You understand how we’ve been telling you that contraception ought to be utterly coated by medical insurance underneath the Reasonably priced Care Act (ACA)? Meaning no co-pays, no co-insurance coverage, and no deductibles. It additionally signifies that if you end up paying any cash out-of-pocket to select up your contraception refill, you might be getting charged illegally.
In September, Congresswoman Jackie Speier wrote to the CEOs of CVS and Walgreens asking about studies from ladies—together with a member of her personal employees—who stated they’d been charged co-pays for generic prescription contraception. (BTW, in the event you use model identify contraception that has a generic equal, your co-pay state of affairs could also be totally different—right here’s extra details about that.) CVS responded to Congresswoman Speier saying that the fees have been as a result of a coding error that ought to now be fastened. They’ve promised to reimburse the eleven,000 clients they are saying have been charged illegally.
So what does this imply for you?
Hopefully CVS, Walgreens, and different pharmacies will get any points resolved and also you’ll by no means should cope with being charged an unlawful co-pay in your contraception. However when you do, listed here are three ideas that ought to assist be sure to get your contraception coated.
1. Ask concerning the cost.
The simplest approach to cope with an unlawful co-pay is to nip it within the bud instantly. So in the event you’re testing on the pharmacy and your receipt says one thing aside from $ zero, ask the pharmacist concerning the cost. If the pharmacist tells you to name your insurance coverage firm, don’t be postpone—ask to name collectively. The pharmacist or somebody on employees must be prepared to name your insurance coverage firm with you and resolve the difficulty on the spot.
2. Comply with up inside seven days.
If for no matter cause you possibly can’t resolve the difficulty when you’re bodily on the pharmacy, or for those who don’t understand you’ve been charged till after you’ve left, comply with up with the pharmacy as quickly as attainable. Goal, Walgreens, and CVS all have insurance policies that make it simpler to reverse pharmacy costs by means of the pharmacy itself inside 7 days of cost. In the event you miss the 7-day window from whenever you paid in your prescription, you’ll should undergo your medical insurance to get a reimbursement.
three. Don’t surrender.
For those who miss the 7-day window, getting reimbursed for an unlawful co-pay is perhaps barely extra difficult, however it ought to nonetheless be attainable. Name your insurance coverage firm to seek out out your choices.
In case you have questions for CVS a few co-pay cost (or in the event you assume you need to be receiving a reimbursement and need to affirm), CVS recommends calling 1-800-704-6589 and asking to talk with a Tier 2 consultant or supervisor to ensure you get somebody who may help on the road. In the event you assume you’ve been illegally charged on your contraception by the pharmacy or your insurance coverage firm and also you’re having hassle getting solutions or reimbursement, you don’t need to cope with it alone. Attain out to CoverHer.org, a hotline run by the Nationwide Ladies’s Regulation Middle, at 1-866-745-5487—or e mail them at [email protected]—for assist.