I’m hoping that I can bundle several questions about health insurance here, as to avoid making multiple threads.

I’m looking to buy a new health insurance policy. I have been covered by the same one for nearly 6 years now (blue care network company policy), and am currently being treated for add. Here are my questions;

I’ve found a plan by Bluecare Network for about $130 a month, that covers just about everything I want. However, the prescription package has a calender year limit of $2500. After that I have to pay for it myself apparently.

I’m currently on 60 30mg adderall XR/month, and nothing else. I’ve called around, and found that while CVS would charge me over $300 out of pocket, my local independent pharmacy only costs about $150. Now, my question is-How do health insurance companies determine pricing when paying for prescriptions? Do they go by store price, or is it some kind of negotiated term agreement?
I want to make sure I don’t buy the policy only to find that it doesn’t cover the medication I need if I unexpectedly hit this cap because of high drug prices.

2. How do preexisting conditions come into play here? As I said, I have ADD and am prescribed medication for it. Would that be counted as a pre-existing, or would HIPAA require them to cover the condition because I haven’t been without insurance for over 30 days?

Thanks for any info offered!

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