Shortly after I got married, I took a job as a newspaper advertising executive, a job that often required me to caddy various "consultants" around in my car so that we could visit my innocent mom-and-pop-store clients and offer suggestions on how we might weasel more money out of their pockets.
I've never felt like a bigger tool.
Anyway, it was during one of these little road trips, with one such consultant, that I first understood why military health insurance looks so good to the untrained observer. During some painfully awkward small talk, I mentioned that my husband was in the Navy.
"The Navy, huh?" the consultant said. I'm pretty sure her name was Barbie. Seriously. "So, you must have pretty good health insurance."
"Yup, it's pretty good," I said. I was enrolled in the highest tier, the one with the virtually no out-of-pocket expenses.
"How much do you pay for your prescriptions?" she asked. I want to go back and smack myself upside the head when I think about this now, because I was too naive to figure out that this was none of her effing business. But I digress.
"They're free."
"Any co-pays?"
"Nope."
"Ah," she said. "I see where my tax dollars are going now. So basically, I'm paying for you to have your next five babies, huh? Is that how it goes?"
Ah, I love being stereotyped by a stranger. Suck it, Barbie.
Cost-wise, yeah, we have great insurance. But it's not all it's cracked up to be. I don't get to pick my own doctors. For hospitalizations, I
have to go to a military hospital as long as there's one within 40 miles. I need referrals for
everything. If I get sick, sure, I can see the doctor.
Eventually. Same-day visit? What's that?
When I read that the military hospital here in VA delivers over
350 babies a month, I started asking for some honest opinions about the facility's maternity ward. The results? Less than encouraging. Downright frightening, in fact.
After reading some horrible reviews, tales of nurses who stepped on IV's and mothers who didn't get to see their babies until
eight hours after delivery, I said to myself, "Self, you're the one having this baby. You're the one who has to shove a human out of an impossibly small opening. Do you really want to be worrying about the kind of care you're going to get before you even arrive?"
Self said, "No." I switched my insurance the next day. Less comprehensive in terms of cost, but much more freedom of choice.
So for at least the next year (they punish your betrayal by locking you out for a year), I'll be paying deductibles, prescription fees and co-pays like a normal person. I'm not worried. Plus, if turns out to be a massive pain in the ass, I can always switch back.
I mean, hey, I still have three babies to go, right?