I imagine what happened is that your deductible increased. this happened to us.
Our deductible has always been relatively low, this year it jumped way up. Same insurance company, same employer, same premium deducted from each paycheck, but insurance and the company claim that to cover the extras under the ACA they had to either raise the price of the plan (which they didn't) or raise deductibles.
Another weird twist is this, when we go to the walk in or ER, we have to pay the deductible, then the copay, and at that point the insurance kicks in. Before we just had a copay for each, so now instead of the walk in costing a 75 buck copay, it could run up into the hundreds, depending what is done. And instead of the hospital ER costing $250...I'd probably end up meeting my whole deductible in that visit seeing most ER visits run into the thousands of dollars.
Not crazy about the changes, but it is what it is, and it's better than no insurance.
In their defense the company set up a nopay clinic for it's employees. Not open after hours but during the week you can go to the company clinic, get paid for the time away from work, be seen by a GP, not a NP, and in many cases leave with your prescription. Spouses and children are also covered in the same way...but there again, it's no help after hours or on weekends, but if you can hold out through the weekend if you have to see a doc, there's a huge advantage. (has anybody else come to the conclusion that UTIs love to crop up on a weekend)
Our deductible has always been relatively low, this year it jumped way up. Same insurance company, same employer, same premium deducted from each paycheck, but insurance and the company claim that to cover the extras under the ACA they had to either raise the price of the plan (which they didn't) or raise deductibles.
Another weird twist is this, when we go to the walk in or ER, we have to pay the deductible, then the copay, and at that point the insurance kicks in. Before we just had a copay for each, so now instead of the walk in costing a 75 buck copay, it could run up into the hundreds, depending what is done. And instead of the hospital ER costing $250...I'd probably end up meeting my whole deductible in that visit seeing most ER visits run into the thousands of dollars.
Not crazy about the changes, but it is what it is, and it's better than no insurance.
In their defense the company set up a nopay clinic for it's employees. Not open after hours but during the week you can go to the company clinic, get paid for the time away from work, be seen by a GP, not a NP, and in many cases leave with your prescription. Spouses and children are also covered in the same way...but there again, it's no help after hours or on weekends, but if you can hold out through the weekend if you have to see a doc, there's a huge advantage. (has anybody else come to the conclusion that UTIs love to crop up on a weekend)
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