Quote:
Originally Posted by Virginians
I don't agree that health care is expensive.
Before we retired, my wife's job paid $550/mo, we paid $275 and our average co-pay divided by 12 mo = $25. Up until last month our health care cost $850/mo and we didn't care because her work paid for most of it. 6 months ago I had a colonoscopy costing $4000 and didn't care because our co-pay was $100.
Now that we are on our own, I care and like when I buy a car, I shopped around. Our new Anthem insurance policy is $ 330/mo. Its very simple. Every year we pay the first $6000 and they pay the rest up yo $7,000,000. Worst case would be divide the $6000 by 12 to get $500 added to our premium of $330 = $830 per month. Best case would be $330/mo.
My daughter was shocked to learn about our low premium at 62 years old. For her family the same coverage turned out to be $139/mo. By the way my next colonoscopy will be at a better rated place that Anthem has negotiated a cost of $900.00. The policy also pays 100% of yearly check ups including mammograms.
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I have a similar policy--- a "Health Savings Account" aks an HSA... "expensive' is a relative term... our deductable is 5000 dollars annually, after that 100% covered for the year.
If you are an 18,000 dollar a year, just out of college, social worker that kind of deductable would kill your finances...
Look... this health care stuff comes down to 1 issue: is health care a commodity-- like shoes, cars, furniture, or, is it a right that all Americans should have regardless of income or health status??? Pick up that debate