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4/1 check-in and announcement!
I’m excited to announce that in conjunction to the “Gym Buddies Daily Check-In”, we will be making a new bowl call “Rest Day Buddies Daily Check-In” for you all to compare notes and strategies for how to take a breather from the gym. Follow link below to learn more: https://tinyurl.com/3yv8rvx8
Ok, now that it’s done, what’s your workout for today? 😅
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Just from my experience it's not really better to have the more expensive insurance at some companies.
The higher deductible plan my have a lower total out of pocket expenses. The company might put enough into an HSA to make it worth it. In some cases the high deductible plan will include your pharmaceuticals to add to your max out of pocket costs while the more expensive plan does not. Between all that and paying the higher premiums the "better" health insurance might not be worth it.
All this to say you might have just made a good decision by accident.
Like I say, it's a big maybe. But the high deductible plan is not the end of the world. You still have health insurance.
When did you get pregnant? Can you ask to have your pregnancy as a qualifying event to change plans?
Unfortunately there isn’t really anything you can do then. You may want to go to healthcare.gov and shop for a plan or if you have a spouse you can elect to use their plan. You can also ask HR but I would imagine they said there’s nothing they can do. Open enrollment is mandated by the insurer, not HR
Worth asking them.
Had a situation where my husband's insurance docs said they would cover fertility stuff so we signed up. Came time to prequalify that coverage and the insurance company said they don't cover it. Showed the docs to my husband's HR and they said they could knock us off their insurance and we could switch insurance (losing coverage is a life event). So we switched to my insurance, lost money from deductible already spent on previous insurance, but what can you do.
You can certainly ask if you were given documents that suggested the insurance operated on a calendar year system.
But it sounds like it was a case of misunderstanding a less common/confusing set-up of not having open enrollment be at year-end.
You can ask if the insurance company is willing to switch you over to the more expensive plan if they run both plans. Some companies will allow you to do this, but will have some restrictions on benefits (so ask carefully and get stuff in writing).