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Health Insurance Hell
Nov. 15th, 2015 12:52 pmIt's Open Enrollment time at work, and naturally it's been shrunk down so it's less than twenty days of super fun to sign up. Because who needs a full month to figure this out, right? Right?
Anyway. Because my job is... special... the rates have hiked considerably. Currently I have a Silver medical plan that I haven't used, like, at all. To keep that same plan, it's basically going to cost *does some math* about $15 more a paycheck. Which isn't awful when you look at it like that, but um, I kinda can't afford to lose that. My raise was NOT that much, okay?
So I'm left to figure out what to do. I don't have a doctor that I like (I can think of one that I'm probably not allowed near :P ) so that's not really a concern. I checked and basically the only differences between the various providers is whether or not I'm planning on picking up an addiction and seeking treatment for it next year. Otherwise, the Bronze stuff is all about the same (insanely high deductible, check) coverage wise, but it varies wildly in price. The only other possible difference (not counting which doctors are In Network) is if I needed home health care. One tells you up front how many visits you get (120) the other says see plan details. Which, uh, I kind of am trying to do, guys.
Since all my options are accepted at the three major hospitals around me, and I have no primary care doc that I'm attached to, do I just go with the cheapest option and call it a day? Do I spring for the slightly more expensive Bronze in case I find myself a raging alcoholic by July?
Meanwhile, over in dental, I do have a dentist I like but he's NEVER in network on anything I can get. Possibly in anything they offer us, honestly. This whole dental song and dance is basically just an excuse for this to mock me, really.
The vision has gotten trickier because the more expensive option isn't actually the best as far as I can tell. It's just more expensive. I guess the only reason to choose it is if your doc is available in it and I... am not loyal to anyone at this point so, enh. I'm more likely to go with the place that I last went only because I'm lazy and they should still have my file but otherwise... meh.
Which leaves us with the medical issue, really. What to do, what to do...
Anyway. Because my job is... special... the rates have hiked considerably. Currently I have a Silver medical plan that I haven't used, like, at all. To keep that same plan, it's basically going to cost *does some math* about $15 more a paycheck. Which isn't awful when you look at it like that, but um, I kinda can't afford to lose that. My raise was NOT that much, okay?
So I'm left to figure out what to do. I don't have a doctor that I like (I can think of one that I'm probably not allowed near :P ) so that's not really a concern. I checked and basically the only differences between the various providers is whether or not I'm planning on picking up an addiction and seeking treatment for it next year. Otherwise, the Bronze stuff is all about the same (insanely high deductible, check) coverage wise, but it varies wildly in price. The only other possible difference (not counting which doctors are In Network) is if I needed home health care. One tells you up front how many visits you get (120) the other says see plan details. Which, uh, I kind of am trying to do, guys.
Since all my options are accepted at the three major hospitals around me, and I have no primary care doc that I'm attached to, do I just go with the cheapest option and call it a day? Do I spring for the slightly more expensive Bronze in case I find myself a raging alcoholic by July?
Meanwhile, over in dental, I do have a dentist I like but he's NEVER in network on anything I can get. Possibly in anything they offer us, honestly. This whole dental song and dance is basically just an excuse for this to mock me, really.
The vision has gotten trickier because the more expensive option isn't actually the best as far as I can tell. It's just more expensive. I guess the only reason to choose it is if your doc is available in it and I... am not loyal to anyone at this point so, enh. I'm more likely to go with the place that I last went only because I'm lazy and they should still have my file but otherwise... meh.
Which leaves us with the medical issue, really. What to do, what to do...