Our health insurance where Cliff works is increasing in cost, and they're making lots of changes. I hate change. But I remember several years ago when we had no insurance; we took out a policy on our own, and the monthly premium took most of one weeks pay; and the premium went up every time we received a bill. We dropped it after three months because we didn't have that kind of money. Thank God we were healthy for our six un-insured years. But I still remember the nagging feeling in the back of my mind, wondering what would happen if we were injured, or came down with some serious illness. I appreciate having access to health insurance. Health care costs are rising at astronomical rates, and somebody has to pay the piper.
We now have a choice of three insurance plans; of course the cheapest
one has a huge deductable, and the best plan has practically
none. We're choosing the middle plan, which is similar to what we
already have, and is only about $4 more than we're currently
paying. Oh, dental and vision are extra now. We'll pass on
the vision, but will pay $6 a week for the two of us, for dental
insurance. All told, when the new insurance takes effect, Cliff's
check will be about $10 less.
There are things I'll have to get used to. For instance, to get
the best deal on prescriptions, we'll have to order them online.
And we'll have to ask for generic prescriptions for the lowest
co-pay. I have no problem with that, and in time I'll get used to
it. We'll have to change dentists, because our current one isn't
on the new PPO list.
In the same way, I can get used to the banner ads on everybody's AOL
journals. I know how to make the banners disappear: Just
scroll down a tiny bit, and POOF!!! They're gone.
In the case of AOL, as in the case of our health insurance, it's a
matter of a company making money rather than going in the red. It
isn't all about me, and they're NOT all out to get me.
I hate changes. But I've lived through a lot of them, and I think I'll survive these.