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Post by rolando on Dec 23, 2014 12:01:00 GMT -5
All
I raced to have my daughter's wisdom teeth out before the end of the year (father of the year award for extracting teeth the day before Christmas Eve). My cost was a $20 co-pay. The bill was $3,500. That would be $593 after Jan 1st ($250 plus 10% plus $20 office co-pay). I'm not sure I could afford the $593 and probably would have just let it go. This deductible/co-insurance will result in postponing treatments until it's absolutely necessary, or worse, until it's too late and the condition requires major intervention costing significantly more in the long run. I've worked at Harvard for 20 years specifically for the benefits (obviously not for the money since we are underpaid by about 20%). Now that those are rapidly dimensioning (retirement health coverage, health coverage, cell phones) I fear if I stay here I'll wake up in 10 years time kicking myself for not bailing out when I knew Harvard were sticking it to their workers. It's a race to the bottom at Harvard. How long before they realize this was the biggest mistake they have made?
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Post by 17yearsatharvard on Dec 24, 2014 19:11:02 GMT -5
You are so right, this is the enormous danger of the new policy. In the end you did the right thing for your daughter! I hope she's doing well and will be able to enjoy her holiday break.
Can you share more about why your situation means that you cannot afford the co-payments? Many people find that the high costs of rents and childcare in Boston reduce their discretionary budget to almost nothing. Most of us feel that the co-insurance (or, more accurately, partial insurance) kicks in at much too low a salary level.
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