our congresscritters do nothing but piss me off. These a$$holes cough and then rush over to Bethesda Medical and get top notch treatment instantly. It doesn’t work that way out in the real world. As a pilot, they should have to use the Medicare system for 4 years before cramming govt run health care down our throats.
I have insurance but never, i mean never, use it for anything other than routine check ups - I would come out ahead if I were to drop the insurance and pay as I go. The only conforting thought about me insurance is the IF I get cancer or need some catastrophic care I am covered. Been paying for 20 years with no realized benefit as of yet.
Same here. Basically catastrophic. Some routine stuff is covered.
When doc gives me an RX (always a brand name), I ask if there is a generic version. Many times there is. They look stunned that I would even ask. Doesn’t your insurance cover it, they ask. I say no and even so, why should my insurance pay 3 or 4 times more for a brand name if a generic is just as good?
If more people did that and opted for generics, I’m sure drug costs would go way down. But for many insurance plans, no matter what the RX, you only have a few dollars, so there’s no incentive to seek a cheaper option. With our insurance, we only get a small discount - maybe 10-15%.