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You don't have to give anything up. Most people who make a lot of money are extremely ethical and start doing whatever it is they do because it was something that held value to them from the beginning. Those people just don't make for good press which is why you only hear about the bad apples.Quote:
Originally Posted by ApatheticNoMore
Just found out my health insurance (purchased in the "individual market" as no one has a job with an employer that offers health benefits) is going up more than 50%, from $450 per month to $680 for our family of four. This is supposed to be a "catastrophic" policy, as our deductible is a whopping $15,000 per person. Of course, when we actually had a "catastrophe" this past year costing way more than $15K, they denied coverage. Unbelievable.
I have not yet read the fine print but hope that this premium increase will at least come along with some additional coverage. For example, I heard that high-deductible plans are not ACA compliant, so maybe my deductible has gone down . . . Will also be shopping on the "exchange" to see if those policies might be cheaper or better.
My insurance costs went to $0 at first, because my existing policy was cancelled. Yay!
Now I finally have a new policy, it claims to cost nearly $0, so a big savings off the $1200 a month or so I was paying before. Except it doesn't seem to cover much, if anything, and requires me to use a doctor who, well, let's just say few people in my community were lining up to see him before...
So who knows what the real cost savings will be, since I may have to pay even more out-of-pocket, and a higher deductible, and so on.
Thanks for letting me keep my plan, and my doctor. Not.
$1200 a month would cover a lot of office visits with your doctor of choice, I would think.
Though if I had anything serious, I'd then have to go visit Dr. Death to get into The System and get the treatment covered. Boo.Quote:
Originally Posted by JaneV2.0
Sorry to hear that and a bit surprised. We have a plan that includes our highly ranked regional hospital / trauma center and it seems like hundreds or maybe thousands of doctors in their network to choose from. We had about 20 different plan choices with a variety of insurance companies to choose from (Anthem, Kaiser, Blue Shield and a couple of smaller ones.)Quote:
Originally Posted by bae
Did you have a limited selection because of your location?
I live in a remote rural area, on an island. Only a couple of doctors here. Anyone else is a day+ commute, and about $75-$100 in costs to get there/back.Quote:
Originally Posted by try2bfrugal
Strangely enough, if there's a Walmart on your island and you're interested in becoming a greeter, you can get much cheaper insurance and a much larger network of doctors and hospitals under their employee plans than you can under Obamacare. http://washingtonexaminer.com/surpri...rticle/2541670Quote:
Originally Posted by bae
I hope Rob sees this...he could get a really nice policy with lower deductibles for as little as $40 a month.
$40/Month sounds pretty swell. Our final tally is in. For just DD2 and I (DW has employer provided) we went up $122/month from our old policy that got cancelled. That's the good news. The down side is that in order to keep the increase relatively reasonable our deductible went from $2500 to $6000. And we dropped from 5 office visits at $0 each to 3 at $20. Joy!
You have to be a lawyer just to figure out what the options are when reading the fine print, it seems. Heart breaking to read this. I had not realized that hospitals and doctors could opt out of providing care.