*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
I cancelled the group plan. I'm putting my hope and trust in the Lord that the rest will work itself out.