The start of each new year brings changes. Lately those changes have been related to my health insurance. Two years ago my employer got a great deal on a crappy plan and they jumped at it. One year ago my employer got a less great deal on that same crappy plan minus a few little bits and pieces and increased co-pays. This year my employer got the same less great deal on a really pretty good plan, actually. There was one minor hitch, of course.
There is now a $3,000 deductible. THREE THOUSAND DOLLARS need to come out of our pocket as a family, before my health insurance, which I’m already paying MANY THOUSANDS OF DOLLARS for this year, will pick up a penny for anything beyond an annual physical and the associated routine lab tests. THREE THOUSAND DOLLARS before they will pay for any prescriptions, any therapy, any sick visits, any diagnostic tests at those sick visits, etc.
Clearly, I’m a happy camper.
We’ve had this visit scheduled since last October. It is the follow-up visit to discuss the potential ADHD diagnosis and the ongoing sleep issue, you know the one where he DOESN’T SLEEP, the one which is going drive me insane if we cannot get it under control…*deep breath in**deep breath out*….so we kinda, sorta, desperately need this visit out of pocket or not. It’s a 45 minute appointment. And it’s going to cost us…
Anyone want to guess?