Insurance can be so frustrating...
*gasp* I know, I can't believe I just typed those words! 10 years ago, it wouldn't have been a surprise! But now that I have worked in insurance this long, I pretty well understand insurance, I don't get frustrated by insurance much at all.
Here's the deal. Our group health insurance premium, for spouses only, went up $140/month! That's $70+/paycheck for me. While that may not seem like a whole lot, for Chris and I, it's a chunk. I had already been considering finding another, individual, plan for Chris. I called the agent who so graciously handle's Elijah's medical coverage. He helped me locate a couple of plans.
Guess what. Here we are 3:00 on 12/30/10 and I still don't have an answer regarding Chris' new plan. One company wouldn't even underwrite - they just flat refused him. The second company must be underwriting him because they're asking for more information, medical records, etc. Then I got the call from HR saying I had to take Chris off the group plan today or else I was stuck in it until 1/1/12. No changes can be made unless it is a life changing event (marriage/death/childbirth/adoption). I know what Chris' response would be: CANCEL!
I prayed about making the right decision because I had to make it now. This song came to mind:
"My hope is in the Lord
From this time on and forever more
Oh, my hope is in the Lord
Forever more."
I cancelled the group plan. I'm putting my hope and trust in the Lord that the rest will work itself out.
Here's the deal. Our group health insurance premium, for spouses only, went up $140/month! That's $70+/paycheck for me. While that may not seem like a whole lot, for Chris and I, it's a chunk. I had already been considering finding another, individual, plan for Chris. I called the agent who so graciously handle's Elijah's medical coverage. He helped me locate a couple of plans.
Guess what. Here we are 3:00 on 12/30/10 and I still don't have an answer regarding Chris' new plan. One company wouldn't even underwrite - they just flat refused him. The second company must be underwriting him because they're asking for more information, medical records, etc. Then I got the call from HR saying I had to take Chris off the group plan today or else I was stuck in it until 1/1/12. No changes can be made unless it is a life changing event (marriage/death/childbirth/adoption). I know what Chris' response would be: CANCEL!
I prayed about making the right decision because I had to make it now. This song came to mind:
"My hope is in the Lord
From this time on and forever more
Oh, my hope is in the Lord
Forever more."
I cancelled the group plan. I'm putting my hope and trust in the Lord that the rest will work itself out.
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