Tamaflu is definitely not a life-endangering drug to have as an otherwise healthy 5 year old. Also, the $200 deductible (god that’s low) is a very predictable expense, so why didn’t he care enough about his daughter to save it?
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I can see some complaint that the insurance changed fees, so copay went from 10 to 200.
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Tamaflu _may_ reduce the 7-day cycle of flu to ... 6 days. But given the slightly elevated chance of death from flu, that chance being substantially less than risk of death while driving said kid to the doctor, he wants strangers to compel other strangers to pay for it.
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Tangent: In our culture of "reduce the fever!" imperative, I've found that (for flu) foregoing all meds and spending the night under a mountain of blankets solves the problem - exactly how the body is trying do (heightened temperature breaks down viruses).
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Hey, it’s the first day of the year and he’s on his way towards satisfying his deductible. He should be pumped.
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He's claiming that the Tamiflu only cost $10 for Kid #1, but ~$200 for Kid #2, but it's clear from what he says that it's purely about satisfying the deductible in a new coverage year. Basic budgeting will help you plan for likely events, so they should have had the money ready.
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To be fair, he does not even want tamiflu. The doctor prescribed tamiflu and he just assumed the doctor knows what they are doing. Perhaps if the doctor knew it would cost them that much they would have prescribed something else.
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Being broken by a $200 medical expense is just poor financial planning. We all know it's flu season.
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