We're trying to find a new health insurance plan. The one at B's work is going to go up soon and the costs are getting out of hand - plus our insurance sucks. I HATE our coverage. Although I doubt we'll be able to afford anything resembling good coverage. It's tempting to only get Penelope covered and then just hope neither Bryan or I get sick, but that's not being very responsible - we need to stay healthy too. *sigh* I really, really hate health insurance in America.
I'm actually hoping we can afford a Kaiser plan. I know that there are a lot of people who hate Kaiser, but I never had a problem with them when I was growing up - they're familiar & I like that. Blue Shield HMO (what we have now) is frustratingly slow...
Although we may save some money if we decline maternity coverage. If I get pregnant again we're going to go with our midwives, so I really don't need maternity coverage. Odds are that no matter what plan we go with the midwives would be cheaper than a hospital delivery anyway. Besides, I loved my home-birth and don't want to labor any other way (unless, of course, it becomes medically necessary).
Anyway - the whole thing is giving me a headache. I have to actually make some phone calls this week because I have NO IDEA what half of the terms means and what kind of coverage we actually need.
Being a grownup sucks sometimes :(
1 month ago