Who pays for the cost of switching medications?

Nine months ago I saw a new patient, a delightful 86-year old male. His past medical history included lymphoma many years ago, a stroke five years ago, dyslipidemia and hypertension. Medications included aspirin, a generic statin, and a non-generic ARB-HCT combination, which he had been on for years. He lived alone with a lot of support from his loving and attentive family. The patient looked great. I refilled his meds and checked a renal panel and lipids. Results were normal.

About three months later, the patient and I received one of those notes from the pharmacy benefit manager suggesting a switch from the ARB combo to generic lisinopril HCT. This would “save the patient $432.19” a year. The patient called: Could he switch? Sighing, I fixed what wasn’t broken, wrote new 30 & 90 day Rx’s and asked the patient to schedule an appointment to recheck his blood pressure on the new medicine.

Now, I’m not a brand-namer. According to my EHR, 80%+ of my prescriptions are generic; many of those are from the $4 list. I do wonder sometimes if my diabetics are eating Cheetos in line at the grocery store pharmacy waiting for their $4 metformin since they always come back for appointments a few pounds heavier. But I digress.

At the follow-up appointment the blood pressure was up. Medication? Diet? There was a trace of ankle edema. The patient felt a little tired. Sighing, I rechecked creatinine: up just a bit. Sighing, I stalled for a few weeks.

At the second follow-up, the BP was up a bit more, concerning with a history of CVA. No edema, but the patient was still tired and had a new non-productive cough at night.  He was very worried about a recurrence of the lymphoma. Sighing, worried about an ACEI-related cough I ordered a chest x-ray (normal) and increased the HCT just a little (with a new 30-day Rx). I checked a blood count and repeated the renal panel (CBC normal, Cre back to baseline).

At the third follow-up the  night-time cough gone, but he complained of a new daytime cough. The blood pressure was still too high. Sighing, I raided the sample closet for the original ARB and handed over a one month supply plus a 90 prescription if the cough disappeared. It did. At the fourth follow-up, blood pressure was back to baseline.

At this point, thanks to all that cost savings, this 86-year old had four office visits, a chest xray, labwork x2, a confusing mess of 30 & 90 day Rx’s, and you guessed it, was back on the original medication.

The PBM shows a cost-savings because, in fact, the patient was on a generic for a few months. The radiograph, the lab work, and all those office visits don’t show up on their bottom line. In the end, the patient is going to pay the extra $432.19 for the medication (and after all brouhaha isn’t interested in trying generic losartan).

Who underwrote the cost of all those office visits, labs, etc. ? All that money-saving?  Sigh, dear taxpayer. Those very real hundreds of dollars are on our bottom line. The patient has Medicare.

Victoria Rentel is a family physician.

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  • LeoHolmMD

    An infinite game of cost externalization where the real losers are the people they claim to be serving. Practicing medicine without a license by financially intimidating patients and administratively terrorizing physicians is causing real harm to patients. Prepare for health care costs to continue to soar as managers and politicians clown the whole place to pieces.

  • Ed Renfro

    Why was the patient started on an ARB instead of an ACEi in the first place?

    • http://pulse.yahoo.com/_UDJTUH45CFUC6LKCBLB6FGRDKU Diane

      Maybe he was switched from and ace to the arb b/c of the cough years ago?

  • PcpMD

    *shrug* – for every 1 case of this, I can give you a dozen examples of patients who joined my panel on exotic (read very expensive and no better-than-generic) combinations that did great after transitioning to cheap, safe, effective and readily available generic alternatives.  So it’s a pain at first.  It takes time, communication, a few office visits.  The patient initially doesn’t like the hassle (but would not want to actually pay for the conveneince of sticking with the combination out of their own pocket).  However, hudreds to thousands of dollars per year saved, x however many decades the pt will be using that medication?  That’s a lot of money, and given the desparate state of our country’s medical finances, IMO it’s necessary to at least try.  Maybe the time to put in the extra effort is up front, BEFORE the rediculously expensive alternatives are started in the first place.

    • Gil Holmes

      In general I agree. It is not directly stated in the story but I’d lay good odds that the patient couldn’t say if he had ever been on an ACE-I before and no records existed to say whether he had been or not. It was a new patient to her office after all. We’ve all played this game before.  Given full history it is easier.

  • http://pulse.yahoo.com/_UDJTUH45CFUC6LKCBLB6FGRDKU Diane

    I send a lot of these ridiculous letters to poor docs as part of my job. And I say ridiculous b/c it used to just be that formularies changed in January and July. Now they change any month, any time, no warning whatsoever. And when I send a letter, I do my best to let them know what alternatives the particular insurance might cover. This saves them time, helps us get a response faster and is just helpful on everyone’s part. But good luck on finding most of them. IF -And that’s a big if for most major insurances, medicare part D, Anthem, or even the State medicaid plans – you can find an insurance company’s formulary online, it is rarely organized in any type of logical, sensible order. Usually they are alphabetical and who has time to put in every alternative that way? The other problem is that they often only list the most common categories of meds, so you don’t even have a comprehensive list to begin with.

    Also, now Medicare Part D plans have this great trick of “transition” games they play, even for brand new RX’s. They will cover something 1 time then boom – next time, out of luck Charlie. Why even cover it the first time if you KNOW  you won’t cover it the 2nd time??????Recently, I called a state medicaid HMO plan several times and argued until I was blue in the face  with anyone and everyone about them not covering an “early fill” for an increased dose when a patient was being discharged from the hospital on psych meds. I was flabbergasted they expected the hospital to get prior auth for an increased dose OR the patient could have staying in the hospital using taxpayer money for the additional days it would have cost until that med could be filled “at an appropriate time”. But the PBM was saving it’s money! GOOD GRIEF!!!!I’m sure everyone has a horror story or two to tell. And with all the craziness of government setting the standards for healthcare and private insurance following their lead, there will only be many more to come…

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