She is living with diabetes and uses
the Tresiba FlexTouch insulin pen.
Before the Texas Legislature created the healthcare nightmare for
retired Texas public school teachers, bus drivers, custodians, librarians,
nurses, classroom aides, administrators, maintenance workers, secretaries, and counselors
during the 2017 Legislative Session, she paid $45 for this prescription for
four boxes of pens. After January 1, she
went to the pharmacy to pick up her prescription. The clerk, who knew her, struggled to get the
words out of her mouth. Finally, her voice
cracking and her eyes doleful, she uttered, “It will be $1492.00”
As one might imagine, this retired
Texas teacher stood there, stunned.
Fourteen hundred and ninety-two dollars.
She could not afford it, so she left the pharmacy in tears.
She said she went home and could not
stop crying. She didn’t know what to do
because she didn’t have an extra $1492.00 lying around, yet she knew she could
not live without her insulin. Completely
distraught, she spent the remainder of the day sobbing.
(For those who do not know the
background--the Texas Legislature decided to increase our deductible from $400
to $1500 starting January 1, also forcing us to pay 100 percent of all
healthcare and prescription costs out of pocket until the entire deductible is
met. (Married couples must pay $3000 out
of pocket before one penny of theirs is covered.) After reaching the 100-percent-out-of-pocket
deductible, our new nightmare insurance pays 80/20. The Texas Legislature did this while keeping
all other state employees—AND retired legislators—on a plan through ERS
(Employees Retirement System of Texas, the other state-controlled retirement
system) with a $0 deductible for all healthcare, a $50 deductible for
prescriptions, and a $0 monthly premium.)
Now back to the story. A few hours later, this retired teacher
received a phone call from the clerk at the pharmacy. She had made some calls and was somehow able
to get the cost of the prescription reduced dramatically. I couldn’t help but feel a great deal of
admiration for this clerk, who obviously went above and beyond for her
customer. I also couldn’t help but feel embarrassed
and disgusted that Texas public school employees have been forced by the Texas
Legislature to resort to begging in order to receive the affordable healthcare we
were promised throughout our careers and when we made the decision to retire.
As I keep saying, what’s good for
the educator is good for the legislator!
Last week, I promised to provide you
with information on how the pension of a retired Texas legislator is
figured. I will use myself for
comparison:
ME: I taught in Texas public schools for 29 years. When I decided to retire, the Teacher Retirement System of Texas looked at my highest five salaries and took the average, which was just over $61,000. After 29 years of teaching, I would earn 66.7 percent of that average.
TEXAS
LEGISLATOR: According to Ballotpedia, Texas
legislators earn $600 per month. They also earn a $190 per diem while in Austin
or on official business. After serving only
eight years as a legislator, he/she can retire at the age of 60. If he/she wishes to retire at age 50, only 12
years of service is required. But wait! The Texas legislators’ pension is not based
on the salary they earn while serving.
Instead, it is based on the salary of a state district judge, which is $140,000. And guess who determines the salary of a
state district judge? You guessed it,
the Texas Legislature. (Retired Texas
public school employees—can you remember the last time we received a
Cost-of-Living increase? I’m sure you
can’t. However, September 1, 2013, the
annual state salary of a district judge increased from $125,000 to $140,000.)
Here is another comparison for you:
TRS
Retiree: If a TRS retiree wants to
return to work in a Texas public school, he/she is not allowed to do so for 12
months after retirement.
ERS
Retiree: If an ERS retiree wants to
return to work for a state agency, he/she only has to wait 90 days to do so.
My fellow retired teacher’s story
about the healthcare nightmare she is living is only one of countless stories
across the state. I have but one
question this week for Gov. Abbott, Lt. Gov. Patrick, and all of the Texas
senators and representatives who created this nightmare for all of us who
dedicated our careers to the children in this state: HOW COULD YOU?
My sugar meds went from $30 a month to $475 a month. Even with a 50% off coupon still over $200 a month. Had to call doctor, he changed my meds to one that was covered.
