I just finished sitting down with the insurance man who is trying to sell individual medical insurance policies at work. It was a whirlwind of deductibles, co-insurance, co-pays, out of pocket limits, premiums, and drug coverage. And that was just the stuff I understood! Here I am trying to make an informed decision and I really have no idea what's going on.
The one question I have is: didn't insurance used to take care of people like me who hardly ever go to the doctor?? Now it seems like they sell high priced, crappy insurance and bill it as "catastrophic event insurance". There is basically no affordable coverage remaining for those of us who may need an OBGYN visit or a chest x-ray in any given year.
Instead, at the minimum, you end up paying $150/month/person in premiums and having to pay extra out-of-pocket anyway. And I'm one of those people who have NO health problems. It's such a racket.
It's so frustrating because you don't dare to go without insurance either - what if you do get in a car wreck or accidentally get pregnant? Then what??
Sigh...what's the answer? Universal health care? Health care reform and regulation? Tax credits to find your own individual insurance policies? All of the above??
As soon as someone figures it out , please call me at home. I'm here, sitting on the couch, feeling very overwhelmed....and MAD.
1 comment:
haha - now imagine if you are self employed. Try to get ANY even decent insurance for under 600/month.
Not freaking gonna happen.
Anyways- welcome to my nightmare right now. I am looking into individual health/vision/dental insurance (for two healthy people)
Even at my current job I pay like $40+/wk. And then like $20 copay for a gp, $50 for a specialist, my prescription co-pays- I have to change my b/c prescription (which I loved) to something which I don't particularly love to save like $50/month. The generic of my old pill cost $63/month. Ridiculous.
And seriously-
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