Thursday, January 21, 2010
Well we are not renewing out insurance with Kaiser. We are having to seek another company. The rates just rose too much and we can't keep up. I'm surprisingly sad about this. I mean I knew I loved that insurance, and the doctor and everything about it really, but still, it's not like we're going without.
Kaiser has been good to me, but it hasn't been exactly honest. I said nothing when their 100% maternity coverage charged me one-thousand-five-hundred dollars for the hospital room, delivery, doctor, and anesthesia, because I was so impressed with the whole experience. Between different family emergencies I've spent a lot of time in hospitals visiting over the last few years, and I've never seen a more positive and responsive staff as I had. It was worth it.
I do take issue with their "free coverage for children under age 2." It says on my plan my daughters well baby visits are free and her regular checkups are $25. What they don't tell you is that it's "free" after you add your child to the plan, boosting your premium up $150 a month.
With that added charge, and the $100 rise in the premium for this year, we couldn't renew.
The facilities and staff are wonderful, the language is a little tricky, but I should have known better than to take what was written at face value, and read deeper into the plan. It's actually worth the money, we just don't have it.
I wish we did. Now to hunt for another doctor for my baby.