RSS

Monthly Archives: June 2018

Health insurance fiasco

I’m still not doing well. I’m posting from my iPad because I have to vent and I don’t see my therapist for another week.

We get health insurance through Hub’s job. Always have…and we are picky about the jobs he takes because of my health issues. We always try to get a PPO so I can pick the doctors I see, since I have complicated issues. In the past few years, the job offers that Hub has received have come with progressively worse health insurance options. He turned down two jobs because they didn’t offer any PPO (or POS) plans.

The company he settled on this past December offered a PPO with a 500$ per person in-network deductible, and 1500$ per person out-of-network deductible. That’s high for us, but he was able to negotiate a higher salary to cover the extra expense. Sadly, we are paying a LOT for this plan…the other plans were 1000$/3000$ plan and a 1500$/6000$ plan. Per individual, remember. That seemed outrageous.

The company’s policy renews August 1st, and we just got the new plan info. They are offering a catastrophic plan, and the 1500$/6000$ plan. That’s it. And for the privilege of getting the non-catastrophic plan, we are paying $70 more a month than we are now. We are getting less coverage, higher copays, higher drug copays, higher deductibles, all for more money.

And even better, the company is blaming the increase in costs and reduction in options on the employees using their health insurance this past year. Literally, this is what they just said during the open enrollment meeting.

What. The. Fuck.

As if we aren’t stressed enough. As if we didn’t hate the current plan…it already gives me distress to go to the doctor and get tests done when needed. It already upsets me to go to therapy and see that money going out of our account. Six thousand dollar out-of-network deductible.

If it didn’t make me feel a thousand times worse I would be sobbing hysterically.

Advertisements