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Health insurance fiasco

28 Jun

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.

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7 responses to “Health insurance fiasco

  1. joey

    June 28, 2018 at 8:59 pm

    Hard to “Like” it.
    I know how it feels though. I think what we pay for what we use is highway robbery and y’all pay more than our family of four. The best insurance we’ve ever had was military, Tricare. Honest to goodness, it’s one of the few things I miss. We will likely move to catastrophic insurance when we’re back to us two. But for you, well, that won’t do.
    So sorry you have to pay that ON TOP of having the health troubles to begin with!

     
    • meANXIETYme

      June 28, 2018 at 9:06 pm

      I nearly had a cow when we found out what the PPO cost at this job. I was only mollified because he did get a good increase in salary from the previous job. We’ve never paid this much for insurance ever…not even for awesome coverage with no deductibles!

      It’s robbery.

      And how the company treated their employees over this…it’s despicable.

       
      • joey

        June 28, 2018 at 9:51 pm

        :/

         
  2. marianallen

    June 29, 2018 at 9:49 am

    I’m outraged on your behalf. It’s almost as if … Oh, I don’t know … almost as if the company DOESN’T CARE ABOUT ITS EMPLOYEES. Furious for you!

     
    • meANXIETYme

      June 29, 2018 at 10:03 am

      Clearly they don’t care. It’s amazing how they turned on their employees and blamed them for the insurance costs and issues instead of the insurance company. You get insurance so you can use it when needed. How is that wrong?
      Why didn’t they try to find a different insurance company or plan??

       
      • marianallen

        June 29, 2018 at 1:03 pm

        Right! My husband’s work renegotiates insurance and changes companies pretty frequently to get the best deal possible for their employees. Of course, even the best deal has gotten progressively worse over the years.

         
      • meANXIETYme

        June 29, 2018 at 1:21 pm

        It seems to be going in that direction these past few years. I hate being sick and having health problems…I wasn’t given a choice. But sure, go ahead and punish me some more!

         

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