Friday, February 05, 2016


My insurance changed again this year. My premium went down, but my out of pocket went up. I expected it to go up a little, and all things being equal, if I stayed out of a hospital setting my overall savings from the reduced premium would come to about 750 bucks for the year.
So I determined this would be the year I get a hearing aid. Because I cant hear shit.
But I ran in to a snag. One of my diabetes medications, the one that cost 30 dollars a month the last 6 years, ended up on a different tier with the new insurance.
And the price on this new tier?
Three Hundred bucks a month! The lady at the mail order pharmacy, she tried to console me.
“After you reach your Out of Pocket Max, that medication is covered 100%!”
But I didn’t plan on even hitting HALF my out of pocket for the entire year. Now it looks like I might hit in 8 months.
There went my 700 savings. There went my hearing aid. My medical expenses just doubled.
So I called personnel to confirm all this and see if there was a way out.
It was all true.
But when I told the personnel lady that my hearing aid I planned to get was off the table now, you know what she said?
“Mr. Bulletholes, Hearing Aids are covered this year. It pays up to the first two thousand dollars”
They havent been covered in the past.
So by financing 2000 dollars on a hearing aid, I met my Out of Pocket max, and basically financed the deductible. Hitting my Out of Pocket max means that the medicine that went up so much is now paid for 100% by insurance.
The bottom line seems to be that because the Hearing Aid was covered, my savings for the year increased to $2000 from 700 over the previous year, had I purchased the hearing aid without insurance.
My net gain was 1300.
I’m trying to figure out what procedure to get next year.
A hysterectomy perhaps?

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