Rachel Booth7 said:I have the same question. Does anyone have experience with Allianz, or should I look elsewhere? I don't use any Tier 2 medications daily, though I noticed Allianz allows up to two boxes of Tier 2 drugs for the same prescription. What would be most cost-effective if I am planning to get pregnant—supplemental coverage, something else, or nothing at all? Also, I need to run some tests; if I buy something online today, when does the policy actually kick in?
If you aren't entirely sure how much you'll be spending on Tier 2 drugs, you might be better off going with Unum for $22, since they cover the Tier 2 list entirely—or UnitedHealthcare does the same for $23.
From what I can gather, though, Allianz only covers up to two boxes annually for $22?
Theoretically, Unum seems like the best bet for $22; they even offer a 10% discount for signing up online, though I'm not quite certain regarding the exact start date for the coverage.