My husband works for a small engineering firm and they are changing the structure of benefits around in may different ways. They are doubling the deductibles and dropping some coverage. I totally understand the why part of it. But now they are talking about the “best” new offering is to take this one insurance plan and then pair it with an HSA which is similar but different from the current Flex plan we currently have. This new plan you pay all your appointments and medications up front until your deductible is met and then the insurance picks up the rest. There are no co-pays, but for us we would have to have a large chunk of change available to meet these payments out of pocket. Not only do we have our diabetic 2 year old daughter, but we have a 5 year old with allergies and a 1 year old boy (who seems healthy now, but his bull in a china shop earned him a broken arm just yesterday.) I know I hate making these type of decisions so my nerves might be most of the reason for my hesitation and utter dislike of these changes, but yet we have to make a decision BY Monday. Does anyone have any advice with this stuff or have a resource suggestion of where to turn to get help in picking the right plan for us? Please help us find a way to dumb down all this information and to make sense of everything.
Plus is it just me or should these businesses who make these type of changes and have all day long meetings with their employees to explain these new options invite the spouses who are VERY much affected by these things. My husband is good, but he got to listen to these people and now try to explain it to me which means I may not be getting everything I need to.