I wanted to share my story of secondary coverage in case anyone else is in the same position.
Weightloss drugs are an exclusion on my work insurance. This year I added my husband's insurance as a secondary because they do cover weightloss. Same insurer though, so I thought it would easy.
First hurdle: Prior Authorization. My doctor sent the rx to the pharmacy and the pharmacy really struggled to get anywhere with the PA. I had to have the doctor's office send the PA request directly to both. I also had to get my husband's benefits coordinator involved because it kept getting hung up on the primary rejection. I'm not even joking it took like 6 attempts to go through and every customer servi
My union sold us on trust that we pay into now and then continue to pay into in reitrement while receiving various health benefits. It was sold to us as retirement health insurance. I've been suspicious of this since it came up. I just received the plan booklet after like 3 months of asking and I am confused by a few things:
the plan was written in the 90s and hasn't changed a word since then. They tout this as they havent "changed prices/costs to you" in decades. It has what I would considere extremely outdated language or concepts in it.
2)Lifetime maximum benefits - it seems like 1-2 big medical emergencies would exhaust it.
3)excludes therapy for mental health/learning disabiliti
Particularly what your employer's policy is on it. My HR is refusing to provide me a policy because its between me and the state and they have no control over it. At the same time they are charging my leave banks and it's my understanding that will reduce the PFML benefit. My HR is super anti-maternity leave and refuse to tell me anything but told my boss they were going to refuse to insure my son if I took PFML.
