10/20/09: A hurdle?

So I checked the mail yesterday. And there was something from my employer. I don't know why but they always send a monthly newsletter to both my email and my house. I get to it when I get to it. So I threw the mail on my desk and headed off to make dinner.

After dinner, I went back and opened the large envelope to remove the newsletter so I could flip through it - and probably throw it away. But it wasn't the newsletter. It was a brochure informing my husband and I of what our health insurance options will be next year. It was a brochure discussing the merits of the two plans we will be able to choose from.

We currently have three plans and I have a plan that requires a copay and no deductible. My current plan will no longer be offered next year. My current plan will pay for the Lap-Band® procedure and requires a six month supervised weightloss program and a psych consult. I am two weeks into that six months.

The plans being offered next year will also require a six month supervised weightloss program and a psych consult. The plans being offered next year will also require a hefty deductible.

HEFTY.

As I sit here and think about it - that deductible is over half the cost of being self-pay.

So hmmm. My husband and I get to thinking. Can't speed up the calendar. Can't convince them "it's just not fair". So what to do?

My husband and I are both on my employer's plan.

So maybe we switch to HIS employer's plan. My open enrollment is the month of Nov and his is the month of Dec.

His insurance only requires THREE months of a supervised weightloss program.

So we shall see. We have more questions than answers right now, that's for sure - but because of financial reasons, this may get better, this may get worse, or this may get shelved.

I sure didn't see that coming...

My insurance is the except I don't have a co-pay, I have to pay every doctor or prescription until I hit $2100. I was just banded yesterday and I had to pay the remainder of the deductable plus every visit for 6 months at $60 a visit. I sure do hope this works because I have tried everything else