Some of you who are Facebook friends may remember a post I made back on May 10th:
We wanted something that could cover something weird like this and looked at 8 plans. Many had deductibles at or over $5000, which was way more than we wanted to spend in a year on out-of-pocket expenses. But the $500 deductible plan was $300 a month, way more than we wanted to spend on that. We narrowed it down to 2 plans, both with Regence, one with a $2500 deductible at $143 a month and the other with a $3000 deductible at $125 a month.
After some hemming and hawing we settled on the $143/month plan with the $2500 deductible. We knew we could afford $143 a month and if worst came to worst we could also afford $2500 a year in medical expenses.
People have asked me given Andy is in such a strong union, why didn’t I join his union’s plan?
A. We’re not married and don’t plan to be until we can afford our dream wedding.
B. More importantly, it’s $300 a month for your spouse and the coverage is limited at best.
One other important thing about this plan, we went into to it not planning to get a plan that could cover pregnancy since we don’t plan to start having kids for another 5-7 years, but this one comes with pregnancy coverage. I realize this is great because in the unlikely event we get pregnant (I get pregnant? I have no idea what is PC for this anymore) finding a plan that is reasonable while I’m already pregnant would be impossible. Pregnancy can no longer be discriminated against for a pre-existing condition, but coverage is still expensive and there is no way we could pay hospital bills and doctor’s visits out-of-pocket.
Coverage starts on October 1st for me! I am so grateful for this gift from Andy. I’m getting mushy here but his words were, “you’re health is important to me because I want you to be healthy so we can live a long time together”. Aw. I may have teared up at that.
So that was my experience! Not totally heinous, but not super easy. We’re lucky we walked away without having to give up a firstborn as it seems some health care companies want now.
Anyone in the market for health insurance? Do you like your current coverage? What do you wish was different about it?