Whose Benefit?

The medical benefit plan I have requires payment of a certain sum before it begins paying a high percentage of the cost of prescriptions. This sum is called the deductible; it’s a sum uncovered by the insurance, deducted from the total expenses before consideration of payment. The policy term is one year, so the value resets every year.

The other day I had to purchase a prescribed drug. The pharmacy had a simple question for me: Did I want them to bill through the insurance company, or did I want to pay cash? If they billed through the insurance company, then the cost of the prescription would be applied to the deductible amount. If I paid cash, then the insurance company, not knowing of the cost, would not apply it to the deductible. One supposes that there’s a third option: to pay cash and then report the expense to the insurer.

This question came up because of a difference in the prices between the two methods: $300 more to bill the expense through the insurance company.

No, thank you. I’ll pay cash.

Moderation, in This as in All Things

http://www.cdc.gov/alcohol/faqs.htm
http://www.standarddrinks.com/tool.asp
http://en.wikipedia.org/wiki/Blood_alcohol_content
http://en.wikipedia.org/wiki/Alcohol_by_volume

http://www.marininstitute.org/
http://www.marininstitute.org/site/campaigns/stop-alcopops.html

http://www.alcoholscreening.org/Home.aspx
http://www.alcoholscreening.org/Learn-More.aspx

http://www.niaaa.nih.gov/
http://www.niaaa.nih.gov/Publications/AlcoholResearch/
http://pubs.niaaa.nih.gov/publications/Practitioner/pocketguide/pocket_guide.htm
http://pubs.niaaa.nih.gov/publications/Practitioner/pocketguide/pocket_guide2.htm (standard drinks)
http://pubs.niaaa.nih.gov/publications/Practitioner/pocketguide/pocket_guide3.htm (drinking patterns) how was 2 drinks/day not more than 14/week determined to be OK?
http://www.spectrum.niaaa.nih.gov/

http://www.alcoholpolicymd.com/press_room/Press_releases/girlie_drinks_release.htm
http://www.alcoholpolicymd.com/alcohol_and_health/health_effects.htm

http://en.wikipedia.org/wiki/Temperance_movement still in existence as MADD etc.
http://en.wikipedia.org/wiki/Temperance_%28virtue%29
http://www.wctu.org/