ReplyDeleteOne of my Rx medications went from $9/mo to $278/mo WITH a coupon. My husband & I have cancelled our blood work & all medical appointments knowing we will have to pay 100% until we have paid $3000 out of pocket. Before Jan 1st, our insurance paid 100% of our blood work and we paid a minimal copay for our medical appointments; not to mention the $350/mo increase in premiums.
ReplyDeleteCindy ~ I feel your pain. One of my prescriptions went from $65 for a 3-month supply to $1825.20 for the same 3-month supply! I would like to strangle our legislators, beginning with Rick Perry!
DeleteMy Rx this year have totaled over $2000 already. When I meet my (married) deductible, they’ll go down to “only” $400 a quarter ... until next January, when we’ll start over. It’s about $5000 a year. #sigh
ReplyDeleteAfter 32 years of being a teacher and counselor, I can't afford 3 of my prescription medications--two are for diabetes. One is $900 a month, one is $800 a month, and one is $700 a month...that's a combined total of $2400...$480 a month AFTER the deductible is met. The stress and worry about this issue is keeping me awake at night. I just turned 60. I'm looking at five years before I can see any assistance! Our legislators should be ashamed.
ReplyDeleteKaren Signor - I am so so sorry. It's shameful!!!
ReplyDeleteCindy - How could this have happened? How can they look themselves in the mirror, knowing what they have done to us? How can we just not get the medical help we need?
ReplyDeleteKaren (Morgan) Bratsen - Unbelievable! I was never a big Rick Perry fan, but he looks like a jewel next to Gov. Greg Abbott!
Scott - Shameful! Here's hoping you have no other medical needs during this year of nightmares!
ReplyDeleteMelody - I don't even have the words to respond to how shameful, how frightening, and how sad that is. How could they???
ReplyDeleteWhy don't retired teachers run for the Texas legislature, and governor, and Lt. governor? Why doesn't someone run on a campaign of helping teachers earn a just salary while working and retirement benefits equal to other professions? I believe that the state of Texas should pool all state workers in a health care system and retirement system. It could provide better coverage while saving tons of money.
ReplyDeleteA very talented and exceptionally qualified School Supt tried to win a house seat this past election and he was outspent by big money and lost the election. I honestly thought there were enough educators within that House District to elect him; but, either they didn't agree, or they didn't bother to go vote
DeleteOr they don't have a clue or are still too party oriented. You'd be surprised (maybe not) how many retired educators I talked with while volunteering for my state representative pre-primary believed Patrick's promise of a big raise, were satisfied with him, actually "liked" him, or was unaware of the movement to oust him. There are still a lot of educators that just take what is dished out to them. Hopefully for the general election more disgruntled voters will show up at the polls. Work to be done to get the word out. It is not painful to vote for "the other side." Vote what is right.
DeleteDuring Rick Perry's first campaign for governor, James Moore, one of the co-authors of "Bush's Brain," ominously predicted: "Rick Perry will make you miss George W. Bush."
ReplyDeleteWhen Greg Abbott ran, Mr. Moore warned Texas voters: "Greg Abbott will make you miss Rick Perry."
Abbott currently has a 59% approval rating.
It takes a certain degree of abject disdain for one's fellow human beings to collect a huge settlement when an accident puts him in a wheelchair for life and then turn around and vigorously advocate changing the law so future victims of similar tragedies will be precluded from receiving any compensation.
That encapsulates the governor of whom 59% of Texans apparently approve.
Yes, just ask my daughter.
DeleteIn private sector, we paid out of pocket till deductible met then 80/20 till out of pocket met. That is standard, big pharmacy is the cause, state employees can't change that only our congress can. Trump been on that with democrats clawing all the way. You want lower prices challenge the democrats to stop taking the money along with the few republicans. The swamp you hear about or some call the shadow government is the Monsanto and big pharmacies. What do you think it costs for all the Viagra commercials, they get it back at $100 a pill. Let Trump drain the swamp and we can get health car under control. Better yet get a bill that will let teachers sign up for Social Security. The Texas Health system and retirement system was mishandled and lost money (lost is when its put in others pockets). Just think Texas Teacher Association actually gives money to planned parenthood.
