It seems like I am always coming to you guys for advice, but here is one of the few places where I can get several points of view and make a decision without being judged and without a bunch of questions from friends and family. So, I thank you in advance for answering my question and for all of the great advice I have gotten from you guys in the past.
Anyway, my question is this:
I am working full-time now. Not at my dream job. It barely pays the bills, and I do have insurance benefits. However, they are less than stellar. But, the unemployment rate here is 10% so, you have to be thankful for your blessings. I started this job in August of last year. My deductible (for just myself) was $1500. Even with a couple trips to the ER, some prescriptions, and a couple of doctors visits (which were considered preventative, so they didn't count toward my deductible and a couple others that weren't and I had to pay for them ), I never hit it. And, here we are again in January and I am starting over once again with my deductible, which, has, not surprisingly, gone up to $1600. I do have an HSA that I contribute to (and my employer contributes a pittance to, also). But I am trying to decide whether or not it is worth my getting my own supplemental insurance. And, if so, which companies are worth investigating.
I am really frustrated with the entire insurance situation, especially since I work for an insurance company (I work with a Medicare Part D plan). I listen to seniors all day long tell me about how they can't afford their medicine, how their premiums are too high, and how the medicine that their doctor prescribes isn't covered by the plan. And I hear the complaints about not getting a raise from Social Security. What I really want to tell them is that I understand, completely relate, and that I don't have a clue as to how to remedy my own situation. I went to the dermatologist a couple of months ago because I have a skin condition (not eczema, but similar and just as uncomfortable since it is most prevalent in my face and scalp) and the medicine that I was prescribed costs $225, which I had to pay for out of pocket because I hadn't reached my deductible (co-pays don't apply)!
So, I am asking you guys.....is anyone having a similar issues? How are you handling them? Do you have additional insurance besides what's offered at work, and if so, are you satisfied with it? I know that insurance varies from state to state, but I appreciate any advice that you can provide--it will give me a starting point. I go to various companies online and I'm not even sure what I'm reading, which makes it even harder.