It's that time again. The time I want to go bang my head in the wall repeatedly.
Open enrollment for health insurance.
Not the greatest of topics, but I really am curious what some of you would do.
I'll try & make this a little less painful for you as it is for me, but I am honestly loosing sleep over it. What to do -what decision to make - what plan to go with. It's miserable.
First, I'll remind you - I've worked at my company for over 24 years now... & a few years ago, they took away our health insurance because it was 'costing them too much'... when we all suggested for them to let us pay our whole premium ourselves so the company wouldn't be out a penny. Just so we have a decent plan to deal with. Nope. No go.
So most of the employees are now without insurance at our work (notice I said "most"...don't get me started) & we have to go through this whole nightmare of getting insurance on our own.
It used to be, I could get insurance from a few vendors. I've used Humana, United Healthcare & Anthem... but now, since Obamacare & the nightmare that has been, the only option we have now is Anthem. Every one else pulled out of it. They don't even offer insurance anymore for an open enrollment. How crazy is that?
So... when you have no options, Anthem can feel free to jack up that price & even better? lower the care of the plan.
What are my options? Really - nothing. Get reamed over by Anthem I guess....
Except... I've been looking into Medi-share.
That's a Christian based plan that isn't 'technically' insurance - but works like insurance.
You pay a monthly "premium" (its not called a premium but uses another term in this plan) & you pick a 'deductible' amount - again, different terminology - but the same idea. & once you hit that deductible amount, they say they cover 100% of the medical expenses - as long as you go to the doctors under their network... which is the same as Anthem.
& the good thing, all my doctors are under their network.
As well as all the hospitals around the area.
& remember, with Anthem, I'm not allowed to go out of state for medical help. It all has to stay in-state... which wouldn't be a problem if I didn't work in Kentucky & do so much in Kentucky.
You'd think they'd have rules for people that are so close to state borders... but I guess not.
On Medishare, I can go to any doctor in the network regardless of state.
AND.... if I go with Medi-share, I'll save about $130.00 a month!!!! That's a lot of money.
I almost want to sign up for that & bank that extra $130 in a savings in case something horrible goes wrong - or to help me pay the $2,500 deductible if I needed it.
I'm just scared... Medi-share feels risky. Even though I know it shouldn't. It's just new to me.
The idea that you pay funds & it goes out to pay for other's doctor's bills every month is pretty cool to me- they even send you a statement showing who you paid for so you can even pray for them. I LOVE that...
but Medi-share can turn doctor bills down for payment if it doesn't fall under certain guidelines. Most of them, the ones based on Christian behavior, I'm not concerned about - its the ones that I'm reading about people say they don't pay because they consider it 'pre-existing'.
So here's a little breakdown
$420 a month
$2500 deductible - but once reached, still have to pay 30% up to $6100
Can only stay in state
Does offer a prescription card
$40 doctor visit - $500 ER visit - Specialist, 40% of office visit
Covers Routine exams
$280 a month
$2500 deductible - pays 100% after that (so they say... I'm so skeptical)
Can go to any doctor anywhere as long as in network
Offers a prescription card but its not a lot it offers - a friend told me she saves more using that app Good RX
$35 for any doctor's visit in network - $150 ER visit
DOES NOT COVER ROUTINE EXAMS
Here's the thing too - I've never reached my deductible in the past... oh.... maybe 10 years? Thank you Jesus no need.
I haven't even been to a doctor in the past 2 years for anything other than my routine exams....
which if you notice, it doesn't cover at all on Medishare.
The lady at Anthem told me, if you're going to pay for something, you should get something out of it, huh? ....coming from a insurance company that is great at screwing people over, I had to laugh a little at that comment.
The only doctor's visits I do every year are my OB/GYN visits for my PAP & mammogram - which neither would be covered. Colonoscopies are not covered.
I will say, I did look up how much a PAP & mammogram was out of pocket - it was surprisingly less then I thought it would be.
& sorry, the irony isn't lost on me that a Christian based company doesn't pay for things that an organization like Planned Parenthood does provide for a discount. ... we won't touch that subject... but yeah. Irony.
I just feel like its all a big gamble with your life & health. A huge roll of the dice.
Do I pay the higher Anthem fees & not once again reach my deductible & loose all this money? But stick with a more known insurance?
Or do I try out the Medi-share & see if it works for me & then risk if something happens to me health wise, that they will cover it?
I don't know what to do.
You can ask Ricky - I have asked his opinion about this at 3am when I can't go to sleep over worrying about it.
Is worrying a pre-existing condition?
If so, I'm screwed at either place.
Tell me your thoughts... PLEASE!!!!!!!!!!!!!!!!!!!!!
I'd love to hear them.
Know anyone that has dealt with Medi-share?
Anyone else struggling with health insurance?
Anyone have an aspirin for this headache from all the lack of sleep & head banging on the wall?
The deadline is looming on when I have to decide.... the grip is tightening around my neck... & my wallet.