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Open Enrollment, Guardian and Medical Bills

It’s that time of the year again when my husband has to choose what kind of medical insurance and other benefits we would avail as a family with their company.  HR gave them until October 30 to decide.  The company decided to change medical/dental insurance provider from United Healthcare to Cigna.  The other stuff remains the same. 

In any case, it was also timely as we wouldn’t have realized that he has this additional critical illness benefit that will help us pay off our medical bills.  For UMR, our annual out of pocket maximum payment is $4,500 for individual and $9,000 for family.  The ER visit, surgery and inpatient hospital stay already maxed out my annual out of pocket maximum.  That’s $4,500 we need to come up to pay for our share of the bill.  The hospital allowed us to pay in installment and gave us a grace period of 120 days.

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