Has an email about changing insurance ever made you cry?
If so–you might have a chronic disease.
My employer is changing insurance providers and I’m scared out of my whits. For most people, a change in insurance companies doesn’t mean a whole lot. You will probably still go to the same urgent care clinic for strep throat tests, and you’re probably fine calling whatever toll free nurse-line number that’s printed on the back of your insurance card. You might have to see a different primary care physician each year for your pap/physical, but the only doctor who would have ever recognized you in a crowd was probably the pediatrician you had until you moved out of your parent’s house.
The insurance company is the gatekeeper to our care. They approve or deny every aspect of what keeps us alive. Typically it means a change in the ‘provider network.’ Most insurance companies make deals with certain providers for two reasons; it keeps the insurer’s costs to a minimum and it provides some assurance that patients will consistently obtain care from those providers.
I’m thankful to be employed. I am thankful to have insurance in the first place, but I am scared that my current endocrinology team will not be within the new insurer’s provider network. This means paying some percentage for every visit out-of-pocket. It’s commonly between 20-40%. That’s a lot when I am supposed to see them 4 times a year with each visit costin between $300.00 and $500.00.
All I can do is hope that all of my OmniPod supplies are covered and that my team is within the provider network.
Even if not–I’ll keep fighting the good fight.