Quote:
Originally Posted by notthisagain
Up until January of this year, I had a coinsurance for my doctor and my therapist, and my prescriptions hven't cost as much as they do now. My coinsurance for my doctor was a little over $20 per visit and the one for my therapist was $18. Now they apply to a high deductible, so that I have no more co-insurance until I reach something like $2500. My doctor visits now are $83.00, my therapist is $89, and my psych visits are $75. My therapist offered to work with me outside of my insurance and charge me $70 per visit, which is still a lot more than what I was paying, but still cheaper than what I would pay had we gone through my insurance. I have also noticed the costs of my prescriptions going up dramatically.
Anyone else having a similar experience?
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If you have recently changed insurance companies, this could be a different plan then you had.
If you have had this insurance company, then you either need to see when you can switch policies in this company or when you can get another company's policy.
The less expensive the insurance policy, the more you are likely to pay. Get a sheet of deductibles and copays and understand before buying.
Next year, and years following, you need to review this information carefully. Insurance policies coverage can change.