I should've known.....

The wonderful world of Health Savings Accounts (HSA) plans for insurance is the work of Bushy boy and his friends. If you haven't heard of such a thing be glad. Be VERY GLAD. Basically we are now responsible for all medicines and all medical care out of pocket up to the amount of $4000. After we've already paid $4000 we have to pay 20% plus co-pays until a total of $8,000 then they'll so generously cover everything. The insurace company is saying that we get lower premiums for this plan. Gee thanks the whopping $13 a paycheck is really going to make up for it. We're still paying over $300 every two weeks for this crap.

We found out last night that (Thank GOD!) This doesn't include preventive medicine, well checks, cancer screenings, and immunization. So provided no one gets sick, no one gets hurt, no one needs to go to the Dr for brocitis (of course we'll now be waiting till it's pneumonia), and no one gets pregnant, we'll only have to pay out of pocket an extra $25/paycheck(or $650 a year). This in addition to what DH's company's kicking in ($1500 over the course of the year) will pay for DH's medicines and his quarterly Dr's appointments and blood tests, which we'd have to pay for. Assuming DH is able to change a few medicines to similar cheaper pills without adverse effects. His current medicines are over $300/ month and well that's 75% of our monthly food budget and that we really ain't gonna be able to do.

Can I just say I am so sick of how his company keep killing us with benefits? I SO cannot wait for him to get another job. I know easier said then done, but it just keeps getting worse, and part of me would love for him to leave them now, with really no one to step into his shoes. I know, I shouldn't feel that way, but still....... DH says he'll let them know his "fee" for hourly consulting if he goes, but I think their pride would keep them from calling him.