Where is Flo when I need her cheery optimism???
October 20, 2011 3:03 PM Subscribe
I'm in the open enrollment period (also newly married) and am considering switching health insurance -- for the first time ever. I understand the fill-out-the-forms part, but I can't wrap my head around what that means logistically. What's the process? What should I look out for?
posted by Madamina to Work & Money (6 answers total)
I work for a large state university, which is also my alma mater and father's employer. I have had the same health insurance since age 10. I kind of hate the HMO and have often been tempted to switch, but I'm always stymied by the prospect of all the stuff I would have to do w/r/t switching doctors, etc. Also, trying to navigate insurance is my 100% least favorite thing in the world. I DO NOT UNDERSTAND.
When my husband got a new job/insurance, it took him a while to get in with a new PCP... and then it took him a while to get in with a specialist for something the PCP found... and I don't think I can wait that long for certain things.
So pretend I am Unfrozen Cavewoman Consumer here. Your insurance frightens and confuses me. Let's say I fill out the forms and this goes into effect in January. What happens?
--Medications: I have fairly simple prescriptions for an antidepressant and an ADHD drug. I see a psychiatrist for a med check every 6 months or so, but am currently between therapists (and fine with that for now). Do I need to stock up somehow? What happens to my six-month prescription at the drug store when I suddenly switch HMOs -- do I, or the doctor I'm leaving, call someone on January 2 and say, "she's cool; give her a refill" so my continuity doesn't get messed up?
--Picking a doctor: do I just solicit recs for PCPs from friends or whatever and then make an appointment for a physical or some other sort of baseline checkup? And with the waits I'm used to, how soon can I get in with a psychiatrist (see above) for an intake?
--Spousal benefits: he works for a private company which provides crappy Blue Cross/Blue Shield, but he sees people in the HMO I would likely join. Should I add him on my way-better state plan? If so, should he stop paying for his own coverage or keep it in case of emergencies? (I believe that we are allowed double coverage as long as he's not a state employee.)
--And then there's the fact that my job will technically end in June. Joy.