Getting surprised by my deductible: medical decision coming up

Avatar for poorboy2011
iVillage Member
Registered: 10-02-2011
Getting surprised by my deductible: medical decision coming up
21
Thu, 01-05-2012 - 12:44pm

My employer changed our insurance plans, and now I have a much higher deductible. Before I picked my insurance plan, I did some calculations, because I'm becoming financially smart, right? The plan I picked seemed like the cheapest one for my needs. But then, as I discovered after the enrollment period was over, I have two deductibles, one for in-network and one for out-of-network, and they are summed separately. I wasn't aware of this last part about summing separately. That really changed the cost for me.

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iVillage Member
Registered: 10-01-2008

Since my onset of heart problems this year, the pacemaker, female health check ups and routine physical, I've been slapped with so many copay's and deductibles it's not even funny.

Norma


"Patience is the best remedy for every trouble"- Plautus


Community Leader
Registered: 08-25-2006

Boy, that is tough.

Serenity
iVillage Member
Registered: 04-10-2003
I'm really sorry to hear this. I have no advice. I live in Canada so I don't have to deal with the mess that you do in the US (aside from non-insured services like a therapist which is covered by my medical plans). Keep your chin up, hopefully you can find someone you can work with!

Bex -

Avatar for poorboy2011
iVillage Member
Registered: 10-02-2011

Thanks, guys. I am looking for an in-network therapist. There are more than 200 of those in my town according to my insurance company's site, but I know that quite a few of the listings are in error, are no longer taking patients, etc. I have some referrals, and I'll give them a try. The main thing is that you won't know until you've worked with someone whether he/she is a match for you. I am actually doing well for now, so I'm in no hurry.

iVillage Member
Registered: 08-24-2007
Mmm, po-boy sandwiches are yummy.

I don't have any advice for you but I wanted to offer my sympathies. I suffer from GAD (Generalized Anxiety Disorder) and have done the rounds with therapists. Finding a therapist who is a match is a challenge that many are unaware of. My insurance pays a maximum of $2,000 per year, which doesn't go very far. I finally requested from my doctor to see a psychiatrist (which is free because I live in Canada) and sadly, after sitting on an 8-month waiting list, it turned into a nightmare situation with a shrink who was verbally abusive. I went back to my general doctor, explained the situation and he suggested biblio-therapy (where you use books to guide you through the process). It's actually been surprisingly helpful, but it's a heck of a lot more work to read and counsel yourself as opposed to talking to someone.

In any case, just wanted to say I empathise complelely!! And I'm glad that you're in a strong place right now so that you can take time to figure this all out. You're feeling better, you're debt is going down and you now have 2 girlfriends (not just Amy). Who knows, maybe you'll be matched with someone wonderful from the dating website you joined?

Kate


empty purse

Avatar for mahopac
iVillage Member
Registered: 07-24-1997

I hear you on all counts.

Avatar for poorboy2011
iVillage Member
Registered: 10-02-2011

Thanks for the support, Kelly, Kate, Norma, Bex, Serenity, and anyone else I migtht be forgetting. Some of you have had it worse than I, and that helps convince me that I can find my way out eventually.

iVillage Member
Registered: 12-10-2009
I feel for you. Our insurance is similar is the two deductibles it is also seperate for each individual in our family which was 4 last year and now 5. We probably spent 6000 last year w/pregnancy and normal life and kids things. It only started to pay off once we started ti see counselors the end of the year. This year we opted for a more expensive plan so hopefully the gamble will pay off. With therapy alone I think it will and we will maybe have a few procedures done.
Anyways my condolences for a crappy halth care plan :(

Liz

student loan paid off 2010

Bathroom remodel loan paid off 2013

Pending Car loan to be paid by the end of 2014!!!!!

 

iVillage Member
Registered: 11-14-2008

Alright, I am giving my opinion, even though, you may not like it PB.

I have read a lot of your posts, which I enjoy reading, and have come to a few conclusions.

Avatar for poorboy2011
iVillage Member
Registered: 10-02-2011

Karen, you are right. Ever since realizing how much I was going to spend, I've been feeling anxious. (In fact, I suspect my mood improved because I've been taking control of my finances and making progress on getting rid of my debt.) I'm doing some calculations to see how much I can afford, and it may take a bit of time before I can come to terms with my financial limitations and make the best decision or compromise. It helps to talk through it.

Sometimes in pursuit of a vibrant life, my eyes get bigger than my stomach. The effect of a prolonged illness is to make you seize the day with even grater ferocity to make up for lost time. I have to find some sort of balance, I suppose.

One more item to worry about: what to do if I go on dates/meets? I'm not sure how to look at this financially. I don't have a category in my budget for dating. Maybe I can put the expenditures under the "misc" column. For cat's sake, I don't even know how to look at online dating. Yes, I'm getting cold feet. Maybe you guys can come with me?

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