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Cacafuego posted:According to a recent article, the availability of wegovy and ozempic for weight loss (and the massive amount of overweight people frantically getting these prescribed) are absolutely destroying corporate insurance rates and will be for the next ~10 (?) years. I was kinda curious about that. I absolutely love that my company insurance is paying the $1600/month for my Wegovy, but I wonder if they are going to start clamping down somehow. (Or if we're gonna see a massive hike in our insurance rates come Open Enrollment time.) LanceHunter fucked around with this message at 19:06 on Sep 28, 2023 |
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Sep 28, 2023 19:02
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same for my wife's ozempic We're paying $30/month for it right now after insurance
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Sep 28, 2023 19:07
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Offset by disallowing chiropractors, please.
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Sep 28, 2023 19:07
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LanceHunter posted:I was kinda curious about that. I absolutely love that my company insurance is paying the $1600/month for my Wegovy, but I wonder if they are going to start clamping down somehow. (Or if we're gonna see a massive hike in our insurance rates come Open Enrollment time.) I don't know specifics, but the company isn't paying the full list price for these drugs. There are deals behind the scenes between the Pharmacy Benefit Managers, Insurance companies, and pharmacies. There are massive discounts for being on a plans formulary. It's like how Mounjaro wasn't covered by most PBM plans until July this year without a Prior Auth, then all of a sudden Mounjaro was covered by CVS/Caremark no PA needed. They struck a deal behind the scenes to make it a prefered medication on the formulary which means they're selling it to the PBM's cheap. If anyone know more details about PBM's and all that, I'm interested in learning more.
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Sep 28, 2023 20:30
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Baddog posted:Offset by disallowing chiropractors, please.
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Sep 28, 2023 21:23
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Powerful Two-Hander posted:Old job had "all balance from day one" and if you left midway through they'd pay out days up to whatever % of the year or you could just take them while in your notice period. worked for a company 10 years ago that did this; they had just changed to a policy of frontloading the annual PTO effective the january 1st of the year they let me go (in early Feb), and amazingly, they paid me out for a whole year's worth of PTO as I had no opportunity to actually use it by that point. it sucked to lose my job for doing nothing wrong at all but having a years worth of PTO paid out plus an extra two weeks of regular pay helped soften the blow somewhat.
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Sep 28, 2023 21:43
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evil_bunnY posted:Oh god, this so much Sounds like you need a crackin’!!
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Sep 28, 2023 21:49
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priznat posted:Sounds like you need a crackin’!!
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Sep 28, 2023 22:03
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evil_bunnY posted:gonna crack yer feckin' head Bad alignment will give you a cranky attitude that’s for sure
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Sep 28, 2023 22:05
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skipdogg posted:I don't know specifics, but the company isn't paying the full list price for these drugs. There are deals behind the scenes between the Pharmacy Benefit Managers, Insurance companies, and pharmacies. There are massive discounts for being on a plans formulary. It's like how Mounjaro wasn't covered by most PBM plans until July this year without a Prior Auth, then all of a sudden Mounjaro was covered by CVS/Caremark no PA needed. They struck a deal behind the scenes to make it a prefered medication on the formulary which means they're selling it to the PBM's cheap. PBMs and drug companies have a big scam going on where there's the list price that gets a discount, but after the fact the manufacturer pays a rebate to the PBM that is secret, and not necessarily passed along to the employer. A good negotiated contract for employers might result in the PBM passing along rebates of like 30% of the total amount the employer spends on drugs (imagine like $1,000 per employee per year in rebates), but no one really knows how much the PBMs are actually getting back from the manufacturers versus what they can pass along. Every so often someone in the government realizes how insane this is and tries to stop it, then it goes away. The IRA added some negotiation provisions but left this in.
