It’s that time of year again. Benefit enrollment time of year at work. I hate this time of year, because we just see how much less we’re going to receive and how much more we’re going to have to pay.
I must admit that I’ve been very very fortunate in the past, I’ve not lost anything as the years have gone by, but I’ve had to pay more and more, but I can justify the cost. I’d pay to be on COBRA the rest of my life if I could keep the benefits I have now, nothing can beat them that I’ve seen, and yeah, it’s costly, but like I said, I can justify the cost, and it’s well worth it.
This year, this year is different though, I’ve got to take into consideration everything. I’ve got to analyze everything. And really, everything isn’t much, I’ve got 2 plans to choose from, a low value and a high value plan. The problem with this is, the high value plan, doesn’t really offer much more than the low value plan and neither plan really benefits me. But I have no choice but to take a plan, COBRA isn’t something that exists forever.
Neither plan pays for DME (durable medical equipment), all my pump supplies are qualified as DME which leaves me up shits creek without a paddle. And the shittiest part of it is, right now, all my DME is 100% covered, I don’t see a bill at all, I don’t even have an inkling of an idea as to what my supplies really cost, I just have a generalized idea of what I’m not going to pay.
Basically, what it comes down to, is 2 choices, and 1 of them I’m not taking.
1) Go back to shots, because all that stuff is covered, syringes and insulin, although the insulin, since it’s a brand name drug, will cost me almost 3 times as much of what I’m paying now with my most excellent insurance. This is the option I’m not taking because I know that if I have to go back to shots, I’m as good as dead, because the shots won’t ever happen, or they’ll happen on a semi regular basis, neither of which is nearly as good as me taking them all the time when necessary. But as I said, that won’t happen. I don’t have the motivation or desire to do that. And they hurt, and when they start hurting, that’s when I stop doing them.
2) Find a new job that has better coverage. I should not have to go job shopping because I need better insurance. I should be able to have a job that I’m happy with, because I’m happy with it, not because I have a chronic disease which costs lots of money (even if I’m not on the pump) and therefore I need sweet ass insurance. What I’m trying to say is that job satisfaction should not be based on my benefits package, it should be based on the joy I have walking into my job on a daily basis. It should be based on walking away from my job at night knowing that I accomplished something that day, that I helped someone that day, that I did something that day.
I don’t like option 1 or 2.