Quote:
Originally Posted by merrymini
Good luck. I do not know what things are like now but when I was in this situation, I paid a fortune in premiums for health insurance which are tied to age. Even though I had a $10,000 deductible, they would not pay for urgent care and was limited to geographically limiting health care unless it was a dire emergency necessitating an ER or hospitalization. I could not wait to be 65 so I could get on medicare. Obamacare was a scam.
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"Obamacare" is a legislative act, not a health insurance plan. You picked the wrong plan, probably an HMO or a limited-network PPO or POS.
I'm on FloridaBlue PPO with a zero deductible plan, but it has a $9700 out of pocket max. I pay discounted fees and $85 co-pay for services OTHER than the main yearly checkup, labs, mammography, routine colonoscopy, pap smear. Once that total hits $9700, I'm done paying for anything other than the premium (which is paid for currently by rewards points because I participate in their rewards program).
So my $25,000 hip replacement - if I get nothing else done all year, will cost me $9700.
The network is limited, but if I'm out of state and still in the country, I have access to doctors that participate with Blue Cross/Blue Shield/Anthem nationwide.