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Let me first say that I know that I'm very lucky to have health insurance at all, given that I'm diabetic. Still.
So, the healthcare that we have through my work is "Great-West" healthcare. We're on the east coast. That's strike one.
We changed primary care physicians, now 40 minutes away, to be covered. Strike two.
I went and saw the only "in-network" psychiatrist, to help with the anxiety, and left his office in tears. Strike three.
So, I decided to go to a non-network provider. They cover 50%, it will be kind of expensive, but... better than nothing, right? I was at a point where I needed help.
Got my statements today that it's covered at 50%, blah-blah-blah. Great. Since I've already paid, where's my check for that 50% back?
Called to find out. Turns out that there's an "in-network" deductible, and a separate out-of-network deductible!! So, we're responsible for $1000 out-of-network before we'd start getting that 50% back! Pardon, but :wtf:. Can they ream us for just a *little* more money, thanks? I realize that we're really lucky to have family coverage for about $400/month, but... the coverage kinda sucks. Almost no local doctors, really mediocre prescription coverage. I'm still paying ~$100/month for scripts. And to top it off, there's $253 I will not be getting back. *sigh*
:rant:
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