Covered

I gotta tell you, we have been pretty frustrated lately with insurance. We've had the same insurance for as long as we've been married, but somehow the out-of-pocket expense for each child we've had has magically gone up. When we had Tres, we paid about $150 out-of-pocket. Then when we had Bry, we paid about $300. When we had Sophie, we ended up paying nearly $1000 out-of-pocket. Not fun, but well worth it. When we started getting the insurance bills, I added them all up. If we didn't have insurance we would have paid nearly $20,000!!! That's a car, people! I told Hank that we need to keep a better eye on the changes that have obviously been taking place with our insurance carrier.

I wonder how people do it who have no insurance or have to deal with Medicare. I think they are trying to make medicare a little more user friendly, but from what I've heard, it can pretty much be a nightmare of logistics when you are covered by medicare. Maybe programs likemedicare part d, can help give it a little better reputation! This particular program is designed to help with prescription medications.