ehowton (ehowton) wrote,
ehowton
ehowton

BRONZE Plan Lessons Learned


STRIKE ONE
Knowing I would have a new employer as of April 1st, I nervously gutted my healthcare plan effective January to save myself (literally) hundreds of dollars each paycheck. Unfortunately, state and federal taxes increased this slightly year, as well as upping my "taxable income" due to the BRONZE plan being less expensive. So while I'm now paying hundreds of dollars less for a much shitter healthcare insurance plan, I'm not actually seeing any of that money in my bank account.

STRIKE TWO
Second casualty of BRONZE versus GOLD level insurance is normally inexpensive recurring prescriptions no longer are. And they didn't go up by a little, they went up quite a lot.

STRIKE THREE
Paying for labs. Usually its just a co-pay and not a full-price activity. No more!

YOU'RE OUT!
Today I needed a quick-acting relief medication. My doctor called it in, and several hours later I went to pick it up. The BRONZE plan refused, citing they wanted to ensure - I shit you not - that the doctor had first considered other options. They offered to let me pay for it out-of-pocket, but as you can imagine, it wasn't exactly cheap. Although now that I know the price, it will be interesting to see how much BRONZE plans fucks me when they finally relent.

So in order to SAVE money, I have to pick the most expensive plan out there, and that's all kinds of messed up. I'll be going GOLD April 1st. Also? I'm thinking of dropping United Health Care and going back to Aetna. Even when I was GOLD with UHC they sucked a lot more than Aetna ever did.
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