https://youlookfab.com/welookfab/topic/omg-open-enrollment Style Advice for Fashion Lovers en-US Thu, 23 Apr 2026 19:28:01 +0000 http://bbpress.org/?v=1.0.2 q https://youlookfab.com/welookfab/search.php https://youlookfab.com/welookfab/topic/omg-open-enrollment#post-1589622 Thu, 03 Dec 2015 14:32:09 +0000 Glory 1589622@https://youlookfab.com/welookfab/ <p>Glad you got this sorted Rachy </p> https://youlookfab.com/welookfab/topic/omg-open-enrollment#post-1589616 Thu, 03 Dec 2015 14:13:12 +0000 Traci 1589616@https://youlookfab.com/welookfab/ <p>I'm glad you were able to come to a decision, Rachy. &nbsp;I think you made the best choice.</p> <p>Windchime, unfortunately, this is the nature of our system. &nbsp;Most patients are not interested in paying out of pocket and will not stay with a doc if their insurance won't cover it, and they will be left with the bill. &nbsp;Insurance coverage is the #1 determinant in choosing a doctor for most patients. &nbsp;Those offices are just meeting people where they are. &nbsp;You could change that dialogue by starting your call telling them that you are interested in paying out of pocket and not worrying with insurance, however, there are still government and contractual regulations that would require them to still ask you certain questions about your coverage before they could even accept money from you. &nbsp;</p> <p>It is ALL far too complicated! </p> https://youlookfab.com/welookfab/topic/omg-open-enrollment#post-1589468 Thu, 03 Dec 2015 02:04:59 +0000 Windchime 1589468@https://youlookfab.com/welookfab/ <p>Sounds like you chose the best option to take care of yourself, given the choices. </p> <p>You have my complete sympathy. In my opinion, health insurers in this country have a ridiculous amount of power. And then there's actually calling to make an appointment with a doctor, and the first thing they ask isn't your name or symptoms, but what kind of insurance you have. It makes me angry every time it happens. It's the same as if the first thing I asked a prospective piano or organ student was how they plan on paying for the lessons. </p> https://youlookfab.com/welookfab/topic/omg-open-enrollment#post-1589397 Wed, 02 Dec 2015 21:37:33 +0000 rachylou 1589397@https://youlookfab.com/welookfab/ <p>Update: So decided to just let my current plan roll over. It's true - it's like you can't tell really what's what until it's too late, but switching to the next plan down didn't seem like there'd be any savings. All the co-pays skyrocket up. Going two tiers down, just seemed straight up unaffordable actually. The premium is lower, but you have to meet such a high deductible, which applies <i>to </i><i>everything</i>... seems impossible - plus, I'd be cut off from my medications, kicked off onto some ancient form of insulin and a (for me) liver-destroying statin. Healthcare is so too rationed in the U.S.</p> https://youlookfab.com/welookfab/topic/omg-open-enrollment#post-1589380 Wed, 02 Dec 2015 20:44:56 +0000 Anonymous 1589380@https://youlookfab.com/welookfab/ <p>I hope you get this sorted out, too! We took a long, hard look at our insurance plan a couple of years ago when my back pain was so horribly bad and we didn't know what was wrong. Turns out that the doctors we needed to see were also on the HMO plan we already had, so we didn't switch. Big $ savings! And our HMO is now paying for our oldest DD's upcoming jaw surgery and for our youngest DD's psych therapy.</p> https://youlookfab.com/welookfab/topic/omg-open-enrollment#post-1589260 Wed, 02 Dec 2015 14:22:11 +0000 abc 1589260@https://youlookfab.com/welookfab/ <p>So sorry for this, RL. &nbsp;I hope you get it straightened out and KUDOS to you for saying "duh" right back to that knucklehead. </p> https://youlookfab.com/welookfab/topic/omg-open-enrollment#post-1589225 Wed, 02 Dec 2015 11:15:25 +0000 Style Fan 1589225@https://youlookfab.com/welookfab/ <p>I am so sorry that you are going through this Rachy.