I love how blogging forces me to seek God about the issue I'm dealing with.
The search for a better insurance plan continues. The problem with ours is that its a "Limited Benefit Plan". This means that instead of having a deductible and the insurance paying 80% while you are responsible for 20%, you end up paying the majority of the medical costs and the insurance picks up only $1500 for major medical expenses. Because it is so limited, you can't make any deals with them. All my doctors will accept this plan, but it just ends up costing me out of pocket more than it costs them.
Now I have come to another hang up in finding an Individual Health Insurance plan (my office isn't part of a group plan, and the insurance offered to Josh at his job offers a group plan, but its the worst, as we now know). I can get on a plan through my office, but the Insurance company they use will not cover my heart at all. I do have the option of finding my own plan and my employer will cover part of it. This is what I'm trying to do. So, to the hang up with an Individual plan rather than a group plan: If I were to get pregnant (not that we are planning on that any time soon, but you never know what God might decide to do) we would have to pay out of pocket for all of those expenses. Apparently all individual plans in the nation do not offer pregnancy coverage. You can get pregnancy coverage through another company that provides only that, which is an additional $120 a month, however, if you get pregnant within 10 months of paying for the insurance, you will NOT be covered (Again, not that we are planning on getting pregnant in the next 10 months, but God does have his own plans, and we don't know what those are).
The search for a better insurance plan continues. The problem with ours is that its a "Limited Benefit Plan". This means that instead of having a deductible and the insurance paying 80% while you are responsible for 20%, you end up paying the majority of the medical costs and the insurance picks up only $1500 for major medical expenses. Because it is so limited, you can't make any deals with them. All my doctors will accept this plan, but it just ends up costing me out of pocket more than it costs them.
Now I have come to another hang up in finding an Individual Health Insurance plan (my office isn't part of a group plan, and the insurance offered to Josh at his job offers a group plan, but its the worst, as we now know). I can get on a plan through my office, but the Insurance company they use will not cover my heart at all. I do have the option of finding my own plan and my employer will cover part of it. This is what I'm trying to do. So, to the hang up with an Individual plan rather than a group plan: If I were to get pregnant (not that we are planning on that any time soon, but you never know what God might decide to do) we would have to pay out of pocket for all of those expenses. Apparently all individual plans in the nation do not offer pregnancy coverage. You can get pregnancy coverage through another company that provides only that, which is an additional $120 a month, however, if you get pregnant within 10 months of paying for the insurance, you will NOT be covered (Again, not that we are planning on getting pregnant in the next 10 months, but God does have his own plans, and we don't know what those are).
Comments
Post a Comment