YSK: if you have health insurance through your employer…
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YSK: if you have health insurance through your employer, they may be the ones deciding what’s covered and by how much
In the US, large employers tend to offer self-funded insurance plans. Your employer may contract with an insurance company (e.g. Aetna, United) to administer the plan, pay claims, and adjudicate claims. However, the employer is deciding what drugs are included in the plan formulary and they’re the ones ultimately responsible for the funding of the claim.
Why YSK: a claim is ultimately approved or denied based on the rules set by your employer and therefore if you’re not getting the drugs you need it may be time to look for a new job if able.
#education
In the US, large employers tend to offer self-funded insurance plans. Your employer may contract with an insurance company (e.g. Aetna, United) to administer the plan, pay claims, and adjudicate claims. However, the employer is deciding what drugs are included in the plan formulary and they’re the ones ultimately responsible for the funding of the claim.
Why YSK: a claim is ultimately approved or denied based on the rules set by your employer and therefore if you’re not getting the drugs you need it may be time to look for a new job if able.
#education
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