Quote:
Originally Posted by tophcfa
Ya, Medicare, Medigap, and Pard D prescription is going to cost my wife and I about $800 per month for great national coverage with about a $250 max out of pocket each per year. We now pay over twice that for our Obamacare plan with a limited local network and about $8,000 max out of pocket each per year. That makes Medicare look dam good compared to our current options.
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For us, once we're on Medicare, our premiums will be higher than they are now because of our subsidies on the ACA marketplace. On the other hand, if we didn't have subsidies, we'd have to pay around $1800/month for insurance. That'd eat up one of our social security checks every month, and dip into another one by a few bucks. We'd have to do without insurance at all and just hope that we never need health care.
We paid in all our lives for Medicare, did everything we were supposed to do, but circumstances forced us into a much more modest retirement income than we were expecting.
To whoever was asking about co-pays - it's insurance-dependent. You pay whatever your insurance company says you pay. Mine says $85 per treatment, per specialist visit, per lab test. So treating my skin cancer will set us back around $2800, over a 6-week period Including the test/biopsy, consultation for treatment, weekly 10-second visit with the doctor who walks in, doesn't even come within 5 feet of me, says "looks good, see you next week" and walks out again. INFURIATING that they even have the right to bill anyone for that.