re: Health Insurance Premiums and Deductibles.....

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It’s just not worth the risk to me. One big surgery can frick you without insurance. Or one round of biological drugs - I spent a year having to take twice weekly injections and without insurance they would have been $4200 per month

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That's why I said get Obamacare. Find the cheapest plan you can. You are paying $7200 a year in premiums, if you can find something for $100ish a month with a 5k deductible you'll be saving 1k per year.

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Btw - anyone who hasnt used those discount cards...needs to.

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I’m married and my company won’t let us be on the same plan. So we each pay $65ish a month for the same coverage. $300 deductible, $3k max oop

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Annual deductible In Network
$0 Individual; $0 Family
Out of Network
$650 Individual; $1,300 Two-person; $1,950 Family
Out-of-pocket maximum In Network
$1,600 Individual; $3,200 Two-person; $4,800 Family
Out of Network
$4,000 Individual; $8,000 Two-person; $12,000 Family; excludes deductible
Primary doctor office visit In Network
$30 copay
Out of Network
70% of the allowable amount covered after annual deductible is met
Specialist office visit In Network
$30 copay
Out of Network
70% of the allowable amount covered after annual deductible is met
Inpatient physician and surgeon services In Network
90% covered
Out of Network
Inpatient physician: 70%of allowable amt covered after annual ded is met; inpatient surgery: 70% covered after $250 copay
Hospital copay In Network
90% covered
Out of Network
70% of the allowable amount covered after annual deductible is met and you pay $250 copay per admission
Outpatient surgery In Network
90% covered
Out of Network
70% of the allowable amount covered after annual deductible is met
Outpatient laboratory services In Network
90% covered (or you pay $30 copayment when included as part of office visit)
Out of Network
70% of the allowable amount covered after annual deductible is met
Outpatient X-ray In Network
90% covered (or you pay $30 copayment when included as part of office visit)
Out of Network
70% of the allowable amount covered after annual deductible is met
Emergency room In Network
If emergency, $65 copay (waived if followed by hospital admission); if non-emergency, 70% of the allowable amount covered after $65 copay
Out of Network
If emergency, $65 copay (waived if followed by hospital admission); if non-emergency, 70% of the allowable amount covered after $65 copay

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Costs
UHC Enhanced Medical
You Alone $70.00

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I canceled all mine and pay providers out of pocket. Much cheaper.

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Medicare for all is literally a program designed to be funded primarily by younger, healthier, working people and withdrawn by older, unemployed or no longer employed, sick people.

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Must be nice to be single and have zero responsibility

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