My life revolves around my health and definitely my health insurance. And I admit that the health exchange has been somewhat problematic over the last few years, and every year has been weeks of stupidity to ensure that everthing is taken care of.
But, this year has raised the stupidity bar to a whole new level. Today was the sixth day of calls trying desperately to figure things out. I have been transfered at least five times, told to call the "other" organization several times, hung up on by mistake, put on hold multiple times, and told different things depending on who I was speaking with.
It appears that the insurance that I have been on for the last few years is not being offered in 2018 in my area. Oh, wait a minute, it is, but just not the plan I am on. And the letter that I was sent stating in writing that I was automatically transfered to another plan within that insurance? Well, no one could find that anywhere in their system, never mind the letter they sent. No, wait a minute, one person did see it, but still said that the plan is not showing up. No, wait, it is, but without a subsidy even though it is clearly written on the letter. "Please call the other organization because we are not sure and only see two plans for you, and that is not on the list." "No, you are definitely qualified for that plan, we are not sure what they are speaking of."
This went on for days...back and forth, back and forth.
Okay, then, since no one can get their shit together and my life literally depends on having insurance, what are the choices that you say I DO have? Well, the next explanation was that I can get a different plan through the insurance I currently have but it will cost me over $750 a month. Or, there is another one that I qualify for, but my most important transplant doctors at a major hospital do not take it.
I asked for the hundreth time why I was sent a letter that I am ALREADY automatically enrolled in a plan which is neither of those. Once again, no one could explain. No one could or would try to figure it out because in their system it was not there.
So, what do you do when time is limited and you must make a decision based on two really crappy options. Well, there really is no option if you think about it. There is no way I can afford over $700 a month for a premium and that's that.
The good news, if you can call it that, is that after more calls and research I found out that there is a payment plan and if I call the hospital financial department weeks before an appointment with the code and date they will give me a 25% discount. This is better than nothing. But, what happens when, not if, when I am sent to this hospital because no one at the hospital in my area wants to take care of me because I am "too complicated?" The 25% won't do much when the bills are thousands of dollars.
This is what it has come to. Being forced to choose from the lesser of evils and having another thing to worry about. This means I will be unable to do any of the things I was hoping to do next year because the money which is already so tight will have to be there for those payments.
Because it's not if, it's when.