That’s just premiums
What about the deductible and the co-pay?
I read many families now pay tens of thousands for nothing except a 20% discount if and when they ever reach their deductible
That’s right. And most families I talk to don’t ever spend the deductible in a year so they are basically getting what used to be catastrophic insurance, except the premiums are much higher because it has to cover everything, whether you need it or not.
Right now our Doctor Visits have a $25 Co-Pay.
Emergency Room is $100 Co Pay and Hospitalization is $300.
Prescription Co-Pays average about $20 each Per Month because most of our stuff is through Mail Order.
So far, no Emergency Room Visits and I managed to stay out of the Hospital last year by the skin of my Teeth when my Immune System took a dump. Lots of Dr. Visits though. #;^)
It sure adds up...