The time has come: select your 2018 healthcare plan. I was hoping to post pictures from the brochure, but DH’s company decided to make the entire background of the chart a watermark with their name and logo.
Here’s what we currently have for coverage:
Ouch. I’ve mentioned before that taxes and insurance take 40%+ of DH’s paychecks and I wasn’t exaggerating. Here’s this weeks paycheck…
Net Pay: $985.07
It’s depressing to see his decent salary be eaten up by scamsurance. I was hoping 2018 would be more affordable. Ha!
OUCH!!! Now right off the bat, the deductibles are much better next year. The premiums are higher. With every thing going on with my youngest, option 1 was a better fit. I know we’d hit the deductible quickly with his specialist appointments, and 80% coverage would be amazing.
However, it’s going to take a bigger bite out of DH’s take home pay. Sigh. When DH got to work, he logged in to select the Option 1 plan. Guess what? It’s unavailable for his location. Yup! Option 1 has been replaced by Kaiser!!! We refuse to use Kaiser after getting screwed by them years ago when I had my first child. Not to mention, we’d have to switch all of my youngest’s doctors, and there’s no way I’m doing that. Option 1 was not an option. I raged quite a bit after finding out this information.
We’re stuck with the 60/40 plan, again, and it sucks. I’m not sure how the hell I’m going to budget in the new year. I’m struggling right now as it is. The marketplace was no better, premiums were $1900 and higher with NO subsidies.
I’m not happy at all, but what can you do? I was tempted to fire off a nasty email to the CEO about these outrageous plans. I’m sure he wouldn’t care, what with his $18mil bonus, why would he? None of our friends or family have 60/40 plans, everyone is 80/20 or 90/10. At least the deductibles are better…
I had a meeting with a social worker at the children’s hospital today regarding insurance and finances. It was eye opening and depressing. She even commented on our awful insurance plan. If I could self-pay, I’d have more money in the bank, and the same care. Since we have private insurance, we don’t qualify for self-pay, since we’re “in the system”. PT for example. Starting January 1st, with a reset deductible, every visit will be $696. However, if we were self-pay, the visits are $65. You read that right! All thanks to insurance. What a scam.
On top of this stress, I’m battling a nasty head cold. The kids passed it around and I’m the last one. A hot bowl of soup would be great right about now!