Bread or Meds Continued

My Healthcare Insurance Plan Sucks

Welcome to Tenet's Sucky Insurance Plan that Doesn't Take Care of It's Employees.

At the end of last year, Tenet heavily recruited people to it's Health Savings Account Plan.  Every "real" adult who had medical problems complained that the plan was horrible.   I'm now understanding how horrible it really is.

Here's a breakdown of my plan:

These are the medications that my doctor prescribed today:

Grand Total: $3171.60 per Year  

JUST SO I CAN BREATHE!!! 

This doesn't include over the counter Allegra, which I have to take daily.  

I love the farce of the savings:  congrats you save 10-12%

Now, I don't have to pay this in entirety because  I have a $1200 deductible for medical and prescription costs.  This means I pay full price for all medications and services until I meet this amount for the year.   After my hospitalization, I will definitely meet this deductible.  After that, the insurance will pay for 65% of the cost of the medication until I reach a max of $5200. 
Dude, I'm a resident physician.  I am paying back my loans.  I do not have freakin' $5200 extra dollars to spend on medications for my health!

Additionally, PREVENTIVE medications cannot be applied to the deductible.  How much sense does that make?  Every medical economist knows that you save money in the long run when you take preventive medication.  But, I forgot, Tenet doesn't care about the long-term health of its employees. 

Tenet put in $750 for me in an HSA account that can be used on eligible health expenses, ie medications and deductible.  So essentially, the out-of-pocket fee for me will be $450. Then I have to pay 35% of the costs or $690.  So in total, I will have to pay $1139.85 just for my asthma medications this year. 

In summary, Tenet Healthcare takes poor care of its employees.  Don't work for them.