We switched to the HRA and now our prescription drug coverage has a deductible. Though in the marketing to compare and contrast the PCA and HRA, the literature said the RX coverage was the SAME! Bullshit!
I also have a very teeny tiny HSA to buy my big red boat one day.
The inequity is just wrong. We are still fortunate but now we are middle tier price-wise for medicine. If only I didn’t know others got the same drugs for less. Of course to get back into best tier status, We’d have to go to a PCA and pay much more in premiums. This is a racket I tell ya. And sad that folks have to go without due to this crooked system.
I wish I knew what to do to help.
As always, more to come.