In researching more affordable health insurance options yesterday morning, I learned that we’ve been being screwed by our insurance company.
On one hand, we’re to blame for not bothering to look into better options sooner, but basically it comes down to this: the Affordable Care Act, aka Obamacare, forces insurance companies to pay for well checks for women and kids from age 0-21.
Of course there are a few loopholes, like in our case. If your policy started before the law took effect in March 2010, you are “grandfathered” in. We didn’t change our plan once we had Gianna, especially since after her birth our deductible was met through the end of 2011.
If your plan is old, the insurance company doesn’t have to pay for “well checks.” If you don’t have kids or aren’t a woman, you may not know how damn expensive that stuff is. Gianna’s first round of shots and one office visit cost $700. That’s right. $700 for maybe half an hour and a few shots.
I’m not talking about whether or not you think it’s fair that the law works this way. But I do want people to realize that their well checks are covered by their insurance.
So hey, educate yourselves and don’t trust your insurance agent to let you know that your old plan sucks and you’re not taking advantage of a better plan.