Long story short:
Husbeast’s employer has employees every single November go through a form online to choose their insurance plan. There’s no easy box to check that says, “JUST KEEP EVERYTHING THE WAY IT IS”. Of course the form can’t be straightforward and simple. Even people who are literate on how to read insurance lingo might have to re-read certain bits. Last November when they pinned down husbeast to do his thing, it was at work, in the middle of a busy day and there was a lot going on.
As a result, our deductible this year is $4,000. Once the plan is chosen in November,it has to stay that way until next enrollment period. No takesie backsies.
I can’t be mad at him. Shit happens. If anything, I think HR should make sure employees understand everything.
The deductible was very low before. I could schedule two well child visits and meet that deductible.
I’m currently having a ton of health issues going on and my 1st thought? “Oh. Maybe we’ll finally meet that deductible.”
How backwards is that?
I don’t have $4,000 to pay out of pocket but I’m totally willing to go have lots of lab work, an ultrasound,consultations,etc basically just so I can meet the damn deductible and have insurance cover our health care costs.
Backwards, I tell ya.
We have a flex spending account that we’ve already used up trying to keep on top of basic bills and prescriptions. My son’s very necessary meds are $240 each refill and daughter’s extremely necessary therapy put us on a sliding scale fee as soon as they noticed the change in insurance. It’s still $50/week out of pocket but it would normally be $120/week . Our co-pay before was $20. There have been times I wasn’t able to pay even that so the flex spending has saved our ass this year so far.
So,anyway…hooray. We’ve almost met the deductible because I’ve had to go to the doctor more in the last month than I have in the past ten years! Thrilling.
(But really, I am thrilled because it looks like I’ll have to have a wee surgery and overnight hospital stay. That sounds expensive. )
By the way,we’re amazingly fortunate to have access to quality mental health care in a practice that’s compassionate and does what it can to make sure patients get the help they need even when they can’t pay. This needs to be widely occurring. I was so afraid of losing my daughter to her debilitating depression. Mental health care saves lives and heals families. Why isn’t this a priority?
And speaking of medical doctors? I have gone to my regular doctor twice for some of the issues I was having . Both times she told me it was because I was getting fat and old. She told me that my body would adjust to the …changes? And this would all work itself out and normalize. Sure.
My symptoms have gotten worse. Guess what? It wasn’t just because I was fat and older (and I never thought it was). I have a largish uterine fibroid. Not only is it responsible for the atrocious periods and cramps (tmi,probbaly but I actually don’t have a period anymore…I’m just constantly bleeding), allll of the other symptoms I’ve had from my frequent urination to leg & back pain can be related to this one fibroid. Neat,huh? Also, the constant bleeding means my iron is incredibly low causing me a slew of symptoms, like shortness of breath and being constantly tired. Not old & fat related,ok?
Moral of the story here: Don’t let doctors brush off your symptoms and chalk them up to just age or weight.
Also: Planned Parenthood knows more than my general practitioner does and is amazing.
[this post was made possible by iron supplements and Planned Parenthood]