OK, at 39 I just shopped for health insurance for the first time. Other than a recent problem requiring a urologist, I'm in (near) perfect health. I was quoted 138$ A month, for a bare bones ACA policy with a 5K deductible. Problem is, my condition will likely not cost more than 2K to treat and I'd be very doubtful that basic ACA would cover a specialist. How does that help me? We are biting the bullet and paying cash. An ACA policy would just be 138$ a month I can I'll afford to pay, since I need that $ to pay the urologist. The policy would be WORSE than worthless, to me. How has President Trump changed the ACA besides removing the UnConstitutional Mandate? How would my situation have been any different had this happened in say the Summer of 2016? I'm truly curious, as this is the first real health issue I have had to deal with in my entire lifetime.
Frankly $138 a month for a premium with a $5000 deductible doesn't sound that bad in the Obamacare era.
Let's do the math here , $138 bucks a month = $1656 for what when a single person has to pay $7,900 bucks first for a bronze plan So you first have to pay $1656 bucks then have to pay $7,900 bucks = $9,556 Then everything over it the Obama care kicks in.. I hope someone has a heart attack at 20 years old to take advantage of it.
I have no reason to believe my treatment will exceed 2 or 3 grand, much less 5. Do you think it would cover a urologist.
I've no idea what treatment your medical needs require, so obviously I can't estimate costs, but getting insurance, even with a deductible, also means getting the insurance negotiated rates, which is a lot cheaper than paying "retail." But putting aside one particular health problem for a moment, I don't see how an adult can think purchasing health insurance is optional. You don't know what could happen in the next year, and you sometimes just can't anticipate health problems. I'm not planning for a hurricane to destroy my house, but homeowners insurance mitigates the financial damage if that happens. It seems like it's just common sense to get insurance.
It is worth your while to have some sort of coverage as you never know what might go wrong, hopefully nothing will, but there is always a risk
Yeah, I am not getting younger, kidney stones and a UTI I am currently suffering, has me strongly considering it. If they have to cut on me, i can see it easily costing more than 5 thousand. I'll find out more tomorrow on my condition.
As I said it is important to have cover especially if there is an infection involved Now I will be a nag here and tell you to drink plenty of water because bugs don’t grow in waterfalls
Been trying but it's a catch 22, ever since Thanksgiving day, but damn does it burn like hell to pass water. I'm on some powerful antibiotics since last Saturday, think a stone is in the lower tract. I would not wish this on the Devil himself!
Went to the urologist and was put on another antibiotic. ER doc said she thought I passed a stone because my kidney and ureter were swollen. Urologist said he saw none on the CT scan, so I may have. He wants me to get an ultrasound and depending on the results, I may require hospitalization. I got insurance as soon as I got home, effective midnight. It covers 80/20 and cost near 180$ a month but I'm glad to have it, no telling how this situation goes, the urologist was at a loss. Paid cash today for first visit 215$
I'm so happy, was peeing in my yard today, after drinking lots of water and I passed the stone...pop, just like that, was not near as painful as the it has been since Thanksgiving day. I definitely felt it but it passed in mid stream....ahhh...to pee unimpeded again... The little things we take for granted until it's gone.
So my brother's girlfriend is an AllState employee and looked over the PDF for my insurance. They told me I should cancel that and get an ACA bronze plan, right from Healthcare.gov WOW, it's ironically named AFFORDABLE care act, ready for my quote? It's damn near the cost of my rent. I thought they were trying to encourage poor people to sign up? Monthly premium $496.17 Including a $0.00 tax credit Florida Blue HMO (a BlueCross BlueShield FL company) BlueCare Bronze 1486 Metal Level: BronzeBronze Plan type: HMOHMO Plan ID: 30252FL002**** $8,150 Individual total Out-of-pocket maximum $8,150 Individual total Estimated total yearly costs All Topics Glossary Contact Us Archive Nondiscrimination / Accessibility Privacy Policy Linking Policy Using This Site Plain Writing 中文 Kreyòl Français Deutsch ગુજરાતી हिंदी Italiano 日本語 한국어 Polski Português Русский Español Tagalog tiếng việt A federal government website managed and paid for by the U.S. Centers for Medicare & Medicaid Services. 7500 Security Boulevard, Baltimore, MD 21244
But Democrats assure me it's a good deal, it's like 40% of our monthly income, needless to say, it's anything but "affordable".
So? What do I pay? Medicare levy 2% of my taxable income For that I get Free hospital Free (sorta) doctors - many charge above the standard rebate Cheaper pharmaceuticals Free flights if required from regional to metro areas Free community health care...... https://www.humanservices.gov.au/individuals/subjects/whats-covered-medicare
And? The ACA was supossed to be the end all, be all. I thought it was a typo or yearly premium so I did a triple check...nope, near 500$ a month.
Every time the federal government tries to take over an industry, the costs for that industry's products/services skyrockets. A "middle-man" who does nothing but create paperwork between the service provider and the customer is just expensive red tape. Most doctor's will give you a 50% discount or more if you tell them you want to pay cash. They'd rather not have to deal with the pile of paperwork and just treat your condition and you pay them. Of course, insurance is needed for extremely expensive catastrophic illness or injury. The expense isn't only evidenced in the insurance premiums/deductibles. All taxpayers have to pay more to the government's general tax pool. Just yesterday, I saw that insurers sued the government for $12 Billion for losses they've taken over assistance with covering people with pre-existing conditions. Looks like they will win, and we all get to pay. Obamacare was just a government tax scheme and a covert insurance industry bailout. https://www.nytimes.com/2019/12/10/us/supreme-court-obamacare-insurance.html
Yes and Aussies thinks its free The goods and services tax (GST) in Australia is a value added tax of 10% on most goods and services sales, with some exemptions (such as for certain food, healthcare and housing items) and concessions (including qualifying long term accommodation which is taxed at an effective rate of 5.5%). Wikipedia › wiki › Goods_and_serv... Goods and services tax (Australia) - Wikipedia
You need a massive overhaul of the system and that ain’t gonna happen whilst republicans are anywhere near being. In office
