My insurance also changed this year.  $1,500 deductible, but that also includes medications; which we were not informed of at the time we signed up for benefits.  It was NOT disclosed to the Dr. until after the first of the year.  I am very unhappy with our benefits, as one medication I am on costs $245 every 30 days.  There are only 4 manufacturers in the country and I was told that "my insurance company sets the prices of the medication."  That's nice!!!!!  I was able to find an online coupon for $50 off, by the manufacturer.   

God bless my employer that he gave us $1,000 over the course of the year to make up for the higher deductible.  I told him my dilemma and he gave me the addt'l $$ to help me meet my deductible sooner.  Once that happens, then it will cost me like $125 for 90 days through my mail order pharmacy. 

Also,  now the "routine" tests that I have to complete to keep up with my genetic disorder that I was dx'd with in 2002 have to be put off, so I can meet my deductible and have these visits covered.  I voiced my opinion to my employer and let him know about the prescription part too.  He didn't know it until I informed him.  He said he'll be looking for at different plans next year.  I'm the wiser now...will be putting $$ into my savings acct for next year....can't afford to have this happen again.  I had to spend 2 days trying to get this sorted out, otherwise it was going to cost me $643 for 90 days of medication, through my mail order, which I have always used for my medications.  Good thing I checked first.

It's a lot of juggling in my opinion.  It is going to make very sick people not get the help they need, because they cannot afford it.What a friggin' racket!!!!!  Crappy Ob_ _ _care!