Insurance issues aren’t all together new in our household. We both had a bit of a scary time when we left our jobs to be self-employed. We’ve also struggled from time to time with figuring out how to save enough money to meet our rather large deductibles. But for the most part we have had a fairly easy time, from what we hear from other CFers.
This particular issue started back in December. On a random Saturday, Jesse received an email from Aetna containing a certificate of prior coverage along with a message stating that this was being sent because we had either cancelled our insurance or because our policy number was changing. Since we hadn’t cancelled any coverage, we tried not to worry for the rest of the weekend and called first thing on Monday to verify that the policy number was changing. We were told that all Florida policy numbers were changing and that there would be no changes to insurance other than the policy number. After the new card showed up at the beginning of January, we assumed everything was fine and pretty much forgot all about it.

That is… until last week when I called to refill Jesse’s Pulmozyme. This is usually a $35 copay, but for some reason they were telling me it would be over $900 this time because it was no longer covered. Obviously, there is no way that we could afford a medication that costs over $900 per month so I started to panic.
Most of the freak out is due to the fact that we are almost out of time to switch plans if we decide that we need to. Since I ordered right at the end of last year, before our deductible started over, we had already “wasted” over 30 days on the new policy. Me, Jesse, and Sue have all been on the phone with Aetna trying to straighten out the whole situation but haven’t gotten too far yet. They are supposed to be looking into the problem and calling us back, but we haven’t heard anything yet.
Also, it looks like Pulmozyme will not be our only issue. Once this (hopefully) gets resolved, we can start fighting with them over Colistin.



