Every job change I have had has had worse health insurance. And within each job, every time there has been a change in the insurance plan, it has been for the worse. The new plans came out for next year- we now have our choice of two options- but neither includes out of network coverage. They took that away. Neither my psychiatrist or therapist take insurance.
50% of psychiatrists do not take insurance, it is the highest percentage of all disciplines. And in my state the number of doctors-of all kinds-who do not accept insurance is very high. There are hardly any psychiatrists around who take insurance, and the waiting list for those who do is many months. But at $150 every 2-3 months, I think I will stick with my doctor. My therapist is another matter. And I am sure that there are good therapists who take insurance, but I can never seem to find them. I found one- but then she left for maternity leave. Most have been, at best useless, at worst really bad. So I think that as of December 31st, I will be done with therapy for a while. I guess they got what they wanted- they cut costs.
The high deductible option will still be there- with $500 added to the deductible and no more out of network coverage. The other option is an HMO which is no bargain either. There is still a high deductible- but is doesn't apply to doctor visits or prescriptions- there are co pays for these, and these copays are high. $60 to see a specialist (like a physical or occupational therapist, for example- imagine 2 times a week). And for the HMO I would need a referral for all care- which would annoy me, but I don't think would be too hard to get. I have a good doctor.
I think the HMO would save me money- and I wouldn't have access to any more doctors with the high deductible plan. The downside is that there is no health savings account attached to it. So when I try to figure out what is in my financial best interest, my head starts to spin. Shouldn't they teach this in schools? And I really don't like the idea of an HMO. And I feel very sorry for all of the PCP's who have to write referrals. They must have something better to do with their time.