← Return to Opiate Pain Medication

Discussion

Opiate Pain Medication

Chronic Pain | Last Active: May 8, 2022 | Replies (42)

Comment receiving replies
@sueinmn

Another consideration would be who will carry/manage his health insurance. Insurance policies and rules are managed by each state, unless you are a Federal or Military retiree who has chosen to carry your national coverage (like BCBS Fed) into retirement.

You say "but I am on Medicare..." Yes, but the supplements and/or Advantage plans vary widely by state as well. You need to get a copy of the policy you would have in your new location and read all of the fine print. In the case of opiates and other medications, you need to read everything about their drug coverage and who is their Pharmacy Benefits Manager (PMB.)

I know people who had to go through "step" therapy - trying each drug from A to X on the PMB list when they changed coverage - even if they had a long history & good records to show they had already been through it.

Crazy insurance rules are why several of my Winter Texan neighbors maintain their residency in other states after retirement. It is also why I continue to pay a higher premium for my BCBS Fed plus Medicare B. Watching friends struggle with stupid insurance rules and high copays, forgoing necessary meds, and being miserable has taught me where to economize.
Sue

Jump to this post


Replies to "Another consideration would be who will carry/manage his health insurance. Insurance policies and rules are managed..."

I too am on medicare. When it came time to pay for A+B I was aghast at the deductable for D. $6200-$10.000 on top of the $289. Monthly premium. All because I am on hydrocodone. I take 10mg 3x a day. And still in agony. But for those handful of hours of relief I'm not too sure I would still be here. So I said NO to advantage as well as D. The deductable would never be met. So why pay back to the government what I had paid to them already. On the chicken shit dr.s? Who would rather watch you in agony than treat you like a person and not a criminal? IS IMO, SHAMEFULLY CRIMINAL! BTW, I have CES. Cauda Equina Syndrome. But my name is Tesse. Glad to meet ya