Esav Benyamin said:
As Federal employees make up a large and diverse representation of the US population, I wonder why, if these insurers can serve us so well, they can't provide the same benefits to anyone walking in off the street?
My limited experience with the European health care system was very favorable. I received excellent quality health care at a price that an average working stiff could afford without having to give up food and rent for month.
ErikD said:
The thing that I think is just about the nastiest, dirtiest trick in the book is actually used by many insurance companies. They will accept the claim, and give you a copay price. The only catch is that the copay is actually pretty much the full price of the medication, and they pay under $10, if anything. This works great for them of course, you pay them for coverage AND pay for your own medication, thinking that you are saving a lot of money.
My blood pressure medicine had a $40 co-pay

It was also the only one that worked.
How do you think the insurance companies come up with their "formulary's"? How can they get Amoxcillin (sp?) for $3.76 on an $8 discounted co-pay tier?
Then the insurance company altered my Social Security number so I was denied coverage. That's when I learned first hand about the multi-tiered pricing scheme they used. There were essentially three prices, highest being the inflated Co-pay price, next highest price being the "street" price with no insurance, and by mistake the pharmacy let me see the "formulary" price the insurance company actually paid.
We live in a free market society that has enabled a dramatic increase in the standard of living for most people. I am not opposed to the medical community, drug companies, and insurance companies making a fair profit. However, it seems pretty clear that some segments of the marketplace are taking advantage of the situation to profit unfairly. As much as I hate to admit it, government regulation may be required to stop the price gouging and out right greed some parts of the marketplace are demonstrating.
The Europeans seem to have the cost structure under control. Why should a prescription in the USA cost so much more then the same exact drug in Europe. A coworker friend of mine had the company he worked for bought out. They changed insurance companies and that contract did not cover diabetic supplies - nothing - none - zilch. His take home pay took a drastic cut because he had no choice but to pay out of his own pocket to keep his wife healthy. They lost a good long term employee.
rant mode off, again
Thanks everyone for the feedback on the blood glucose testers so far.
It sounds like all the modern units are pretty competitive with each other. Differences are pretty minor and costs for use are similar. I hope insurance covers those that need them.
I stumbled across a Canadian government website that had some pretty good non-commercial information on diabetes in general. It was nice reading something that wasn't laced with commercial interests.