HRT Friendly insurance

[samiam]

I am currently shopping for health insurance. I am in the US.

I have a doctor who believes in HRT. My life coach/conselor is a close friend of his and said he would put a but in his ear that HRT might be good for me.

Wouldn't I be better off with insurance FIRST? if so what companies are the friendliest to HRT.

Also, what should I ask for specifically if he will give me a script.

Also, if I had to pay out of pocket how much might it be?


If anyone has input on any of these questions it would be grealty appreciated.


-jps

 

[VTliftVT]

I am currently shopping for health insurance. I am in the US.

I have a doctor who believes in HRT. My life coach/conselor is a close friend of his and said he would put a but in his ear that HRT might be good for me.

Wouldn't I be better off with insurance FIRST? if so what companies are the friendliest to HRT.

Also, what should I ask for specifically if he will give me a script.

Also, if I had to pay out of pocket how much might it be?


If anyone has input on any of these questions it would be grealty appreciated.


-jps

I have AETNA insurance and they will cover most of my costs. As for better companies I am not sure as I have been restricted by what my employer provides.

I would certianly get insurance first if you have any medical testing that needs to be done. Some of the blood work/lab work is very pricey and you don't want to get stuck footing the bill.

As for what to ask for, I would say a long estered test such as test e or cyp and HCG would be the best route. As for how much, again that will depend on your blood work and what levels your Dr. is comfortable at keeping you. I am currently on 100mg Test E/wk and I feel good. Others can get by with 200mg/week but thats uncommon as far as I have seen.

My previous insurance provider did not pay for the test and a 5ml bottle of 250mg/ml was $140 bucks....ouch...

 

[wannagofast]

I have AETNA insurance and they will cover most of my costs. As for better companies I am not sure as I have been restricted by what my employer provides.

I would certianly get insurance first if you have any medical testing that needs to be done. Some of the blood work/lab work is very pricey and you don't want to get stuck footing the bill.

As for what to ask for, I would say a long estered test such as test e or cyp and HCG would be the best route. As for how much, again that will depend on your blood work and what levels your Dr. is comfortable at keeping you. I am currently on 100mg Test E/wk and I feel good. Others can get by with 200mg/week but thats uncommon as far as I have seen.

My previous insurance provider did not pay for the test and a 5ml bottle of 250mg/ml was $140 bucks....ouch...

AETNA is the shiznit..

 

[strength7]

BC/BS

15$ office visits

labs 100%

10$ copay for my 10ml 200mg/ml cyp

 

[Blenderate]

-

 

[W8killa]

what's a life coach?

 

[samiam]

what's a life coach?

Thanks for the input guys! Keep it coming!

A life coach, not to be smart, is someone who coaches you through life. Basically, they can be a marriage counselor, offer financial counseling, vocational advise, be a shrink and basically just help you with any problems/decisions you need to make. Find and good one and it is awesome.
Mine is licensed therapist and can advise the medical doctor to give sleeping pills, "mood stablizers" and apprently JUICE!

 

[Pekkerwood]

My Blue Cross/Blue Shield covers it fully.

 

[morepain]

for those whose insurance does not cover it Costco pharmacy sells 10ml test cyp for about $60 as opposed to $115 that cvs charges. You might want to fill your script there.

 

[Pekkerwood]

That is an unbelievable price. My pharmacy is like $118, but they do throw in free pins! LOL I will add them to the hundreds I have left over.

 

[ironone1]

AETNA is the shiznit..

I thought they sucked as compared to what I have now. Their tier 3 drugs I think were 15% co-pay. It would have costed me over $300 a month to stay on Enbril vs. the $50 co-pay I have now.

 

[morepain]

That is an unbelievable price. My pharmacy is like $118, but they do throw in free pins! LOL I will add them to the hundreds I have left over.

YEAH i was paying 115 to 125 until i shopped it, check out costco's pharmacy website, pricing is right there, just specify generic.

 

[VTliftVT]

I thought they sucked as compared to what I have now. Their tier 3 drugs I think were 15% co-pay. It would have costed me over $300 a month to stay on Enbril vs. the $50 co-pay I have now.

AETNA has about 100 different plans...it depends on how much you fork out and what type of plan you get to what your coverage/copays/costs are.

With my plan I have $20 copay on ANY normal Dr. Visits. Free visits to specialists such as allergist/endo/etc. $10 copay on ANY prescriptions. I pay no fees for MRI's and other scans.

Like I said, you get what you pay for, and most companies offer a variety of plans...

 

[ironone1]

AETNA has about 100 different plans...it depends on how much you fork out and what type of plan you get to what your coverage/copays/costs are.

With my plan I have $20 copay on ANY normal Dr. Visits. Free visits to specialists such as allergist/endo/etc. $10 copay on ANY prescriptions. I pay no fees for MRI's and other scans.

Like I said, you get what you pay for, and most companies offer a variety of plans...

My employer only offers one plan for Aetna. Their dental covers everything for free except for extractions, which is good. The arthritis med I'm on costs almost $1,500 a month. I find it hard to believe trhat I could get it for only a $10 co-pay a month without having an astronomical weekly deduction for it. I'll find out from Aetna because I'm back with the company that has it now.

 

[JUSTKIDDING]

A life coach?
Here in Europe we dont have coaches for this and that we must do it ourselves.
Do it your self is making you stronger .

 

[samiam]

A life coach?
Here in Europe we dont have coaches for this and that we must do it ourselves.
Do it your self is making you stronger .

in my case his standard is much higher than mine would be - therefore it makes me stronger to see him! lol

I see your point though. Guess I shouldn't have a trainer either then...

 

[dragonfire101]

I have Anthem and pay $3 a month for my Test. Whether its androl gel, vial or sublingual.

 

[VTliftVT]

My employer only offers one plan for Aetna. Their dental covers everything for free except for extractions, which is good. The arthritis med I'm on costs almost $1,500 a month. I find it hard to believe trhat I could get it for only a $10 co-pay a month without having an astronomical weekly deduction for it. I'll find out from Aetna because I'm back with the company that has it now.

Thats a good point, I wasn't thinking about specialty meds. However, my plan says any prescription is a $10 copay but I am sure there is some fine print I haven't read yet. I have only been with AETNA for a month switching from some BS insurance at my previous company.

 

[ironone1]

Thats a good point, I wasn't thinking about specialty meds. However, my plan says any prescription is a $10 copay but I am sure there is some fine print I haven't read yet. I have only been with AETNA for a month switching from some BS insurance at my previous company.

They have a three tier prescription drug program that you pay a percentage of the total cost for. The generic ones aren't too bad but the ones like I use don't have a generic version so you pay the third tier cost which I believe is around 15% -25%. I never used it for that because the cost was too much. I'm sure test is probably a third tier drug with them. I'll find out soon if I go on HRT.

 

[din'e warrior]

Is Gh covered by insurance?