Today SO went to a meeting for work & they informed him that they changed his insurance plan from a PPO to an HRA (heck if I know exactly what that means). Now we pay our weekly whatever for the insurance but this new company will only pay after we have reached $1,500 for the year! Meaning we pay out of pocket on EVERYTHING scripts, appointments, ER you name it but once we reach $1,500 they start to pay for everything!
Now the good part of this is his company has set up accounts with each employee & given us $1,000 to use towards this so after its all said & done we only pay $500 out of pocket. We still feel like this dosent seem/sound right! Granted the weekly rate went down by a few bucks but um still I'm not sure how this makes a lot of sense!?
I dont know I just feel like we are being taken for a ride ya know? We were thinking maybe we could get something cheaper if we dont go through the company? SO dosent really think so b/c he is in a group rate with a bunch of other people so we wouldnt get that discount. But what if we dont have the cash on us & our daughter has to go to the doctors? We are working on saving etc but the point of having it taken out of our weekly paycheck is to not worry about it to not have to make appointments around other bills to be paid!
I'm ripped, what do you think of all this? Is this how your insurance operates? Does this sound right/good to you? I just feel like they arent doing their job right or something (BTW nothing we can do about it world wide company & a few complaints from us wont do anything).
Answer by luvmygrlz at 3:53 PM on Apr. 5, 2011
Answer by meooma at 3:48 PM on Apr. 5, 2011
Answer by Anonymous at 3:52 PM on Apr. 5, 2011
Answer by bdflykisses at 3:52 PM on Apr. 5, 2011
Answer by matobe at 4:02 PM on Apr. 5, 2011
Answer by Anonymous at 4:04 PM on Apr. 5, 2011
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