Re: Health care

Posted by JML755 on February 10, 2016 at 10:03:12 from (97.78.165.185):

In Reply to: Health care posted by Mike M on February 10, 2016 at 06:01:47:

This is one of my favorite "rant" topics.

First, my daughter is an attorney who specializes in health law, works for a drug company dealing in regulation and compliance. When Obummercare was passed, she read the bill and told us "wait till this actually goes into effect and people try to use it. the s--t will hit the fan." She's in the "I told you so" mode now but no one is listening...yet.

Secondly, I have a Medicare Advantage plan with not-too outrageous monthly premium but my deductible is $5000. So, far, I've paid nothing for regular doctor visits, I think because they are "in-network". When trying to decide on a plan, it's very confusing and the 1 or 2 sentence summaries are written in such a way that it's very difficult to make any decisions based upon what "fits your situation" as the health care companies advertise when looking at different plans.

When I signed up for one (BC/BS Signature) I read the inch-thick book I got and you'd be hard-pressed to forecast what your true costs would be if you actually NEED any of the services.

As for prescriptions, my co-pays actually went DOWN for my 3 maintenance drugs (between $ 2.14 and $7.50). That was for my FIRST 3 months of pills. I was pleasantly surprised But every refill thereafter has had an increase in the co-pay, so now the cheapest is $5+). Not a huge deal but I see the trend. :roll:

My wife switched employers last year. Worked for a large hospital, had a great plan affiliated with that hospital. Her new employer (another large hospital) provided a plan (also closely linked with it) that costs her double was she had before, has nowhere the coverage and a multi-thousand dollar deductible. So far, she's had a few procedures in the last six months and I don't see where the plan has paid ANYTHING! This goes to the point of others on here that people are being hoodwinked into thinking they've got something of value (health insurance) when in fact they have to pay 100% until they reach some ridiculously high deductible.

My daughter just turned 26 and had to move off my wife's insurance and get her own this month. Healthy, single, she's paying $600+/month with a multi-thousand deductible. She probably won't need to use it at all over the next year, let alone reach the deductible limit so she will be paying $7000+ for nothing in return. This was the target market for external_link: young healthy individuals paying to subsidize the folks who elected this guy (47%'ers)

And finally, I just received my 3 month bill for Medicare Part B which was $399. It went from $104/month to $121 and I also had to pay the difference for Jan-Feb of this year that I had already paid for. Luckily I'm still working. I wonder how may retirees are looking for that extra $75 or so this month.

Yet, Insurance companies are losing money on external_link (United bailed) and my doctor is struggling with his increased costs and reduced reimbursement rates, so who is benefitting from all this? The only ones I can tell are the 47%'s who sit on their couches watching Oprah, on Medicaid or getting their health care subsidized.

Replies:

• Re: Health care CaseChev 11:10:02 02/10/16 (0)

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