Wednesday, October 17, 2007

Heavenly Health Insurance

We had a big meeting today at work because our health benefits will change Nov. 1st. I'd known this was coming since I signed with the company, so I was nervous and busy doing math and looking up tiered drugs and in-network providers and going through all the paperwork and thinking, wait a minute, this can't be right...

But when we went into the meeting, we found out that yes, in fact the paperwork was right.

Our new plan requires a $100 individual deductible, and then it pays 100% of in-network costs. 100% of prescriptions. 80% of out-of-network if you really want to stick with another doctor.

No, no: seriously.

100% of prescriptions and no doctor co-pay in-network.

This means, not only do I no longer pay my $15 co-pay that I thought was so fucking sweet, but I no longer pay the $70 per month in diabetic supplies.

I will no longer be paying healthcare costs of any kind except for the $10 per month the company takes out of my paycheck (so long as I stay in network, and yes, my endo is in-network).

Me and one of my work buddies went over the math some more afterwards. He has high drug costs as well, and we both just sort of looked at each other and went, "Holy fuck no shit this can't fucking be true."

It's like fucking socialized medicine.



Fucking Christmas.

No idea how long this will last (at least through next year), but living in Dayton just got a lot sweeter. I might make less than I did in Chicago, but add in the huge amount I'm saving on drugs and medical costs, and I'm easily making more than I did there.

We gave the HR Director a round of applause.

11 comments so far. What are your thoughts?

Jeremy said...

That is an AMAZING plan. Congratulations.

Amylia said...

Wow. As a t1 diabetic myself, I gotta say, I envy your plan. That rocks. People tout the teacher plans through public education school systems, but I've NEVER had a plan anywhere near that good.

I'm happy for you. As people living with a chronic illness like diabetes, we must consider such factors when deciding on jobs. I'm currently in Taiwan where you pay out of pocket for every test strip you use.

Kameron Hurley said...

Yeah, my work buddy said several times, "This is just too good to be true. There has to be something wrong with it."

Well, we get to test it out come the 1st of November, and I can't wait.

And yeah, Amylia, I love my job anyway, but this health insurance thing puts it over the edge. I hate Dayton, but with a great job that pays 100% of my health costs?

You just can't beat that. Anywhere.

Hannah said...



Jackie M. said...

Wait, how does the deductible work? You don't... have to pay that every time you go to pick up drugs, right?

Travis said...

Canada is Canada... no matter how you put it.. it's still Canada...

Dayton isn't all that bad once you get used to it.

And there still Has to be some kinda catch to it Kameron lol


La Gringa said...

Congratulations! That is awesome news. Finally, the fates have cut you a break. :-)

Kirsten said...

Yay! Woo!

Jackie M. said...

Travis, you are such an asshole lol :)

Kameron Hurley said...

Yeah, but at least he's good at SOMETHING... haha ha

Perpetual Beginner said...

Sweet! I thought my plan was pretty good, but that is a heck of a deal. Hope it pans out as good as it sounds.