Maxed out drug benefit explained
The reason insurance companies will never up your pharmaceutical benefit is that they would like anyone who reaches your $1500 a year prescription benefit level to switch to another insurance carrier. They are hoping to antagonize you into leaving them. Reaching the pharma cap is a good indicator of a person on whom they are less likely to profit. Their ideal customer does not use this benefit (or any benefit, for that matter) at all. Unlike someone who breaks a leg and has big one-year costs, but probably nothing the next year, those with chronic health conditions take meds regularly, and scare the bejesus out of the profiteers.
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