I dont know if this is the correct place to post this, but I posted this on a different sub and it got deleted. I can get some anxiety about a lot of things in my life, but health insurance is by far the worst.
On paper, I have a great plan (through my work). But Aetna has all around proven for the last 2 years that they are horrible and difficult to work with. I had a claim wrongfully denied by them and it took me 5 months for them to correct it. Is this how it’s going to be every single time? I have a chronic issue so I’ll be relying on the healthcare system for my entire life.
I see horror stories all the time about people being stuck with 100k+ bills from the hospital. At this point I try to avoid reading things like that, but I’m still finding it hard to control my anxiety about it either way. Admittingly, I have a lot money in my savings account, but I’m scared to even use any of it on myself, because I’m scared of some huge medical bill. If worst came to worst, I could easily pay for my out of pocket max every year (5k), but I have to worry about if the insurance company is gonna decide those claims were “covered services” or not. I am so sick of insurance companies playing god and deciding if something was medically necessary or not. This is so F’d. The fact that basically everyone in this country has to deal with this same thing/we’re all in the same boat, does not bring much solace to me.
My anxiety over this is through the roof. Sometimes I can make it a few days without thinking about health insurance, but then some days it just dominates my mind. It already put me in a bad mood yesterday and ruined my Friday night, now it’s already starting to ruin my Saturday as well.
I have gone to therapy about this through my work’s EAP, but it didnt really do much for me (maybe just a bad therapist?) I feel like a crazy person worrying about the “what if’s”….please tell me I’m not the only one feeling this way. Would I feel better if I start contributing more to my HSA? Any advice in general?
submitted by /u/pizzunk
[link] [comments]I dont know if this is the correct place to post this, but I posted this on a different sub and it got deleted. I can get some anxiety about a lot of things in my life, but health insurance is by far the worst. On paper, I have a great plan (through my work). But Aetna has all around proven for the last 2 years that they are horrible and difficult to work with. I had a claim wrongfully denied by them and it took me 5 months for them to correct it. Is this how it’s going to be every single time? I have a chronic issue so I’ll be relying on the healthcare system for my entire life. I see horror stories all the time about people being stuck with 100k+ bills from the hospital. At this point I try to avoid reading things like that, but I’m still finding it hard to control my anxiety about it either way. Admittingly, I have a lot money in my savings account, but I’m scared to even use any of it on myself, because I’m scared of some huge medical bill. If worst came to worst, I could easily pay for my out of pocket max every year (5k), but I have to worry about if the insurance company is gonna decide those claims were “covered services” or not. I am so sick of insurance companies playing god and deciding if something was medically necessary or not. This is so F’d. The fact that basically everyone in this country has to deal with this same thing/we’re all in the same boat, does not bring much solace to me. My anxiety over this is through the roof. Sometimes I can make it a few days without thinking about health insurance, but then some days it just dominates my mind. It already put me in a bad mood yesterday and ruined my Friday night, now it’s already starting to ruin my Saturday as well. I have gone to therapy about this through my work’s EAP, but it didnt really do much for me (maybe just a bad therapist?) I feel like a crazy person worrying about the “what if’s”….please tell me I’m not the only one feeling this way. Would I feel better if I start contributing more to my HSA? Any advice in general? submitted by /u/pizzunk [link] [comments]Read Morer/HealthInsurance