Quote:
Originally Posted by SusanStCatherine
Isn't over $1,400/mo premium rather high? Especially having to satisfy a $7,000 deductible?
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The insurance plan I'm on now (FloridaBlue BlueSelect Silver 1443) retails at just under $2000 per month. Of course no one actually pays that much, but that's the MSRP for it. I'm charged $436/month for that plan.
It's $12,000 deductible (for the two of us) and $17,400 out of pocket (for the two of us). Our copays are 50% for anything that's covered but not preventative maintenance (which has no copay and no additional cost at all). Prescriptions are $30 each for a month's supply, so I don't bother and get mine at Walmart or Publix without going through insurance at all. Of course that also means that what I /do/ pay for my prescriptions doesn't count toward my deductible.
Last year wasn't nearly as bad, the deductible was lower, the out of pocket was lower, the premium was lower, and the copays were lower. But because hubby's social security checks kicked in, we had to deal with a thing called "cost sharing" and that blew us into a different level, which meant that ALL our costs increased. Not just the premiums (which went from a high of $84 to $436 within a window of two months - approximately a 500% increase even though our income level only went up around 40%), but all our medical expenses covered by insurance.