GAH! I am so sick of this. We have a pediatrician that we love and trust. My work health insurance is astronomical in cost. To cover the family would cost nearly $1,000 per month. That's not a typo! So we go through DH's work. We got notification that his insurance is being cancelled at the end of the month. We're looking at the Obamacare plans and most of them just suck. Most of them you have to pay every cent before a $6000 or more deductible is met and then you can have a normal office visit copay. So basically you're paying the insurance premium each month AND you're paying out of pocket for any visits. What the hell kind of insurance is that? Highway robbery is what it is. So to get a more traditional plan it will cost us 4 times the amount we're paying right now through DH's work, though less than $1,000. Afforadable? Yeah, no.
So since he's being cancelled we have a little more time to try to decide what to do and check out our options. At S's 15 months well baby I discussed this with the doctor - not our regular one because I didn't set it up ahead of time enough - so this was a substitute doc - I asked her if we could do the 18 month appointment at the end of December so we could get it in before the insurance kicked out. No problem she says. We'll just have to come in for the one immunization in January and since it's only 1 shot it'll only be $20. Cool. I call to set up the appointment and they tell me they don't schedule the last two weeks of December. I am so sick of this crap already. We went through this when S was born because DH didn't have the good insurance selected so we had to wait until open enrollment to change it. We got private insurance and it cost us so much money and we never got any benefit from it. I am livid.
Thanks for listening!
I think I may have found a plan! It is the same thing I described but it covers all of the preventative stuff (well baby visits) at no charge and then the first three PCP visits per person is free and then after that you have to start paying the deductible. So, it's reasonable and gives us what we will use, barring any major injury or anything like that. I am still trying to find out if S's doctor takes this specific plan. Fingers crossed! It will at least give us what we need until we can get something better.