| I'm not the OP, but my insurance program (BCBSNC) offers some things. I get * a 'wellness portal' (which... doesn't open anything when I click on it) - nope - goes to 'werally.com' * a 'nurse support program' - which seems to be a bullet point list of things they say they help me with, but... no call to action, or phone number, or.. anything actionable. * 'Behavioral Health Support' - which takes me to quartethealth.com, which says their service is free, but it's just the matching portion - services still cost something (and I've got... $7000 in deductibles to hit first, only for 'in-network' - out of network, it's... $35k) * a 'blog' where I can 'explore articles and videos on fitness, nutrition and more to help keep you healthy.' * 'nutritional counseling' - 'Simply make an appointment for nutritional counseling with a registered dietitian. If you see an in-network dietitian in an office setting, your copayment can be waived...' - except if you have a high-deductible plan, which is the only thing I can remotely afford. "Telehealth" services are from 'Teledoc', and are 0% for me once I hit my deductible. Yay. What I would value is being able to go visit a doctor more than once a year. If I'm physically ill (bad cough, aches, headaches, etc) I would like to be able to go see someone for some basic inspection without it costing hundreds of dollars or more. My wife broke a bone in her foot years ago - this was at least a couple of thousand dollars out of pocket on top of the (at the time)... $7k year in insurance premiums. But... it's my own fault because I 'chose' "high deductible". If I'd just have been willing years ago to commit to paying $12k/year for the two of us, perhaps we might have gotten away with 'out of pocket' for her foot of under $1k. Essentially, between 'premiums', and 'deductibles' and 'copays', I have to be willing to commit to ... $15k-$20k up front before I see any 'benefit' from a health care encounter. I don't see how this is sustainable, but... I've been saying that for years, and... I'm hanging in there - I don't know how other people do it. 5 years ago a friend's insurance was $1900/month for him, wife and a kid. And.. yes, high deductible. |