Damn, I'm good.

[luciab]

Holy shit, what a day I've put myself through. I undertook to analyze which insurance plan I should purchase when my state insurance runs out. I started with the simple step of setting up a spreadsheet listing the 8 options readily available, with the cost per month and the deductibles. Then I multiplied and added to get the total cost per year. That was my first big surprise-- bigger deductibles do NOT mean bigger savings. On the contrary, the bigger the deductible, the higher the cost per year.

There are, however, two different plans, and I had to compare them, too. At first glance, Plan B cost less, since it has more limited coverage. By the time I considered the relative co-pays, there was little if any difference between the cost of the two plans, and Plan A covers 80% of hospital expenses and preventive services, versus 70% for Plan B. (Not to mention Plan 9 from Outer Space.) So if the extremely unfortunate occurred and I had to go to the hospital for anything, phfft! There goes the difference.

I am inclined to go with Plan A, even though it's theoretically a tad higher per month. Realistically speaking, depending on whether/how often I have to see a doctor, there might be no difference at all.

Gone are the days when I could wing it with no insurance at all. Not with my beloved Imitrex costing about $400/month. Nope, this getting old is a pain. So to speak.

Best of all, it appears that, depending on scholarships and grant money, I should be able to afford to live next year while in school. Always a handy thing to know.

The happy news is that I'm going to dinner at Livia's tonight. Whee! And I get to meet the elusive hubby. Maybe I'll take some dessert. Heh.

Comments

[luciab.livejournal.com]

Nah, I was just looking at BCBS. I figured I needed to do that for comparison if nothing else. I was thinking that UK, for example, had a clinic but I don't think they covered meds. I need to check on several things on campus soon.