They are complete sh** policies.
400 bucks a month, 4-6 grand deductibles and 50% copay on everything. Useless.
I want my old catastrophic plan back at about 250 a month with a 5K deductible. The doctors visits I’ll pay for myself.
Full eye exam self pay 50 bucks
Colonoscopy self pay 750.00
Exactly. When I was growing up in the 60s-70s, my father, a union autoworker, did NOT have so-called “health-care insurance.” It was called “hospitalization insurance.” It covered broken bones, surgeries, and child birth, etc. It did not cover doctor visits, prescription drugs, and other routine
procedures. Insurance of any kind is only supposed to cover low-incidence, high-cost events. Homeowner’s insurance doesn’t cover burned out light bulbs; auto insurance doesn’t cover dead batteries. Neither covers so-called pre-existing conditions. You can’t buy fire insurance after your house burns down and you can’t buy auto insurance the day after you total your car, expecting the new insurance company to pick up the tabs for your pre-existing conditions.
Health care insurance should only cover catastophic, major medical expenses—high-cost, unexpected events. Routine medical expenses, prescriptions should be paid out-of-pocket.
And no insurance policy should be made to cover so-called pre-existing conditions. That’s insane.