We have insurance through my husband’s employer. His policy includes free insurance for the employee (my husband), a $250 deductible for the employee (my husband), a $500 deductible for family members and an emergency room visit was $150 one time payment with the insurance paying ALL of the remainder. Our cost was $400 per month. We have now been increased by $100 per month. I am on disability and have Medicare, which I pay $110 per month. Although I am on my husband’s policy, all approvals and payments are run through Medicare first. So even though my husband is employed and we pay for insurance I am forced to use Medicare, the insurance company requires that if I am eligible for Medicare I must use it before they will pay. This means even with my husband working, with a good income and insurance paid for through his employer I have not been accepted as a patient with a doctor because they are no longer accepting Medicare patients. Typically our insurance runs from January 1 to December 31. Our new enrollment dates are December 1 through November 30 2014. We are expecting to be cancelled after November 2014 because my husbands employer has less than 50 employees. We were informed on this years enrollment I would be cancelled in 2014 because I am on Medicare. We have never been without insurance, my husband and I have always carried insurance through our employers (even as single adults before marriage), even when we suffered through a layoff in 2001(11 months) and another in 2010 (10 months) we always paid for COBRA and NEVER had a lapse or break in coverage.
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