Monday, October 18, 2010

...I will survive...

Remember the old adage, "if it sounds too good to be true, it probably is"??? Well, someone needs to remind my DH about that. We are now possiby screwed for the next 11 months insurance-wise. We will survive, but it is going to be a rollercoaster ride. Literally.

DH changed insurance at work. Since I left the Credit Union in June, I am now on his insurance. Mike thought he was changing to the best policy for us. A high-deductible Health Savings Account Plan. Yikes...a $4000 deductible to meet!!! However, he assured me that after that deductible was met, that everything was covered 100%. The school district would contribute $2000 to his HSA, and we would contribute the other $2000 through his payroll deduction. What he understood (and stands firmly on that he was TOLD) was that we would have $4000 in our HSA from the beginning...that we were "paying back" the other $2000 via payroll deduction.

Fair Enough.

We go to Walgreens to get DH's prescriptions. Yes, he is on something like six prescriptions...and the three month supply cost over $1600. No big deal. The money is in the HSA, and we are that much closer to meeting our deductible. Next we go to Target to get MY prescriptions (they are doing the $10 giftcard giveaway with new prescriptions...could not pass that up!!!). $579 and change for TWO prescriptions, one month supply. My heart skipped a beat, but knew that we had the $4000 in the HSA and handed over the HSA debit card to the clerk.

Denied. Declined. Whatever you call it, the card was not paying for the prescriptions.

We called the bank that handles the HSA, and were told that there was only $400 and change in the HSA account. Really??? That did not make sense, so the next call was to the benefits department.

After what seemed like an eternity on the phone, it turns out that yes, the school district made a contriution of $2000, but the other $2000 is added as it comes out of the paychecks. It was NOT "fronted" and we are NOT "paying back". Right now, I don't have $579 loose, everything is earmarked. Money is a lot tighter since I went to a part-time position. I am not picking up these prescriptions, and I have no idea how we are going to meet this crazy deductible. DH should be okay, he only needs a little more before he meets his deductible...then everything of his will be covered 100%...while I go without therapy visits, visit with my psycharitist and most meds.

Until we get finances figured out, and get this deductible met, I am bracing myself for a rollercoaster ride. I am just going to take a deep breath and take it one day at a time.

My first day back on Weight Watchers and this gets the best of me. A bag of Peanut Butter M&Ms were tasty, but did nothing to make the situation better.

We will see what happens. Until then, I am gonna have to enjoy the ride.

Love to All.

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