I cried angry tears at work today. Thank the Universe I have an office with a door that closes because I was raging.
As most of you know, I have some existing health issues that really require insurance. My health insurance enrollment process got unnecessarily dragged out from when I started on Oct. 1, and to make a long story short I was "enrolled" but with no ID card or online access so I couldn't prove my enrollment--> couldn't go to the doctor. I was already getting to the end of my rope with this. I figured my biggest problem was getting myself into physical therapy.
On Saturday I went to the pharmacy to get my BC and whaddaya know, I still can't access my insurance info and thus can't get my Rx. I emailed Benefits AGAIN.
Today Benefits emailed me back and kindly offered to have their rep call the pharmacy. Awesome! Yes! Then I get the email back: My NuvaRing is "covered" but because it's not generic, I have to pay $297 toward my deductible. What the everloving fuck. They have a very short list of generic BC they'll cover, and they're pretty much all pills (or IUD). I don't want a pill, I like my NR. I've been on these hormones for five years and they work for me, and I can't fuck it up because it's there all the time.
And on top of all this, I need to start my cycle tomorrow. If I had actually been really enrolled on Saturday when I tried to get the Rx, I would've known about this. Now it's the night before and I'm scrambling to make a decision about whether to change my BC or pay fucking $297 monthly until I reach a total of $1500 out of pocket.... which is frankly insane.
I spent a very long time on the phone with insurance today and their explanation is that NuvaRing doesn't count as "preventive care" (which is supposed to be fully covered under my plan) because only generics are "preventive." It's a total bullshit non-answer. I'm so pissed.
I am beyond full of rage about this and sort of even having a hard time articulating how belittled I feel that I can't make this choice for myself.
Now it's 9:50, I just got home from work with at least another hour to do at home, and my doctor was able to squeeze me in at 8:15 tomorrow morning to at least call in a Rx for me. I have approximately 10 hours to complete this work project, sleep, and make a major health decision. Funtimes!
All of this is to say-- anybody have feedback (good or bad) about any particular generic BC? Any recommendations about IUDs? I can't get one early enough to start this cycle but I might switch to one permanently if my only other choice is a pill.
"I'm not a rude bitch. I'm ten rude bitches in a large coat."