I don't know what to do.
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|Sat, 01-28-2012 - 12:11pm|
So, if you pay attention to this sort of thing then you'll know that Hostess Brands filed for bankruptcy in early January. The company that makes Twinkies, Ding Dongs, and Mini Muffins is not fiscally profitable. They also make Wonderbread.
Well, my husband works for them. He's responsible for the machines that produce Mini-muffins. If you like Mini-Muffins then my husband is who keeps the supply going.
Anyway, my husband is a member of the union and the concession proposal came out this morning. The company wants an extra $60 per week for insurance AND wants to implement a drastic reduction in benefits. They're increasing copays and deductibles. The most upsetting to me is the change in maternity coverage. Basically, in addition to a $25 initial copay, I will have to pay between $15-$20 for ever prenatal visit. If you know that pregnancy is billed globally, then you know that it will be billed to insurance after delivery.
With our current coverage, I don't need to pay a part of every prenatal visit. However, the hearing regarding the concessions is Feb 28. If the bankruptcy court approves the proposal, then it will likely go in force quickly. SO, under my current coverage, everything is paid. If they switch before my little girl is born, I will owe for every prenatal visit and I've been seeing my doctor every other week since September. In addition, we're starting TWICE weekly visits next week. I will end up owing for over 20 prenatal visits if coverage changes between now and my baby's birth.
I wasn't exactly worried because we qualify for pregnancy Medicaid so I can get on that as a secondary and won't need to pay that crap. HOWEVER, another part of this stupid proposal says that if an employee's spouse or children are covered by another insurance or program, then the premium for family coverage will increase by a minimum of $900/year plus a surcharge for every member covered. Our total per year will be $1200, add that to the $240/month they are asking for insurance premiums and we won't survive. I can put myself and my kids on Medicaid and drop my husband's insurance because Medicaid will pay for everything BUT my Medicaid will be for pregnancy ONLY. 3 months after my baby is born, I'll be without insurance.
I don't know what to do. I'm stressing out and I know that's bad. My husband is going to shop around for another job so he can switch after the baby is born but for the time being it's not looking good for insurance coverage. I will need to stay on anticoagulants after she is born and that's $1000 per month.
In addition, the union is voting to strike and if that happens, I'll be without coverage. Normally, it wouldn't be that big of a deal but the timing of all this crap makes it such a disaster.
I normally don't worry, but I'm really scared right now. I just don't know what is going to happen.