ReplyDeleteComrade you are wrong. Trump is actually trying to destroy what little healthcare you have left. It is not the dems that fight healthcare, it is the repubs. The point is the legislature can renege on promises they made, but after a teacher has retired, they are on a fixed amount. I know you as just a fox viewer will not hear these truths I am saying, but they still had to be said. You mention the mishandle and lost money, but I remember when TRS appointed of course by repub. gov, actually gave 350 million to prop up Enron two weeks before they went under. BTW, the teacher retirement fund is stable, the gov, and legislature want to be able to take the fund over.
DeleteTrump IS the swamp. Wake up!
ReplyDeleteOh my gosh...obamacare put us in this predicument!! Get a clue already!
DeleteAnd remember if you retired after 2005 (I believe) and you want to go back to work full time in the public education system be prepared to pay a penalty of 15,000!!
ReplyDeleteIn private sector, most have health insurance plans that include co-pay provisions. TRS-Care via Aetna for pre-65 TRS retirees does not; we have to pay FULL COST of doctor visits, urgent care visits, emergency room visits, & prescriptions, until we have paid at least $1,500.00 out-of-pocket deductible before the 80/20 starts to kick in.
ReplyDeleteI’m not a teacher but I am a state employee. Our deductible went up to $6,500! We have not had a raise in years. It’s time for a change.
ReplyDeleteI started planning my retirement and using the information I had from the state made my decision in the spring of 2016 to retire at the end of the 2017 school year. Little did I know that later that summer the state of Texas would pull the insurance I thought I would have right out from under me. One of my prescriptions went from a $65 co-pay for 3 months to $1450 and of course it was too late to rescind the retirement papers and go back to work. The insanity boggles my mind. If I had known I would have somehow gutted it up and finished till I turned 65. Patrick and Abbott are vultures.
ReplyDeleteThis is disturbing! But, as a private user, my deductible is 10,000. so, I just have found coupons or done without prescriptions. One eye drop was over $200. as was an estrogen cream. The pharmaceutical companies are to blame but our government leaders have no right to have separate and special insurance.
ReplyDeleteI'm neither a teacher nor a retired teacher. I think it's shameful that teachers are apparently respected so little by those in power. My only guess is that they prefer an ignorant electorate to keep them in power. I've recently been shocked that my insulin is suddenly not covered under my discount plan (BLINK HEALTH). Then I found out that BLINK was actually created by the Big Pharma giant ELI LILLY. They withdrew all of their insulin products from BLINK coverage with absolutely no notice to patients. I have no choice but to start ordering from Canada. Good luck, and thanks to all teachers for the important job they do...!
ReplyDeleteI am confused...My husband & I are retired teachers now on the Humana Advantage. We pay $135 a month each deducted from our Teacher retirement(we use to pay less) and we still pay about $100 each for Medicare. Our deductible is $500 each and our medications are a little cheaper than when we were on TRScare. We aren't happy with the change, but so far our experience is not the nightmare that some people seem to be having. Luckily we have not had any major surgeries or hospitalizations - that may be when the nightmare starts. Are there different teacher retirement medical plans that pay differently? We were both signed up for the lowest deductible when we were on TRScare. I retired in 2000 and my husband retired in 2013.
ReplyDeleteAdd insult to injury, my oncologist sadly told me he no longer accepts the Medicare Advantage plan that Texas Teachers have. He accepts regular Medicare, but the new Medicare Advantage plan from TRS pays the medical provider LESS than regular Medicare. When I received my claim info, my insurance plan paid him only $15.00 and didn't cover any of the lab fees. I hate our new medical coverage!! We pay more in monthly premiums, have higher deductibles, higher out of pocket limits, and receive less coverage!!! HOW COULD THEY!?
ReplyDelete