[jenniy122]

My coverage has changed twice since January. Not my plan, not my premium, but what they cover. Until the last week of March my deductible was $25 and my out of pocket max was $450. That week it went up to $3200 and $6600. So my care went from free cause I had already met my limits by the end of January, to their copay costs. About $250/month for meds, and $30/doctor appointment. I have at least 4 therapist appointments a month, a psych appointment at least every 3 months, and other non-mental appointments as necessary. (Dealing with some severe tendonitis in my left ankle right now, so seeing the podiatrist every couple weeks and going to be going to physical therapy soon). Now as of last week my meds are out of pocket until I meet my deductible (over $1000 a month, so it won't take long but I cannot afford that). I don't even know what changes have happened to my doctor copays, as I haven't been told they've changed but they may not have checked again as they usually just ask me what to cost is and take it.

Questions:
Are these changes even legal? Don't they have to inform me or something? Do I have the option of changing my insurance since this one is no longer affordable for me and that was the whole reason I picked it even though it's outside of the sign up window? And most importantly, why the changes and at such random times?

[CANDC]

I am sorry you are paying more for insurance.

Contacting an insurance helper that helps with Affordable Care Act Health plans or even your insurance company. An insurance lawyer might help but not sure if they would charge a fee. There are also free legal services.

[Perna]

If you can't find your insurance plan book, I think you have to call your insurance provider. The end of March date and really low deductible and out-of-pocket costs don't sound like anything I have heard of. I had to change plans too, starting January 1, for 10 months; in October I'll be 65 so will have to change again then to Medicare.

They can't change anything without having to send you a new insurance card for the doctors, etc., all of that is coded on there so they can bill properly.