Posted on 01/11/2024 10:30:49 PM PST by SeekAndFind
Yes.
I noticed, since the Obamacare kicked in, the healthcare went down drastically.
The appointments, which used to take days, take now months!
And the costs are skyrocketing!
Something is clogging the system.
I haven’t had insurance since Obamacare made my catastrophic plan illegal. It was $200 a month, for the 3 of us, 10,000 deductible and No Copay. $2 million cap per. So I have always paid for the basic stuff myself.
I have been going to same doctors office for almost 40 years now and I usually just pay an office visit of $125 for everything I need, sometimes a little more depending but always $500 or less. Last time I got stitches it was $500, but if I had insurance the office billed the insurance company $3500 to get their $500 in the end.
I managed to lower my income significantly last year and signed up for Obamacare at $122 per month with $7k deductible for each of us. It started a week ago. I will NOT USE IT for normal crap that happens and instead will do what I have always done, PAY CASH to my Doctor.
I recently got a blood clot in my knee, when all was said and done, it cost me $2500 with No Insurance, but my Hospital has different prices depending on who is paying the bill and they LIST IT on the Bill. If I had Insurance they would have billed around $12,000 to get that same $2500 and it would have cost me $7,000 to satisfy the deductible and because of my normal income, the premiums would have been $1100 a month.
If you do the Math under Obamacare it would have cost me 20,000 to get $2500 worth of medical care.
We have the best insurance plan that is available to us through my wife’s job. It’s pretty expensive. She works in an oncology clinic in the laboratory. That being said, our deductible is $3,000 and it just restarted on January 1st. I am a cancer survivor, but I still take immunotherapy meds, along with all of my other meds. I’ll hit the $3,000 deductible before January is over. We literally have to set aside money all year in anticipation of this. It sucks. Then I see these commercials adverstising 0bamacare where some guy says, “My gov’t insurance is only $30/month” but then you see in very fine print the two words, “with assistance.” Wish I could get some “assistance” with our insurance, but apparently we’re “priveledged.”
IF there were not so many non-stop ads on TV telling people about this or that & the medications:
Would people stop being so PARANOID about their own health?
YOU “MIGHT” have this...
YOU “MIGHT” GET THAT...
PAY MORE ATTENTION TO YOUR OWN BODY-—Quit being scared into non-stop exams & medications.
I have not had any prescriptions for over 20 years.
DO NOT have a “GP.”
DO NOT HAVE a ZILLION “Appointments” on my calendar for this doctor or that doctor.
Had cataract surgery 6+++ years ago.
Had Dental surgery 4+++ years ago.
Neither would have been covered by Medicare at that time.
Worked out a deal a bit & paid cash-—no problems.
I know people that have too much time on their hands & too little common sense.
THEY THINK they are sick with SOMETHING-—all the time.
I just had a knee revision surgery. With PT included cost about $1200. out of pocket . hospital Billed $70k. BCBS payed out about $25k (Retired on medicare)
Two of the systems are among the best hospitals in the World & the County System is among the best trauma & burn centers in the country.
They all know the Medicaid system pays.
Medicaid is for poor people. It covers 100% of all billed services.
You’re confusing it with Medicare.
Medicare is a program for the elderly. It is still better than most private standard health insurance, even from most employers. You can get a Plus program payment free with lower out of pocket expenses that the premiums paid for a Medicare Supplement.
I’ve had a life & health Insurance license for 30 years.
I put my parents on a Medicare Plus program more than 15 years ago. My father had several health problems including suffering a mild heart attack with stent installation as well as a several day stay in the hospital for Diverticulitus in the same year. He NEVER reached his $2,000 Out of Pocket maximum expense until he developed terminal liver disease at 76. He died three years later.
My wife & I pay more than $6,400 a year for premiums for our employer sponsored HSA program that has a $7,000 deductible for a family of six.
We spend $13,500 before the Insurance pays a penny. We often exceed the out of pocket. We have six boys. They all play sports.
People in poverty have better healthcare than most working & middle-class families.
Only Real Solution:
1. Competition
2. Quantity of available physicians.
Neither insurance, pharma, med. schools, #1 and #2 want these. ✖️
Solution: Antitrust prosecution.
The ONLY way.
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