Business ProfileforBanner Health

This is the worst Healthcare plan I have had since I retired at 65 and am now 75. Before changing last year from United Healthcare to **********************, I verified all the medication I was taking was in their formulary and covered. Being an older male I was diagnosed with low testosterone in 2016 and have been on Testosterone cypionate ever since. Every insurer prior to ********************** has covered this drug no questions asked. ********************** has denied coverage despite many appeals by myself and my Dr. ********************** was recently provided the 2016 diagnosis by and endocrinologist along with the supporting 2016 test reports that supported the diagnosis. ********************** in all its wisdom of course knows better than the Dr. and even with this information has denied the appeal stating it is not medical necessary. This drug is not expensive (goodrx has it for about $30 a month) so it not a issue of cost savings and the only reason it requires a prior authorization is that ******** has it as a class 3 drug.Don't be lulled into all the "we are here to help you" your going to hear when you get their pitch to sign with them. They are not "here to help you". If you decide to signup with them be aware that they can and will at their discretion deny drug coverage at there discretion and ***'t care that a Dr. has diagnosed and prescribed an rx. In my case I was fortunate to take a drug that is relatively low cost, in your case that *** not be true.I *** not know if Banner Health monitors reviews, but if you do, do not respond or contact me about my experience. I have said it all here and will not continue with you next year.