I am SO LUCKY to have health insurance through work. And yet somehow I always dread having to make my annual elections. It’s like saying, “okay, body, how much are you going to cost me this year?”
We have two plans each to choose from, in health, vision and dental. In each, Humira is covered 20%, which leaves a hefty co-pay, but luckily Abbott’s Rx plan helps out with that, so I’m not worried. Doctor visit co-pays can be high depending on which plan I choose. Do I pay $20 more per month for the plan where the doctor visit co-pay is $20, or go with the less expensive plan where the co-pay is $30? How often will I go to the doctor next year? I have no idea.
My company has had people coming in all week to give us advice on the different plans, but I feel like who I need most is a psychic. Will I have to go to the ER this year? Will the Humira keep working or will I have to try out another medication?
As though it wanted to remind me who’s in charge, my body surprised me last night with a trip down the stairs. Ugh. I’m so sore on my back, elbows, and everywhere else I hit. Expect the unexpected, no? I’m going for the pricier insurance.