Our health insurance premiums increased this year. No surprise there, right?
Well, they went up 12%. And in January, after Henry's arrival, I switched to the family plan. So thanks to the increase and my need for the family plan, I am now spending over $20,000 a year on health insurance.
Yes, you read that correctly. TWENTY THOUSAND DOLLARS.
I also live in one of the poorest states in the country.
Something isn't adding up here.
I blogged a while back about how I was excited that my insurance covers IVF. Well, that's great and all, but I'm spending an arm and a leg for this fucking coverage. They better cover IVF!
So, I started looking in to individual insurance (versus group plans). I got an incredibly reasonable quote online from BCBS that would save us over $1,100 a month. And I applied.
Time was of the essence, as my open enrollment period is, well, this week. Ends on Friday.
I heard back today from BCBS. Buster and Henry were approved, but I was denied.
This plan I applied for doesn't even have fertility coverage! Why in the fuck would they deny me for infertility if they don't even cover the treatments I would need to help me get pregnant?
All of this is a crock of shit.
However, I think we are going to go ahead and move Buster and Henry on to their own plan, and keep me on my plan through work. We will save about $800 a month, which is awesome. But I'm still annoyed.