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Sometimes even really good insurance sucks.

Originally posted on A Canvas Of The Minds:

DeeDee newI am extraordinarily lucky: I have complete coverage health insurance. That means all therapy, lab tests, prescriptions, and other services – even chiropractic – are covered 100%. It sounds too good to be true, right?

It is.

The catch is that it’s a high deductible plan, and while my husband’s employer pays the bulk of the $11K deductible, we pay about $2K. No problem, I said, I’ve done the math and that’s cheaper than copays. Our portion of the deductible comes out of an FSA (flexible spending account), which is drawn pre-tax out of my husband’s paycheck throughout the year, so we’re not suddenly scrambling to make ends meet while we pay our portion of the deductible.

So far, so good, right? Well, the problem is that the deductible scheme is managed by a third party benefits management company. At the point when our part of the deductible has been…

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