Health insurance has become a top priority in our life the last 6 months. Some days I sit and think about how we'd manage if we didn't have it. I know Frankie makes too much to qualify for any type of state assistance. We tried to get help for the $160 a month we have to pay a month for insulin & supplies and we were denied. I personally think it's really sad that we're busting our asses to make ends meet and we already pay almost $500 a month just for insurance, not counting co-pays and medications. I wanted assistance for the $160 we have to pay for insulin and diabetes supplies because I didn't want to have to worry about where the money would come from if we happened to come up short. I explained things to the lady and told her without insulin Kacey would die and she looked at me and said "Mam, I really am sorry, but your husband makes too much a month and there is nothing we can do to help you." The system SUCKS! There are people we know that are mooching off the system, lazy bums who don't give a flying flip about their kids, and they go to the doc for every ache & pain and get pain meds and then turn around and sell them for CASH! WTF is wrong with the system?!?! Grrrrr!
OK...so all that being said... I'm in a bit of a dilemma. Frankie's company isn't very stable right now. They've cut his hours to 40hrs a week. He went from working 60hrs a week to 40hrs a week....20hrs of time & a half....CUT! They've told them that NO ONE will get overtime for any reason. This really got me worried. So as things would have it, the job he applied for a few years ago with the city has now opened back up and he was called for an interview. He went for the interview and things look really bright and this would be a stable move for us. My biggest fear was switching insurance. The first thing he asked them was would Kacey have a waiting period for a pre-existing condition. Since we already have insurance then she will NOT :) Our insurance is nearly $500 a month now and we have United Healthcare. We will be getting Anthem and it will be $232 a month....thats HALF of what we are paying now! Right now we pay $20 for reg doc visits and $40 for specialist and with the new insurance it will be $10! So thats another savings. Same with medications...we will pay a significant amount less. Now here's my dilemma...I filled out all the paperwork for Kacey's pump to go through our current insurance which will pay 80%...leaving us paying $1200 or so for the pump. But I'm not sure what Anthem covers for the pump? I've heard 100% and I've heard 80%. If they are going to cover 100% then I'm thinking it will be in our best interest to wait another month or so before filing all the paperwork. I don't have the heart to tell Kacey this because I know how badly she wants the pump and how badly I want it for her. I'm just trying to figure out what our best interest would be to keep us from being stuck with more medical bills. Sometimes we have to think with our brains instead of our hearts and this is one of those times I'm trying to use my brain.
Does anyone have Anthem? How is the coverage?
I'm really scared to make this move but I'm scared if we don't make this move and the company Frankie works for decides to go under then he's without a job and we're without insurance and then we'd REALLY be in trouble. I need some advice here because I'm unsure and stressed over all of this! It's weighing heavy on me right now and I'm torn on what decision we should make.