Express Scripts Deceptive Practices, Malpractice Insurance Policies, Forced Prescription Changes, Removing Prescription Coverage Nationwide

In the past couple of years as we all know the medical industry has changed and many of times it is the behind the scenes handshakes that are made which cause the not-so-obvious issues.

I have been a diabetic for over 29 years this April 4th and in my tenure of being a diabetic I have used pretty much every insulin on the market to control my illness. I identified a policy that my employer offered out of 3 plan options and knew that I would require the following:

1. Maintenance Drug Coverage

2. Reachable Deductible

3. Continued Drug Coverage

4. Affordable Dr Visit Co-Pays (Every 3 Months)

I selected a plan that had all of the above as I was identifying a way to care for myself, but keep it affordable. I even signed up for a Flex Spending Account in the amount of my co-pay out of pocket annual maximum of $2,000 to make sure I had no issues staying healthy and obtaining the care needed to keep air in my lungs.

(This is where the problem started)

As we all know we sign up for insurance coverage for the year...

Express Scripts contacted me in August 2015 and advised me of the savings I would receive if I used the mail order pharmacy. $300 for my first insulin order and every subsequent order thereafter would be $187.50. 

I agreed to this as I saw the savings of over $100.00 and began the mail order in January 2016.

Since starting the mail order express scripts has decided that they no longer want to cover my specific insulin.... this is a problem!

Now they want to charge me $300 every order I place with them, and if I use the retail pharmacy more than twice they are going to peanalize me and make me pay more to obtain my insulin.

The mail order option was exactly that an option and not a forced requirement (I have the documents to prove that)

But, I am being forced to use the service that cost me more than the retail pharmacy.

Mind you.... when I pick up my insulin from the Local Pharmacy, it is absolutely free of charge. Why is this...

I called Express-Scripts today and they told me that I had over $4,000 in deductible to meet before my plan paid anything, but on my screen I paid $1600 of the $2000 out of pocket In-Network Maximum for the year already for myself.

The insurance company BCBS of Texas, CVS Pharmacy, and Express-Scripts obviously have a handshake agreement as they are forcing the insured to use specific meds (I am sure they receive a kick-back for) and specific methods and charging the insured absured prices simply because they have a choice of dying or paying the amount to stay alive...

A class action lawsuit needs to be filed against these practices - paying over $500 a month for "forced to have" insurance or get fined by the government and then being forced to pay these prices without choice has got to stop!