We recently had to change insurance companies. For the past nine years, the fam and I had been on hubby's health insurance. I guess I was totally spoiled rotten with the good benefits we enjoyed. Since he was economic victim number 5, 457, 912, we had to get insurance through my job. Wow is all I can say.
Just wow.
The differences are startling. I have no idea how people survive with this so called health insurance. One would think that a public school district would at least add good insurance benefits. Humph!
It looked fine on the surface... but then I actually had to use it this week. No problem because I'm insured, right? Well, I called the insurance company because I noticed my copay amounts were not printed on my card. It turns out that there are no copays. Sounds good, right? WRONG! It is all deductible and coinsurance. So, where I used to pay a $20 or $25 copay and the insurance picked up the rest at 100%, this company had a $350 deductible that had to be paid BEFORE they will pay anything... even for an office visit! After that, I would still have to pay 20%. Now, call me crazy because this may be how it is for most people, but this is not at all what I have grown accustomed to. The really bad part is that, when I need to take Ryan or the girls to the doctor now, I will have to pay a deductible of $350 for EACH of them before the insurance pays anything for them. They do stop the bloodletting at at a cap of $1,050 (three individual copays for a family), but still. I think this whole thing stinks!
Is it just me? Is this what you have had to put up with? Have I just been too spoiled to realize that this is what insurance coverage has been reduced to?
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