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Sep 28, 2023 22:41
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LanceHunter posted:I was kinda curious about that. I absolutely love that my company insurance is paying the $1600/month for my Wegovy, but I wonder if they are going to start clamping down somehow. (Or if we're gonna see a massive hike in our insurance rates come Open Enrollment time.) skipdogg posted:I don't know specifics, but the company isn't paying the full list price for these drugs. There are deals behind the scenes between the Pharmacy Benefit Managers, Insurance companies, and pharmacies. There are massive discounts for being on a plans formulary. It's like how Mounjaro wasn't covered by most PBM plans until July this year without a Prior Auth, then all of a sudden Mounjaro was covered by CVS/Caremark no PA needed. They struck a deal behind the scenes to make it a prefered medication on the formulary which means they're selling it to the PBM's cheap. https://www.reuters.com/business/he...age-2023-06-27/ quote:Use of Wegovy for weight loss has risen to around 135,000 new prescriptions per week in May from 45,000 in the last week of January, according to Barclays Research, and is widely expected to increase further. https://www.cnbc.com/2023/08/09/wegovy-heart-health-data-insurance-hurdles-costs.html quote:The University of Texas System decided to ratchet down its coverage of those drugs dramatically, noting in July that the cost of covering the drugs under two of its plans is more than $5 million per month, up from around $1.5 million per month 18 months ago, when demand for obesity treatments was lower. https://www.reuters.com/world/us/us-employers-see-biggest-healthcare-cost-jump-decade-2024-2023-09-20/ quote:Of its projected 8.5% increase in employer healthcare costs for next year, Aon anticipates 1 percentage point coming from weight-loss drugs alone. There’s a bunch more out there, but I don’t think every company is cutting deals to get cheap weight loss drugs.
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Sep 28, 2023 22:51
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"Of its projected 8.5% increase in employer healthcare costs for next year, Aon anticipates 1 percentage point " While a 1% increase from one new medication isn't something to dismiss, that's a lot of percentage points coming from "people getting sicker and/or providers charging more and/or insurers increasing margins"
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Sep 28, 2023 23:01
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pretty dope that Americans need to spend billions of dollars on drugs to make them stop being fat
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Sep 28, 2023 23:46
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Iirc Denmark had to adjust their gdp reporting to specifically exclude the revenue from that drug manufacturer; quarterly gdp increase of 3.5% but without it it was like -0.5
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Sep 28, 2023 23:46
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It is pretty dope that there’s a drug that helps Americans lose weight, yes. I mean, besides meth.
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Sep 28, 2023 23:47
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in a well actually posted:It is pretty dope that there’s a drug that helps Americans lose weight, yes. Which only works if you're on it for life. And has numerous side effects. And is being prescribed in lieu of counseling and exercise. Yeah, dope!
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Sep 29, 2023 00:02
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car dependency is a hell of a thing
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Sep 29, 2023 00:25
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Motronic posted:Which only works if you're on it for life. And has numerous side effects. And is being prescribed in lieu of counseling and exercise. Actually as someone taking Monjouro and having had meaningful discussions with my doc about it, it’s one of the safest drug families there is. And any reasonable doc has had conversations with their patients about exercise first. You don’t need to be on them for life if you can use them to drop weight and then maintain your weight when you’re off it. Insurance is gonna clamp down hard though as it gets more and more popular, get yourself a script and fill up your fridges people!
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Sep 29, 2023 00:49
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I personally know people who have had their entire lives changed by these new GLP-1 medications. Folks that have struggled with their weight for decades no matter what diet or exercise program they did. These drugs are just shy of a miracle to a lot of people. In the long run these medications would probably save the healthcare system money. If you don't need a double knee replacement at 55 because of your weight, that probably pays for a lifetime of GLP-1 and then some. Preventing folks from going on insulin, there's a bunch of expensive medical treatments that can be avoided if people lose weight. This isn't the thread to get into all this poo poo though. Better question. Why does Ozempic cost 936 dollars here in the US but only 168 in Japan? https://www.cnbc.com/2023/08/17/weight-loss-drugs-cost-more-in-us-kff-says.html
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Sep 29, 2023 01:04
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That’s easy, legal drug dealers have way less scrouples than illegal ones.
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Sep 29, 2023 01:07
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skipdogg posted:
Most countries national healthcare apparatus negotiates a price for the entire country. Only in America are we free to pay significantly higher prices for all drugs.
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Sep 29, 2023 01:14
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Y'all are calling out to my cheapass side... "Oh my rates are going up because of this expensive medication? And it's covered 100% for now? I could stand to lose 20 pounds.... hmmm"
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Sep 29, 2023 01:26
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Does it just make you poop more? Sounds like some excellent workplace synergy
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Sep 29, 2023 01:55
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priznat posted:Does it just make you poop more? Sounds like some excellent workplace synergy The opposite actually. Glp-1 medications tend to slow down gastric emptying
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Sep 29, 2023 02:36
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Motronic posted:Which only works if you're on it for life. And has numerous side effects. And is being prescribed in lieu of counseling and exercise. How well has the diet and exercise prescription been working out for the last 50 years? I can believe that these drugs will actually lower health premiums over time, although it seems doubtful that the payers will ever realise that upside.
