Dean's complaint:
May 18, 2013

Insurance Company: Reliance Insurance Company
Coverage Type: Health Insurance

• Marketing & Sales - Misleading Advertising

I finally get employed (part-time) and know that for now my health care benefits are lousy. However they have prescription coverage and the forms are FAR FROM COMPREHENSIVE, no drug formulary, just a brief description like "must be written prescription by doctor, no OTC, and if generic, which ALL of mine, but they are Class II, so what. So you pay $25.00, if brand you pay basically out-of-pocket. I go down to the pharmacy and two of them are controlled, for ADD and Narcolepsy, one was $425, THE OTHER $205. I was pissed off and outraged, and that's putting it mildly. Call this guy to ask why medications I need to actually function, to keep my job are not being paid for. I found what I thought was an online drug formulary but so many of these links are not clear as to whether you are looking at Reliance Standard Life Insurance or something else, like some stupid subsidiary company. Too many links!!!! So the formulary has this Tier 1, 2, 3. Brand name obviously is Tier 3 BUT THE FRICKIN' EXACT SAME DRUGS ARE LISTED BOTH BRAND AND GENERIC, GENERIC FALLING UNDER TIER 1. This means the insurance company should have known I pay only the copay of $25.00. The cust servc rep must have been some new idiot because he explained it like this: "The cost of making the drug exceeds the copayment, so you must pay full price". I was like, "what the f...k???? are you talking about. ITS GENERIC and you're looking up another drug that treats same disorder but DUDE YOU'RE LOOKING UP THE BRAND NAME!!! THESE ARE AVAILABLE IN GENERIC". So I have to call Reliance to file a complaint. All I know is they said nothing about a formulary and like I said the one listed online shows Tiers for both Brand and Generic. I am literally working to pay for my medications if I paid $400 for a 30 day supply. GOOD FRICKIN' GRIEF, WHAT IS WRONG WITH THESE PEOPLE???? If they paid for it and I forked over $25.00 NO WAY ARE THEY GOING TO LOSE SLEEP WHEN PHARMACEUTICAL COMPANIES MAKE MILLIONS OFF US PATIENTS. And what can we do about it?? Do we have ANY power over these morons?

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