenses for a whole year. All doctor visits are billed at the contract rate and are paid from this $1,500 pot. After that is used up, everything is out of pocket until $6,000. Keep in mind that these expenses are ON TOP of the $750/month we pay for the privledge of having this piece of crap plan.

Let me share with you how this worked out for us last year. My older daughter saw her cardiologist for a check-up regarding her congenital heart defect. They did an EKG, an echocardiogram, etc. The good news is that she had finally outgrown her pulmonary stenosis and won't need to see the cardiologist again. The bad news is that the CONTRACT rate for this office visit was $1,200. So, in one trip to the doctor, almost all of our $1,500 pot was used up.

My husband has a good job, and thank goodness because this health insurance plan costs us a fortune. At the sales pitch, the Destiny bozo told us that doctor visits would cost around $50 each (contract rate). We have YET to see a doctor visit cost anywhere near $50. In fact, my husband had his cholesterol and glucose tested and the contract rate for this was $300. Unbelieveable!

I have now found an on-line company that will only charge $45 to have a complete metabolic panel and lipid panel taken at a local laboratory. So, we won't make the mistake again of going to a lab of the doctor's choosing.

Prior authorization for meds - WTF?

My 7 year old daughter takes Singular for her allergies. I got a written prescription for it from her Pediatrician and took it to the pharmacy. The pharmacy employee explained to me that my daughter's doctor needs to call my insurance company to give prior authorization for the medicine. This process can take 48-72 hours, and it is to "ensure that she really needs the medication". SO, why would my doctor WRITE the prescription if she didn't actually need it?!?!? Because of this bulls**t rule, my daughter will be without her medication for 2-3 days. And no one will actually CALL me when it is finally authorized. I have to check back every day or so. I am SO tired of being treated like crap from our Insurance company. This is just one of many reasons why I absolutely HATE our Health Insurance company.

By the way, my insurance company is Destiny Health. So, if you are ever interviewing for a job with a company that uses that plan, RUN THE OTHER WAY! Destiny Health totally SUCKS! More on why they completely suck in future blogs...

Can anyone out there feel my pain?