My resent application for health insurance has left me with a bitter residue permeating my palate.
The more I chewed on my selection the stronger and harsher the vile flavor became. It is evident to me that our legislature cares little for their constituency.
The first glaring issue is deductibles. As an individual a policy will give for an example of $1,500 deductible. You’re insuring yourself and your spouse so a logical assumption would tell you that once you pay $1,500 you’re covered and if your spouse needs care that they would need to hit the $1,500 mark before they have satisfied their deductible. However this is false! Your family deductible could be more than double or tiple the individual deductible. You could be paying out $3,500 to $12,000, depending on the plan. The real kick in the crotch is the state of Washington will not let you buy two separate individual policies.
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The laundry list of problems an individual must summit to, to find a plan is for me at best a four- or five-hour adventure in blood-pressure rising uncertainty. Is you doctor in network? How will I pay for this plan and still afford the cost of seeing a doctor? Will some procedure that I have not a clue today that I will need tomorrow, will be covered when I need the services? Should I consult a lawyer? Remember, we’re stuck once Jan. 1, 2016 arrives.
David Wilmot, Bellingham