From the P&C Files: Ooops!
Watch your meds�
Got an interesting flyer from Humana today. Effective May 1, they�re changing how they cover certain medications. Based on previous experience, I expect other carriers to follow suit shortly. The letter starts out auspiciously enough: �Humana is launching a new program designed to help employees who take certain high-cost drugs save money each month on their prescriptions. And when employees choose less expensive drugs, overall pharmacy costs should decrease.� The program targets specific medications that have �lower-cost alternatives,� presumably generic equivalents. For now, Humana is focusing on meds for heartburn, pain, allergy and high cholesterol. Left unsaid, but certainly easily inferred, look for blood pressure and anti-depressant meds to follow. The program is set up so that, at the next refill (or, for first-time use, the initial scrip), insured�s will need to talk with their doc about their new options: - Switch to lower-cost alternative (i.e. generic), - Stay on current me...
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