Doctor, Doctor Give Me the News
It's that time of year again - Benefits open enrollment. This year my company has decided to screw me over with new health insurance options. Yes, they dumped the cheap, I-Never-Visit-the-Doctor plan and replaced it with a plan that costs twice what I was paying. So now I can go with the company sponsored plan, fork out $400 more a year for something I don't use or I can dump the company plan and go with a plan non-company insured people can get (the same insurance I had as an independent contractor). This plan saves me $300 a year over what the company wants me to do. Yes, the benefits are fewer, but I never reach the deductible amount anyway because I don't go to the doctor.I want an insurance plan that pays for me if I'm seriously injured in an accident or contract some horrid disease or discover a chronic medical condition. Basically, I'll cover the first $10,000, the insurance can cover the million dollars after that. Why is this not an option? It's super cheap for the company.
HR sucks. A lot. And they tried to portray this change as how the company was helping me, blah, blah, blah. No, what they have done is completely hosed everyone at the lower end of the scale, so that they can get a discount for themselves at the top end.
They also know exactly zero about how to compare the plan I was on with the plan I can now get through them. They just refer me to some stupid proprietary tool, eValuator, to assess which plan is best for me. I know what plan is best for me based on their options, I want a side by side comparison.
I have two weeks to decide if I'm dropping the company coverage.
posted by E @2:36 PM