Athene Numphe (athene) wrote,
Athene Numphe

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A health insurance musing

Due to the options (and costs) given to us by my company for health insurance this year, lordaerith and I went with a High Deductible Health Plan (with a HSA), otherwise known as the "either we can't get sick or we need to get really really sick and hope the money is there" plan. I'm not a huge fan of it. We've always been on either PPOs or HMOs before. I'm not a big fan of private health insurance in general. I pretty much believe in this bizarre concept called "universal healthcare." But that's not really here or there.

Even though we've only been on our new plan for nine days, I've noticed a few shifts in my thinking.

I got a bit of thrush and broke out in a mild rash from the antibiotics I was on to combat the mastitis I got (when I was still on the PPO plan...I'm super curious to see that bill). Since I now have to pay for doctors visits and I knew that I could treat the thrush at home and dr. google told me the rash was normal, I didn't go in. I also canceled the ER doctor recommended follow-up visit with my regular GYN since by the time we got back to Texas the mastitis had totally cleared up. If we were on the PPO plan with just doctor co-pays, I probably would have kept the GYN appointment.

My company says that they encourage the High Deductible plan because it makes us want to be good little money-saving consumers. That we'll look for the least expensive places to get our prescriptions filled and stuff like that. Of course it's probably really because it saves them loads of money to make us pay for our own stuff. However, if that really is one of the reasons, it's having a different effect on me. Sure, it's making me more conscious about where I want to spend my money, but instead of in a cost reduction way, it's in a "what places do I really want to give my money to" kind of way. Right now we use Walgreens because it's convenient, but I'm seriously thinking of switching to a local compounding pharmacy. If it's all my money that's being spent, I'd rather shop local. I'm also thinking about switching my well-woman's care over to the Birthing Center where I had LP, if they take my new insurance. While my regular GYN is great, she's a bit far away now that I'm no longer a grad student and I really really loved the midwives at the Birthing Center.
Tags: birthing center, health, insurance, money

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