Wow, yesterday was such a worldwind. It looks like we will have to put this baby thing on hold for a while. DH has Lasik eye surgery for his vision last month. My insurance, through work, pays up to $2600 total; which they reimburse to us. The total surgery was $3200, so we would only have to pay $600 out of pocket...which is great!! Well, my company offers 2 insurance programs (standard and premium). Premium is the only program that pays for Lasik. When we had open enrollment in October, I switched to the standard plan to save us money out of each paycheck. We also switched insurance companies and of course the premiums went up. When comparing between the standard and premium plans, the only differences were between outpatient surgeries (standard covering 90% and premium covering 100%). Apparently, Lasik being covered only on the premium plan was the difference as well and I didn't realize it. No where on the comparing notes was that listed. We knew that DH wanted to have that procedure done, assuming it would be paid for. Well, after questioning the insurance company to why they denied payment, we find out that it is not covered under the standard plan. So, we know have to come up with $3200 before the end of year (care credit - same as cash for a year). That's $270 per month to pay it off in a year!!
Needless to say, this has definitely put us in a bind. I quit women's soccer ($70 for 8 weeks) and DH is looking to work part-time at Auto Zone.
No comments:
Post a Comment