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The eye worsens, and job questionable job strategies

January 16th, 2018 at 05:35 am

Ugh. I learned yesterday at eye doc's that I do now have a "small infection" in the eye with the abrasion. So they switched my medication and want to watch it closely.

I am feeling a little anxious about this and just want to get this under control. Infections in the eye can't be good, and they seemed a bit concerned as well.

So I'm going back today. Totally necessary, of course, but I'm wondering what my final tab will be. So far I've paid $160 in copays for 4 visits, plus $40 for the new med. Since I haven't paid my 2018 deductible, I'm guessing this will cost me at LEAST several hundred dollars. At least the deductible (on a COBRA plan I'll be losing next month) is just $500.

Update: Well, I'll be. I just check my Cigna account online and the 1st 2 of the 4 visits were there, and I don't owe anything beyond the copay I already paid. This is a mystery but I'll take it. (I will miss this health plan.)

So far, then, $200 out of pocket, and I'm sure there will be at least 2 more visits beyond today's. I will never take my eyes for granted again. Interesting how kind of a fluke medical event can put things in disarray.

Once I get on the high deductible healthcare exchange plan next month ($5,685 deductible), I would love to open an HSA. I guess I would fund it myself and the contributions would not come from my employer, and I can get a tax deduction at tax time? Never had one of these before but I imagine I can do it with a Vanguard money market account? I can easily transfer cash from one of my online money markets.

We're expecting 2 to 4 inches of snow tomorrow morning. Not a lot of snow by New England measures, but certainly enough to make the morning commute a mess. I will work at home tomorrow. It's just not worth the risk of an accident to be a hero and get to the office.

There may be some benefits to being a somewhat older employee, because I've already established that I don't drive in snowstorms, regardless of what fellow employees do. Used to be, this kind of decision would just stress me out; now i feel there's not as much at stake here so I'll make these kinds of decisions myself.

I will also hopefully avoid having to go back to eye doc tomorrow and having to drive in the bad weather. I will learn that at today's appointment.

My friend keeps urging me to be sure not to quit my job or I'll lose the opportunity for unemployment benefits. I don't see how that's possible if I tell manager I want to scale back hours and work part-time and he says absolutely no, we need you f/t and it would be too much hassle to find another part-time person.

My friend says, let them fire you if need be, but don't quit.

I still have this week to think about it but I'm inclined to just have a talk with manager, tell him I would very much like to continue working there but that I want to have more time with my elderly dad and I want to scale back my hours to about 25 hours a week, or 3 full days, preferably.

If he says no can do, I would probably then just say I'm sorry it won't work out then, and that I would probably start looking for a part-time opportunity elsewhere, although it may take me some time to find the right fit.

Truth be told, I HAVE been looking all this time and not found anything.

And if he then says, fine, and finds someone new to replace me, I again don't think I'd qualify for unemployment since I said I wanted to reduce hours. So I'd sacrifice 6 months of income that would be nice to have, but not much I can do about that.

I could not bring myself to do something stupid enough to get myself fired, either.

5 Responses to “The eye worsens, and job questionable job strategies”

  1. Dido Says:

    If you can find an HSA medical plan on the individual marketplace, they are an "above the line" deduction on the Bottom of page 1 of the tax return up to a limit. We had them in PA the last time I bought my own insurance in 2016, but they disappeared from the individual market in my area in 2017.

    Good luck with the eye and the talk with the employer.

  2. Patient saver Says:

    As I recall. All the aca plans were high deductible. Is there a specific definition of a hi deductible plan?

  3. rob62521 Says:

    Hope things improve with your eye. Glad it wasn't a detached retina.

  4. LuckyRobin Says:

    Retinal problems are awful. My eye still hasn't returned to normal after the tear. I still have black floaters and I have a hard time focusing on books because of it. I hope your problem heals up soon.

  5. Dido Says:

    Yes, there are requirements. Less than 20% of plans with a high deductible are HSA qualified. See https://www.zanebenefits.com/blog/how-to-tell-if-your-high-deductible-health-plan-is-hsa-qualified

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