- 7 years ago
- Wedding: December 2011
So I guess I should be grateful that I have access to health insurance.
However, I am spazzing out.
I just dropped my employer-provided insurance in favor of my new husband’s, because it was getting close to the “qualified event” time period expiring. Darling Husband works for a very fancy company and they had great benefits (as recently as two years ago, their health insurance was FREE). Currently he has two benefit options he can choose from, a super nice plan or an OK plan with differing premium levels. He (we) have the super nice plan.
They are going into their benefits enrollment period for 2012 and the whole office had a big meeting with an HR rep today. The gist of it is that Darling Husband thinks they are now switching to a high-deductible-only plan. No choice, just this or no insurance. A $3,000 deductible, or nada.
I told him this can’t be true. Sure health insurance is getting expensive but they can’t possibly be taking all choice away. Granted most of the employees make bank (DH does okay, but not so well that $3,000 would be nothing). He’s not sure if there IS another option, but the high deductible plan is what stuck in his mind.
He didn’t bring the paper work home for me to read. He didn’t really pay attention, he brought some work into the HR meeting and kept at it while the lady was talking. He didn’t realize this was a big deal because he told me about it casually when I was cooking and his face gradually changed when he saw me hitting the panic button.
I don’t understand why he didn’t ask questions or pay attention at the meeting. He has a serious chronic illness and even with the NICE insurance his drugs alone cost $125/a month. Right after he told me, “yeah I think they are doing a high deductible plan ONLY next year” he grinned at me in his goofy way and said “I guess we’ll just have to not get sick eh?” Pal, you ARE sick already to the tune of $1500 a year in medicine, not counting specialists and tests!!! Pal, pregnancy is not an illness but it is expensive and we are not having safe sex!!! Why doesn’t he think!!??
In his defense I don’t think he really understands what a deductible is and what that means. His expertise is stocks and bonds and that stuff and not insurance. I didn’t raise my voice but I definitely “yelled” quietly if you know what I mean. This is our first major issue as newlyweds and I am worried I didn’t handle it well. We cuddled in bed for a little while but I still feel bad that I was too hard on him. He is going to call HR tomorrow to clarify whether there IS another option besides this one. My question to the bee is, does that seem normal – a $3,000 deductible plan as the only option? This is not a small business or anything like that.