Quote:
Originally Posted by OrangeBlossomBaby
My current insurance plan will cost less next year. But the out-of-pocket max will go up. It has no deductible. So I'll be paying $45 every time I go to my PCP, and $85 every time I go to a specialist. That's until I've spent $9,450. Insurance will pick up all covered costs after that. So basically - my hip replacement will cost me $9,450, if I end up needing it next year. The doctor said I was definitely a candidate last year but the cortisone shot was still working so I put it off. The shot wore off, and the pain is only unmanageable once in awhile, not every day. So I might be stuck paying more for normal services this year - and then NEXT year spend another $9,450 for the hip replacement.
It's pretty sad when you finally get to the point when you're done working for a living, and spend most of your time WISHING you were in enough pain to need surgery.
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I hear ya, I need a left knee replacement and bone spurs ground out of my shoulder, but the super high deductible and max out of pocket make the procedures very expensive. Grinning and bearing the pain a little longer until I’m eligible for Medicare. Once eligible, I will get a Medigap policy (the cost of Medicare part b and a good Medigap supplemental plan and part d prescription plan will all be way cheaper than my current high deductible Obamacare plan) and get both surgeries done and only have to pay the approximately $245 annual deductible. I don’t want to get any older, but becoming eligible for Medicare will definitely help ease the pain.