Even worse, I was comparing if my plan started now. If I started a new plan in 2014, the lowest cost plan is 50% MORE than I am paying now. That would mean that insurance rates have tripled in three years.
My company just switched insurance plans to a much more expensive plan for the full family option. It is more than $1,300 a month. I won't be participating, of course, since much cheaper plans are available individually. I wonder if my employer gets their kickback per individual, or is it just for signing up the company? If it is per individual, I will probably expect some retribution for not using the plan.
Anyway, I question how some of the lower paid full timers can afford this. After the cost of the insurance plan, dental and FICA, they are probably only going to be taking home a few hundred dollars a month at best.
"Fully covered" means that if your doctor doesn't administer it that your insurance has to pay for somebody else to do it. None of this 'The pharmacy isn't a primary provider so we won't pay!'.
Have you contacted your insurance to find out where they WILL pay for you to get the shots? Have you told them that your doctor refuses, perhaps against contract?
Well, it is far too late now, because I had to get the shots for my girls to go to school, but I did, in fact try multiple times at Walgreens where the insurance was refused. I called the insurance company and they specifically told me only the PCP can administer shots.
After hearing that, I attempted to get the PCP to give the shots, and she refused, as did the next 9 PCPs I contacted. I finally found one that would do the shot if we also did a well child checkup, so I resigned myself to the fact that I was going to have to pay $100 or more again for a service I had already paid for through premiums. Unfortunately, the earliest the doctor could see my daughter was after school started, more than two weeks away. When I went to the school to enroll they wouldn't let her enroll without the shot. I explained the situation and they told me that they had been telling people to go to the public health department and tell them we had no insurance because they wouldn't actually check. So, since I had really no choice in order to get my daughter into school, I had to go to the health department, stand in line for a couple of hours and lie. But it wasn't really a lie. I had insurance, but the contracted doctors refused to take it.
Here is a story from December of last year.
This story is a total lie.
No, it is the absolute truth. I'm sorry you don't want to accept it. Here is a link to an article that describes exactly what I experienced.
I still don't understand why anyone would turn to insurance for predictable expenses - that's like getting car insurance that covers gas and tires. Just seems crazy to me.
I don't. If it was up to me, I would have REAL insurance, ie Major Medical, ie High Deductible insurance. However, my company at the moment only has health plans. Since I am paying for this health plan, and since part of paying for that health plan includes paying for the coverage for vaccinations, then I expect to be able to use the service I have paid for.
If I had not paid for the insurance I would be both wiling and also more able to afford to pay full price for the vaccination.
Walgreen's and other facilities would do vaccinations, but my insurance would not pay because they are not a Primary Care facility. I would have to pay full price.
So basically, I have to pay for insurance which covers vaccinations AND I still have to pay full price for vaccinations, while if I were poor, I would neither have to pay for insurance nor pay for vaccinations.
To me, the fact that a Doctor can refuse to perform a service because they don't like their profit margin on it even though the AGREED to accept that amount in their contract, is BS. This is akin to a retailer advertising a model of TV for a cheap price, but not having ever even purchased any of said model to be sold.
I imagine in an electric car quite a lot of energy is wasted in presenting the user with how much energy they are saving.