I’ve been wanting to blog about this for weeks, but I haven’t had the mental patience to write it down.
I’ve been spoiled my whole life with excellent health insurance. Whenever given the option, we’ve had some sort of HMO insurance. I like HMO’s… everything is covered. Then a couple years ago, our big bad corporate decision maker decided that HMO’s weren’t a “good” option for the employees anymore. In the last couple years, I’ve had to make some tough decisions about receiving medical care. For example, after visiting an allergist to specifically narrow down what’s causing my allergies, I had to turn down the allergy shots that she recommended. Would the shots have made my life better in the long run? Absolutely, but the cost was too high to make it justifiable.
In November, I looked at our Open Enrollment Options and about had a heart attack. All three of our possible Health Plan Options had pretty much stripped away all our prescription coverage. If we were a family that doesn’t have high prescription costs, it might not be as painful…. but… as I mentioned above, I have allergies and asthma. The best asthma medicine I have found that really keeps my asthma under control is Advair (the purple disk). There is no generic yet for Advair. The retail cost for Advair is $246. Aetna, being the benevolent benefactor that they are, will only charge me the discounted rate that they get charged for Advair, which is right about $199. And Applied Materials, being the awesome employer that they are, is allowing us to set up a HSA so that we can pay for our prescriptions tax-free. Aren’t they just so generous and thoughtful? So now I can put $200 a month into a HSA just to pay for my Advair… the big question is, what am I going to have to give up to pay for my Advair? And that’s just one prescription we have…
I haven’t even brought up how high our deductibles are now. Eric fractured a bone in his foot 2 months ago and it may require surgery to fix. We really want to go to Disneyland over spring break, but our money may have to go to Insurance deductibles instead. Unbelievable! (Well, and Eric won’t be up to a week of theme parks if he has to have surgery.) So, if he does have to have surgery, I guess it will be a good year to have multiple medical procedures done, especially if we meet our deductibles in February!
Because of Eric’s broken foot, he has to walk around in this beastly boot. He complains about it, but I remind him that it could be worse. He could have a plaster cast. I have had one of those and they SUCK! But, back to the boot. He’s had to make two trips to Portland since he got this boot, and the airport security was a huge concern. When he walks through the security, of course the metal in the boot sets off the alarms. So, then he has to have a full body pat down, looking for dangerous weapons. But here’s the deal, he could be hiding a dangerous weapon down in that boot, and the full body pat down doesn’t even address the issue. Honestly, if they were serious about security, they would make him take that boot off and inspect it. Instead, they pat him down, which is much more humiliating than letting them search the boot. I just don’t get it. I’m starting to think that TSA is just a big joke, which isn’t really serious about security.
So now that I’ve vented this all out, I hope it makes it a bit less painful when they charge my account $200 for a month supply of Advair. Yeah, maybe, but probably not…