I called BCBS again to day to get the specifics of the policy offered to DD. It is not as bad as I remember. There is a $2500 Deductible and out of pocket max of $3000. So worse case scenario it is $6500. It covers preventative care 100%. There are no sick visits until the deductible is met. I have to submit prescriptions for reimbursement instead of the pharmacy doing it. And there is no maximum amount spent like the policy she has now, no coverage once $20000 is reached. This policy is $216 a month.
I also found a policy for DS. $3500 deductible but preventive care covered 100% and has 3 sick visits with a $30 copay. DD never goes to the doctor so this is fine. ER coverage is $500 our responsibility and the rest is covered 100%. It also has prescription coverage. This policy is $57 a month.
Both policies combined come to $273. Still $200 less than I am paying now. I am nervous about high deductibles but hospitals always accept payments.
I have sent my rep an email asking what we need to do to be covered March 1.
Health Insurance Decision
January 28th, 2013 at 03:32 pm
January 28th, 2013 at 04:45 pm 1359391527
January 28th, 2013 at 10:49 pm 1359413386