It's that time of year again...time to enroll in health care coverage for 2009. We've been on hubby's plan since we've been married. Last year, I tried to get him to switch to my plan because the coverage was just as good or better, and it was cheaper. But hubby is not really a "change" type of guy, so we stuck with his plan anyway.
Well this year, our circumstances are changing a bit, so we're going with my plan instead. I need to take one more look at it tomorrow, but it appears that, on the medical side, hubby's doctors and the kids' doctors are part of my plan, too. Both of my doctors (gp and obgyn) are NOT in either of my plans, but I'm healthy and don't mind switching. I'll get the exact rates for comparison tomorrow.
One huge savings: Prescriptions. My plan offers a 90-day mail order supply of a generic drug for $10!!! I pay $73.74 for a 90-day supply through hubby. That's a savings of over $240/year!! That will make up for my dental plan. Although the coverage is good, the kids' dentist (who I think is SO great) is not in my plan. I'm inclined to go to him as an out of network and pay the difference, rather than switch to an in-network provider. The $240 savings can help cover the difference.
The whole open enrollment thing is a tedious process, but we need to make the switch either way, and if it works out for the better, that's great!
Open Enrollment
October 14th, 2008 at 02:40 am
October 14th, 2008 at 03:06 am 1223949994
October 14th, 2008 at 07:08 pm 1224007718