Sometimes you know “where be dragons”. I know that tomorrow morning I have an encounter with a dragon. The dragon is health insurance coverage.
Yesterday I received the notice in the mail that my regular coverage ended with the end of the month and COBRA was available. The high deductible COBRA coverage costs more than my monthly mortgage.
The first battle is to see where the subsidized coverage is that was mentioned in the separation package. I am due this benefit for the duration of the severance, approximately 2 months. This would be a great tide us over until the new job, But suurely this rate is lower than what was quoted in the insurance information that I received yesterday.
Getting a new policy in place for the short term will be challenging. My previous go to company that I used when working as a contractor is closed for new policies pending a review of Obamacare. My concern is that this may be the trend and there may not be many affordable options available. How is that for irony for the electorate?
Hippocrates versus HIPPA and Hypocrites. Experience has taught me that you have to challenge this dragon, otherwise you end up owing a mortgage equivalent debt to cover a life-threatening illness.
It is a battle that will end up costing me, I will not win (unless the revolution or a zombie apocalypse happens). I just want to be sure I have some control in the amount sacrificed.