Chris is now self-employed, so all the wonderful benefits that the Fed. had to offer are no longer available to us :( Because of this, we need to purchase our own health insurance policy. This should be pretty straight forward, right? We are all very healthy, non-diseased individuals. What could possibly go wrong? I would think that insurance companies would LOVE to take our money.
Well, not so fast. You see, apparently Medica has an underwriting policy of denying coverage for a pre-existing condition requiring, gasp, speech therapy (30 minutes/week). Yes, they will cover the other nine of us, but not Raelea, with her apparently perilous health condition.
WARNING****I'm going to rant for just a few lines*****
What's with that????
For crying out loud (or is it four crying out loud - which is what happens occasionally at our house), it's not like she has some terminal illness that is going to cost them millions of dollars!!! Trust me, her speech therapy per month is less than our monthly premium. They would still be making a healthy profit on us. Grrr!
Okay, rant is over.
Just wanted to spread some cheer to all my faithful readers :). Rest assured, we will all eventually get coverage. We're applying to a different agency with better ratings on accepting people (BCBS of MN). I'll let you know how it all turns out.
I can only think of two downsides to being self employeed. The first is the health care aspect (we have BCBS, also...it's only a mere $10,000 a year for a $5,700 deductible for the 5 of us totally non-diseased Dugans). The other downside it the pesky matching FICA. Sigh.
ReplyDeleteOn the other hand, YOU GET TO BE SELF-EMPLOYEED! What a blessing that is. It totally makes up for the downside.
May God bless your new venture.
Yes, Linda, the positives far outweigh the negatives :)
ReplyDeleteAnd hey, they don't charge you any additional premium for over four or five kids, so I guess we get quite the deal :)
ugh. We've been there with insurance searching and bad companies. It is very hard to maintain patience during the process. This probably won't help, but we found a place you can compare all the plans available side by side. It helped us. I think it is ehealthinsurance.com
ReplyDeleteNice to know we're not the only ones dealing with insurance "issues".
ReplyDeleteYes, we are using ehealthinsurance and we LOVE it. Their customer reps are very helpful and friendly. I'm on a first name basis with them :)
Barb