Recent Entries
Taking Your Scars International
When I Finally Met People With CHD
Learning to Live Life at a Safe Pace
I Am the Only Person I Know with CHD
Catching Zzzs for Those with CHDs
CHD is a Lifelong Disease
My Transplant Brother
“Healthy Enough”
Walking in My Shoes, Part 2
Walking in My Shoes, Part 1
Search

Disclaimer

The opinions expressed by ACHA bloggers and those providing comments on the ACHA Blog are theirs alone, and do not reflect the opinions of the Adult Congenital Heart Association or any employee thereof. ACHA is not responsible for the accuracy of any of the information supplied by the ACHA bloggers.

The contents of this blog are presented for informational purposes only, and should not be substituted for professional advice. Always consult your physicians with your questions and concerns.

I Have No Idea What I'm Doing

Jul 13

Posted by: ACHA
7/13/2012 8:56 AM  RssIcon

By Meghann Ackerman

If you spend much time on the internet, you’ve probably seen some version of the “I have no idea what I’m doing” meme, which usually pictures an animal in some type of human situation. When it came time to pick a new health insurance provider this summer I found myself feeling like a cat with a chemistry set or a dog behind the wheel.

As a single lady, my health insurance decision making had been very simple:

  1. Can I afford health insurance? If not, skip question 2 and start looking up free clinics.
  2. Will the copays for the few times I do visit a doctor be reasonable?

I was lucky and had vanilla health care needs that are covered by all but the most absurd of plans. Victor and his lovely but defective heart complicated things.

On the surface, all the new plans we were offered seemed very similar. While some plans had a higher premium or different copay structure, they all covered a wide range of doctors and hospitals in our area, but I was still wary. What if, deep in the fine print, one policy limited the number of EKGs a patient could have covered in a year? What will our actual out-of-pocket costs be for heart surgery?

The scenarios I was coming up with—we’re out of town and Victor needs to go to the hospital, but his cardiologist is lecturing at a nearby hospital so it’s not out of network, right?—got more and more ridiculous. Does an ulcer induced by picking out your insurance policy count as a pre-existing condition?

Until pricey tests, specialists and the ever looming possibility of heart surgery became part of my life, the finer points of insurance were not something I had to consider. I tip my hat to all of you who have been doing this for much longer.

Meghann Ackerman is a writer, cook, cat fancier, crafter and zombie enthusiast living in Boston. In 2011, she married Victor Morse, a graphic/web designer, video gamer, comic book reader and punster who has aortic stenosis. Armed with a poor understanding of science, Meghann is learning all she can about congenital heart defects and how they may affect her family.

Categories:
Location: Blogs Parent Separator ACHA Blog

Your name:
Gravatar Preview
Your email:
(Optional) Email used only to show Gravatar.
Your website:
Title:
Comment:
Security Code
CAPTCHA image
Enter the code shown above in the box below
Add Comment   Cancel