Oh. my. effing. STARS.
Our new health insurance SUCKS.
So, my company changed health care plans this year. And yeah, I kind of knew going in that we were getting a raw deal, but I guess I didn't quite realize how raw. I picked the more expensive of the two options they gave us (because with T's medical history, I figure that I need the best coverage I can get. Plus I was pregnant at the time, so I was thinking about L&D costs.) Even so (and this plan is more expensive than we used to have) I still have a $1500/person/$2500/family deductible. After that it's still only 80/20. Sucks, right?
Well, I guess today was one of the first times I have actually had to really deal with said craptastic insurance plan. T is on two different kinds of asthma medicine. Our prescription carrier insists that we mail order from them, so we get 90 day supplies from them. The last time I ordered a 90 day supply of both medicines was in late December, while we were still under the old plan. He's been on these medicines since this time last year, and in that time we have always paid about $130 for the 90 day supply of both combined.
Today, I went to reorder online, and thank goodness, right before I clicked the "order" button, I noticed the price.
For a 90 day supply of the two medicines - $1,344. :eek: I sh!t you not.
The reasons for this are:
1. I guess it's really expensive medicine
2. My new plan does not cover a single penny until I meet my 1500 deductible.
Under my old plan, they would split it - Let's say the bill from the doctor was $400 - the insurance company would pay some of that (like $200), and I would pay the rest, and the part I paid would go towards my deductible. Not so under the new plan. Perscriptions were cheap. It was okay health insurance. I miss it.
I called Medco, sure that their website had just made a mistake. Nope. That really is the price. According to them, they can't do anything because those are the terms of my insurance policy. Oh, and want to hear something funny - that price is for the generics. I thought maybe I had the fancy name brands. Nope, $1344 for the generics. I called UnitedHealthCare, and they basically told me to go eff myself because that is the plan my employer chose. I have a call in to T's doctors to see if there are any other medicines that we might try that might do the same thing but not cost more than a class at community college.
The good news (I guess) is that I have enough in my HSA to cover it (just barely) so he's not going to go without meds (not that I would let that happen regardless - I would beg, borrow, and steal before I would let him go without his asthma meds), and then we will only be about $150 away from T's deductible for the year. The bad news is that after that my HSA is wiped for the moment, and I still have $1000 of my own to reach the family deductible. Guess I'd just better not get sick or something. Maybe it's a good thing I'm not getting knocked up. We probably can't afford the medical bills. :confused:
Isn't it great how this ObamaCare has screwed us all? We couldn't even get health insurance through my husband's work. Their best insurance for the two of us was $600/month, and they don't cover pre-existing conditions! (We're both diabetics.) We were still within the 30 days cancellation, so we dropped the coverage. Thankfully, our kids are covered by state insurance, so it's not so rough for them. ((HUGS)) That is totally expensive.
Rachel, I think the Health Care Reform Act actually has very little to do with what happened to me - my company is a large national corporation that has always offered health care to all of its full time employees. I believe this actually has a lot more to do with maintaining the trend of record breaking profits at the insurance companies, the cost reduction efforts at my own company due to a drop in profits as a direct result of the downturned economy (our profits are directly tied to our clients sales volumes, so if our clients see a reduction in sales, we feel that reduction), and combined with insane prices being charged by the pharmaceutical companies.
Part of the Healthcare Reform Act stipulates that you cannot be denied or dropped from coverage due to pre-existing conditions, so that will probably help you and your hubby when it takes effect.
UGH. I am so freaking sick. As far as I can tell, here is what happened: some sort of completely vicious alien robot bug crawled up my nose and into my sinuses. Said alien robot bug (hereby known as ARB) then laid eggs in my sinuses. Enough eggs to stuff my sinuses to the very brink, thereby causing them to ache and even burn. Since the eggs couldn't all fit in my sinuses, they dripped down the back of my throat, causing a rather hellishly sore throat. The ARB eggs are now busily colonizing my joints, and possibly my brain. I expect that this will shortly turn into a Night of the Creeps scenario where I stagger around in a mullet and a varsity jacket looking to stick my slugs into some coed or her dog.
I called in sick to work yesterday, but since I have a kid to worry about, I have to horde my sick days jealously. So today, I compromised and worked from home. Depending on what is going on with my clients, "working from home" can sometimes mean laying on the couch and checking my blackberry every once in a while. This is not one of those days. This is one of those days with back to back conference calls and zillions of emails and random phone calls and fires to put out. And every person who talks to me that knows me says "Wow, you sound awful!" Really, I hadn't noticed.
Okay, I am off to go smear vaseline under my nose and to throw back some lozenges. Keep your fingers crossed for me that I am going be well by next week so that I can convince dh to knock me up this month. I look like death warmed over right now, so any seduction scene between us really WOULD look like a scene from a horror movie, complete with chasing and biting (hint: I'm the ghoul in this scenario.)
Oh yes, I'm back on that. I bought a pack of OPKs this afternoon - 20 for $18. I was psyched! I can just go nuts with them if I want to. Which is good, because I'm fairly sure that I'm not going to O for at least another 6 or 7 days. That's a lot of OPKs if you didn't buy them dirt cheap and in bulk.
Being pre-O, I don't have any symptoms to track or obsess over. *Sigh*
I ordered my son's medicine today. I still can't believe it. 3 months of asthma medications for the low low price of $1344. I can't afford not to! *Sigh*
That's about it. I'm boring today.
Alissa, I hope you wont mind that I'm commenting on your journal but I just wanted to give you a HUGE hug! I'm sorry you've been sick and it really sucks about the high cost of your son's meds! I've been really enjoying reading your journal. You have a great sense of humor and I feel like we could be great friends IRL. In fact, you've inspired me to start my own journal! :)
Yay, Jina! Of course I don't mind you commenting! Thanks for the kind words, and I agree, we would be great friends IRL. Can't wait to start reading your journal! Mary also has one in the TTC section that I often read. Speak soon!
OPK - (but a slight line was visible, unlike yesterday. Start of a fade in pattern?)
Pleasedonttellhubbybut....I spilled pee all over my bathroom counter. :eek:
Do you remember the OPKs I bought yesterday? Well, they are the kind you dunk, not the kind you pee on, which means that you have to collect your pee in a cup, yes? Well, the idea of this frankly grosses me out, but I decided to be an adult about it, and just go for it. I even bought a big supply of those clear plastic dixie cups like they give you at the obgyn so that I don't have to pee in something that we might want to touch again.
Also, for some reason these OPKs (unlike the ones I used last month) recommend that you use FMU.
FMU = 6:30 am = Alissa is bleary and not wearing her contacts.
Do you see how we're brewing the perfect storm here?
So, I peed in my dixie cup, and then I tried to sit it on the counter and open the cannister of test strips.
A note about that - the instructions have got me deathly afraid to have that stupid cannister open or to pull out a test strip even a moment before it is needed. The instructions even go so far as to say that the tests are only good for 30 days after you open the cannister, presumably due to the exposure to air. What I can't figure out is what is different between the air inside the cannister, and the air outside. Moisture?
Anyway, so I go to set the cup down and then whip open the cannister so I can whip out a test strip and then slam the cannister closed again. Somewhere mid-whip, I realized hat I had manged to knock the pee cup over, so now I have to leave the cannister open *gasp* so I can lunge to catch the pee cup. I caught it while there was still enough pee to test with, but now I have pee all over my bathroom counter and on one of my hairbrushes. Lovely. The test was negative, too, so not even worth hosing the bathroom down with body fluids. Drat.
I cloroxed the counter and threw away the brush, but still. Don't tell DH. He'll puke.
That is all.