Excluded From The Formulary

So all you pharmacy fanatics probably will love this as under a new quite controversial Cote family policy effective May 1st Grub Hub orders are now excluded from the formulary as it were. I love the hub but with 3 kids in college and one a few years away there’s a budget crisis looming. There will now be a 75% copayment requirement and the loss of any right to complain about me not doing your laundry without public shame. Delivery from Chipotle directly is covered because it’s delicious, but for cost reasons is now non preferred at 50% coinsurance and requires pre-authorization.  Getting me to pick up takeout will be on the non-preferred 3rd tier at 50% coinsurance, unless I’m already out driving in the vicinity then it’s covered at 25% coinsurance.  Grocery store pizza is 2nd tier with a $5 copay but only if I’m already at the store and if you make your own pizza there is no cost.  In fact, if you give me a slice and I like it, a value based bonus payment will be provided in the form of doing laundry once.  Tommy is appealing the policy, arguing that the Grub Hub ought to be an essential health benefit.  But he’s 15 without a job, so what does he know anyway?