Monday, June 11, 2012

What if you bought a health insurance plan and it only covered generic drugs?

Seattle Times columnist Denny Westneat wrote a piece this weekend on the impact of a generic-only health insurance plan on a gentleman recently diagnosed with cancer. The column describes an attempt this past spring by Lifewise (a subsidary of Premera) to drop non-generic prescription drug coverage for its individual plan members. The Office of the Insurance Commissioner (OIC) and groups like the National MS Society and the American Cancer Society have been fighting this change though the insurers are pushing hard to sell health insurance plans with only minimal coverage. The big question - where do you draw the line between selling a comprehensive health insurance plan and an affordable health insurance plan? The National MS Society and other chronic disease groups believe a health insurance plan should cover your health care needs, no matter what condition you have. Some insurance companies just want to sell cheap insurance plans. What should we allow in the marketplace?

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