Oh the joys of insurance

Stacey's company changed health insurance carriers last year. The old company operated with an Oct-Oct coverage year. The new company operates with the calendar year.

The new company required the FULL year's deductible for the make-up quarter.

It's also the quarter in which practically everyone covered by her policy had expensive medical needs which means she hit the deductible. From Oct to now, she has paid her full deductible twice.

I really HATE insurance companies.