&nbsp; Calling your doctor's office makes the most sense. </p> https://youlookfab.com/welookfab/topic/omg-open-enrollment#post-1588962 Tue, 01 Dec 2015 14:06:24 +0000 Gail 1588962@https://youlookfab.com/welookfab/ <p>Its a nightmare. My son is 26 and has to come off our plan he has been looking at rates that are crazy and ones he cannot afford. However we found something on our plan info that &nbsp;will cover until 29 if certain criteria are met.We are trying to investigate but no call backs yet &nbsp;grrrr. My sons job offers no healthcare , he is looking for a new job. <br />&nbsp;</p> https://youlookfab.com/welookfab/topic/omg-open-enrollment#post-1588961 Tue, 01 Dec 2015 14:06:01 +0000 Glory 1588961@https://youlookfab.com/welookfab/ <p>How frustrating! Hoping you get the needed information! </p> https://youlookfab.com/welookfab/topic/omg-open-enrollment#post-1588958 Tue, 01 Dec 2015 13:36:44 +0000 Anonymous 1588958@https://youlookfab.com/welookfab/ <p>"Oh &nbsp;Canada, my &nbsp;home and native land......" &nbsp;</p> <p>I hear stories like this and want to cry with thanks, at the same time feeling incredibly empathetic and sympathetic to struggles like this. &nbsp;Health care is a basic human right. I hope you get your situation sorted out Rachy. </p> https://youlookfab.com/welookfab/topic/omg-open-enrollment#post-1588918 Tue, 01 Dec 2015 06:08:40 +0000 Gigi 1588918@https://youlookfab.com/welookfab/ <p>Health care can be so maddening! You ask three different people about something and get three different answers. Honestly, it seems like you can never know anything for sure until after the fact and it is too late.</p> <p>I think Elle has a good solution. Your doctors will probably be on top of the insurance situation and can give you more info. </p> https://youlookfab.com/welookfab/topic/omg-open-enrollment#post-1588902 Tue, 01 Dec 2015 05:21:31 +0000 JAileen 1588902@https://youlookfab.com/welookfab/ <p>I'm sorry you're going through this. </p> https://youlookfab.com/welookfab/topic/omg-open-enrollment#post-1588834 Tue, 01 Dec 2015 02:50:10 +0000 Elle 1588834@https://youlookfab.com/welookfab/ <p>How frustrating. &nbsp;Your best bet is to call your doctor's office and ask which plans they accept. Good luck. </p> https://youlookfab.com/welookfab/topic/omg-open-enrollment#post-1588786 Tue, 01 Dec 2015 00:11:33 +0000 annagybe 1588786@https://youlookfab.com/welookfab/ <p>I work at hospital. We got a new option. But after hours of research, it's worse than my current plan, which isn't very good at all. </p> https://youlookfab.com/welookfab/topic/omg-open-enrollment#post-1588785 Mon, 30 Nov 2015 23:46:10 +0000 Dee 1588785@https://youlookfab.com/welookfab/ <p>I don't have any advice, but you have my sympathies! I am firmly convinced that insurance is the one part of adulthood I will never quite figure out how to handle effectively. </p> <p>Everything was so much easier in Canada... </p> https://youlookfab.com/welookfab/topic/omg-open-enrollment#post-1588778 Mon, 30 Nov 2015 23:11:46 +0000 rachylou 1588778@https://youlookfab.com/welookfab/ <p>Just had a screaming match with a customer rep. I just want to know if I switch plans, same carrier, if my doctors would be available to me still. He said all doctors aren't with all carriers 'duh' so I said 'duh' right back to him. So then he passed me to a new rep who says I can get access to plans without Obamacare, which is not true. Then he wants to know my income - but at my actual personal income next year, I will get blocked from plans and be made to go on county assistance, which is the same as no healthcare. And still, no answer as to the doctors... </p>