We got the whole-megillah information on the new health insurance plans today.
It looks like, I can avoid the $70 monthly increase IF I drop back a plan level. But I don't know if I want to do that. Co-pays are higher, especially for specialists, the deductible is higher (I rarely meet it anyway), a few things I don't *currently* use are covered less or not covered.So I don't know. As far as I can tell, medication coverage is the same, and that is now unfortunately important to me.
I hate choices like this where I'm essentially gambling on what the future will be. If my health continues as it is right now, the cheaper plan would be fine. If I develop cancer or a scary autoimmune disease, maybe not.
I feel like I'm in that chamber with the Grail Knight and having to 'choose wisely,' but without complete information.
So, I don't know. There's an "information session" tomorrow but I had plans to go and do the field work I HAVE to get done then, so.....I don't know. It's so hard. They're supposedly going to video it and put it online for the folks at the distant campuses so maybe I watch the online video Monday.
I DO know I'm going with the high-rate ("expensive," but not much more than I already pay) dental plan. The likelihood of my needing another crown some day is good, and I know the co-pay is hairier with the cheaper plan. And there are a few bigger things the cheaper plan doesn't do.
2 comments:
I wish... that the amount you pay into insurance when it doesn't get used goes forward until you DO use it.
That would be nice, but I suspect the money you pay in that you don't use goes to help defray costs for others with the same insurance. For instance, I have medicine (one shot a week) that costs in excess of $17,000 every 3 months (thanks to price-gouging by the drug company as this drug has been around for many years and should have dropped in price rather than skyrocketing as it has). My insurance makes it affordable for me, and the drug very possibly keeps me functional, so if you're with my same insurance company, thanks!
I think that health insurance should not be a for-profit enterprise, but apparently, I am in the minority.
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