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Sep 29, 2023 03:22
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~Coxy posted:How well has the diet and exercise prescription been working out for the last 50 years? Don't they sell "single servings" of soft drink in the US that are almost a litre in size? Seems like some proscriptions are needed instead of prescriptions
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Sep 29, 2023 09:12
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Jenkl posted:Sundaes gonna be working Sundays if this keeps up. Just another manic Sundae
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Sep 29, 2023 14:03
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Atopian posted:Just another manic Sundae This is the peak for this thread. It’s all downhill from here.
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Sep 29, 2023 18:42
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Tnuctip posted:Actually as someone taking Monjouro and having had meaningful discussions with my doc about it, it’s one of the safest drug families there is. https://www.reuters.com/business/he...hts-2023-09-28/ This is not new information, it just happens to be yet another article on it that happened to be published yesterday.
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Sep 29, 2023 19:09
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Motronic posted:https://www.reuters.com/business/he...hts-2023-09-28/ Suicide bad. No numbers posted in the article, but I bet they’re way the gently caress less than any kind of anti depressant or anti psychotic. As was said before, no one wants to read a back and forth about this poo poo in this thread.
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Sep 30, 2023 02:41
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Tnuctip posted:Suicide bad. No numbers posted in the article, but I bet they’re way the gently caress less than any kind of anti depressant or anti psychotic. As was said before, no one wants to read a back and forth about this poo poo in this thread. Assuming that all the trial participants are Corporate Megathread enjoyers (and why would I bother to assume otherwise in the Corporate Megathread?) then I feel it stands to reason that any of those pesky thoughts are normal, regular, and immaterial to the trial. "Someday I will be dead, and [Megacorp] won't be able to hurt me anymore  "
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Sep 30, 2023 06:11
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Zarin posted:"Someday I will be dead, and [Megacorp] won't be able to hurt me anymore And then they'll really know my value once I'm gone!
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Sep 30, 2023 06:40
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Lockback posted:I can't find the leave button. Oh forget it. Croaking out "meeting.... adjourned.... you all get... 5 minutes... of your lives... back......" before falling out of my chair, dead. As the light leaves my eyes, I can hear Mort say to the call "hey, can you just stick around for a few minutes? I need to discuss something with you."
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Sep 30, 2023 07:32
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Volmarias posted:Croaking out "meeting.... adjourned.... you all get... 5 minutes... of your lives... back......" before falling out of my chair, dead. I wake up to the sound of fluorescent hums. I’m in a small, windowless meeting room. The table is overcrowded and the trash can in the corner is in danger of spilling its contents on the floor. A gaunt, bald man in a black suit is speaking when I wake. “We’re missing a few people, but let’s go ahead and get started. We’ll fill them in when they join. There’s no written agenda for this meeting; I delight in the sparks of creativity that come from a free wheeling conversation. Don’t worry, we’ll get some time back. I booked us for 1000 years but only need 850 or so.”
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Sep 30, 2023 15:54
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Democratic Pirate posted:I wake up to the sound of fluorescent hums. I’m in a small, windowless meeting room. The table is overcrowded and the trash can in the corner is in danger of spilling its contents on the floor. https://www.youtube.com/watch?v=5ThLeM1Bu9k
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Sep 30, 2023 16:16
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Cheesus posted:Something like this? Christ NMS that.
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Sep 30, 2023 16:20
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Cheesus posted:Something like this? we watched that episode a few nights ago -- incredible scene. 
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Sep 30, 2023 16:24
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When they introduced the first council member I got my hopes up that Joe Pera would be a member
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Sep 30, 2023 16:28
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Deadite posted:When they introduced the first council member I got my hopes up that Joe Pera would be a member Lmao. I just loved Hannibal’s “yeah but I wasn’t listening so somebody bring me up to speed please” That show gets the best cameos.
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Sep 30, 2023 17:38
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Cheesus posted:Something like this? aaaaaaaaaaaAAAAAAAAAAAAAAAA
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Sep 30, 2023 18:26
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