We have Cigna right now but it's a sort of private branch off of it. It comes through my husband's work- we pay 340 a month for the both of us and my daughter (now age 17). I have a lot to say about this and it's considered a decent insurance. We have a $1500 deductible per each person yearly. Our doctor appts that are considered free or $20 are bogus. If you ask anything other then, "Give me my basic physical" it costs starting of 75 per sentence and to be even treated for normal things such as allergies, etc, costs us over 300 for an appt. My daughter's 'physical' covered under the pcp became hundreds for just basic treatments. I have been in the hospital now a couple times for heart issues and other problems. Luckily, the hospital had a fund to help but we still have a couple thousand dollar bill. I desperately need to see a Dr to get testing for issues that will become critical but just can't afford it, even with ins.
While this may not touch anyone here; my son is transgender. He now carries his own ins through this same company as he works with my husband. There is no transgender care. My husband and I have been paying several hundred every other month for his 3 month Dr check ups and labs, his medication and counseling, etc the past 6 years. The meds are at a reduced rate and are still hundreds each refill. With all the regulations and limitations that the government now imposes for transgender medical assistance (meaning non ins related treatments) they make a lot of money to have to pay all this for each step. Our insurance states clearly that no care will be given for transgender. On top of this, they go to great lengths to make certain that anything related to hormones or testosterone going to non transgender patients whom are covered are not covered for the dosages and steps needed for transgender injections. My son pays for ins that does nothing for him literally. He only keeps it to not pay the penalty for tax time. He has given up his chance at college (wants to become an emt) so he could continue affording his medical. He is also saving for his surgeries and getting close. We told him we would help out after he gets the surgery next year so he can go to college but he is adamant to not drain anymore from us. Our health is one thing and frustrating but watching our son has to go through is just beyond words. He takes testosterone weekly by self injection (or I help).
Frankly, we have been thinking to just take the penalty and give up the next period we are allowed to. Honestly, I believe if you can't get a form of medicaid or medicare then no insurance is really great these days. The penalty is around 1200 for the three of us. We could save around 3000 a year to pull out.
Last edited by DawnaRose; 10-05-2018 at 08:32 AM.
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