It's a new year, and with it comes changes to my health insurance. My old plan paid for everything and I mean everything. Last year for my ICD replacement, the cost all together was $70,000.00, and out of that, I had to pay a whopping $10.00. There is one medication that I take that costs $7,900.00 a month. I pay nothing. So you get the idea. It paid for everything and I paid nothing more than $10.00. Alas, Obamacare changed all that. The insurance company discontinued my old plan and I had to take one of the “Obamacare” plans. And now my insurance costs out of pocket has sky rocketed.
The thing is, I was bitching and moaning about it to myself, and it was really annoying me, until the other night when I went to the pharmacy to pick up my last batch of prescriptions that we're going to be “cheap” before the new year.
I was at the counter collecting my multiple bottles of pills when I was all geared up to bitch and moan with my pharmacist about what I had to pay next year. When I got to the counter, he asked how I spent my Christmas and what plans I had for the New Year. When I said “… and my insurance costs are going to go up …”, he cut me off and said “Crazy right? My deductible is now $6,000 and my copay is 50%, and my wife lost her insurance”
I shut up. I realized that I had insurance and my out of pocket, although more than the last few years, was not as bad as I thought. There are people with no insurance still. And that is a scary thought. My medical costs are high, and I have insurance that my job pays for. I don't pay towards the premium at all. So why am I bitching and moaning? Because I am human and that's what we do. Just so long as we do it for a minute and get back to reality.
Did the new insurance laws affect you too?