My employer switched from several good medical plans to only two options: HSA (Health Savings Account) with an individual $3,000 deductible/$5,000 out of pocket maximum and a HRA (Health Reimbursable Account) with an individual $2,000 deductible/$4,000 out of pocket maximum which DOES NOT include the following: copays and costs of prescriptions.
The statement from my employer and Blue Cross and Blue shield was "these new plans help you take part in managing your healthcare expenses". The premiums are the same as the old plans we had before, but there is 90% less coverage for the same premium.
For people like me that have a chronic health issue, these plans are not made to "help you manage your healthcare expenses", these plans are made to deter people from seeking needed medical care because of the high deductibles, high coinsurance and high out of pocket maximums. I have put off getting my needed medicine because just ONE of my medications is almost $1,800 a month, another medication is $5,100 a month. I have cancelled appointments with my specialist AND my Primary Care Physician because of the high deductible and not being able to obtain the exact cost of services to even estimate my cost per visit.
All these plans do is force the insured person to go without medical care and required medications to manage their illness and punish people that have chronic illness' that are beyond their own control and reward healthy people that never need to use their coverage beyond "annual Preventative services" which are covered at 100%.
I have not been able to get "private" coverage because of the $1,800 a month premium with a $5,000 deductible that Blue Cross and Blue Shield requires. So people like me with a chronic illness only have the option of working a full time job that offers good medical coverage in order to afford to take care of themselves health-wise. But apparently even that is changing, and premiums are going up and level of coverage is going down.
Shame on all of you health insurance companies for singling out people with health issues!