Health insurance woes
April 16, 2014 10:05 PM Subscribe
My last job had health insurance through a certain company I'll call WORST COMPANY, and they capriciously decided to be assholes about pre-certifying a surgery that my husband needs, as per my husband's surgeon (the surgeon is ready to go, he's been treating my husband for this condition for years now, and he says this is what's required. We've done all the conservative measures and they didn't help). We were fighting with them for almost a year and it was a whole big thing including trying to appeal to the state (which didn't work because then we found out my then-employer had a self-insured plan). It's a long story but please take my word for it that it was capricious and not our fault. I just got a new job and thought "Thank god, we'll start over with someone else." Except my two options are a high-deductible plan through OKAY COMPANY and a regular PPO through...........WORST COMPANY.
I don't want the high-deductible plan because even after your deductible is payed off (about $3,000 between my hubby and I) you still have to pay for 10% of your care after that, which could add up. And I don't want the WORST COMPANY plan because I want the surgery to actually, you know, happen. Which is the lesser of two evils? I know WORST COMPANY will carry over our medical histories, but will they continue to dig in their heels or treat it differently because it's a different employer? What should I do?