I think I mentioned not long ago that my school district is looking at "helping" us save money on our health plans.
I already pay out of pocket $280 a month because the carve out amount the district gives us is about $800 to apply to whichever plan we want. Here is the kicker though-- I have one of the highest health plans. No one is forcing me to take that one. I have me and the kids on it (DH has his own).
Coverage is WONDERFUL. I have 45 speech visits, unlimited OT and unlimited vision. The plan we are considering switching to has a cap of 60 COMBINED visits between therapies and NO VISION therapy unless he had one of two distinct eye conditions-- he does not.
So I am super sad. Our EI is run by our district and we had a bad experience-- so its no good. As a district we are voting in two weeks to decide if we should take this health plan or not. It is so ridiculous because this health plan group requires 100% of employees to enroll or its a no go. So currently we have the choice between Premera and Group Health. If we choose this new group--- they have less plans and oh another convenient thing--- rate increases twice a year! I am just sitting here wishing for October to get here already so we can vote and I can start planning how the hell I am going to afford this or breathe a sigh of relief because we are able to keep our current coverage.
Vent over. I just needed to say it. I feel like either crying or hitting someone. Maybe both. Just like you guys, I want the best for DS. Right now I have an awesome schedule for him and its totally helping. Private therapies are the way to go if they are covered and you can pay the co-pays. I will let you guys know how it all pans out. I am hoping there are enough others that use more than bare-bones services that will realize that by cutting out medical options -- its like voting for a pay cut
That really sucks I hope you get to keep the good plan. DH's employer changed dental providers a few years ago (with much worse coverage), and so many employees complained that they changed back the following year.
ok so can you refuse and they wont get their 100%?
thats great coverage thats not very expensive (what you have)
Its a district vote. If the majority votes to switch-- then I have no choice and I will have to switch. Its the conditions set by the new company Yes my coverage is seriously the best. In 2013, our family medical bills totaled $30,000 and we only paid about $5000
That really sucks I hope you get to keep the good plan. DH's employer changed dental providers a few years ago (with much worse coverage), and so many employees complained that they changed back the following year.
They mentioned this is a possibility-- if we hate it we can revote next year. I just can not take the stress of thinking this may become a yearly drama
Re: Its a vent with a side of sad :(
Its a district vote. If the majority votes to switch-- then I have no choice and I will have to switch. Its the conditions set by the new company
Yes my coverage is seriously the best. In 2013, our family medical bills totaled $30,000 and we only paid about $5000