reply to post by canadiansenior70
I cannot enlighten you, because, all I can say is that the ACA is nothing but a bailout for the Health Insurance industry, disguised as something
Obama did 'for the people'. Every bit of it was a lie.
It unfuriates me the more I discover about it, and I know quite a lot about it. There are two things, and only two things I find admirable about the
1. You cannot be cancelled due to serious illness which brings high overhead to the insurance company
2. You cannot be denied insurance due to a pre-existing condition.
Before, I used to have an HMO, I paid 118.00 every two weeks. I had a co-pay of 35.00 for a doctor visit, 200.00 for the ER, and 400.00 for a
hospitalization. Most prescriptions were 10.00 copay, and specialist was 45.00.
Last year, it went up some, 158.00 every two weeks, 45.00 dr visit, 250.00 ER, 450.00 hospitalization, and prescriptions were still 10.00. Specialists
went to 65.00.
Oh, and my epidural steroid injections were treated as outpatient surgery. 1800.00, of which I had a copay two years ago of 200.00 each, last year it
went up to 235.00. I could have up to 6 injections a year, but rarely had more than 3, sometimes 4. It seemed I never reached a cap, if there was one.
Any time I ever got any statements, it always said my portion that I paid was 00.00, obviously not true.
What else can I say? The previous posts outline my new payments, however, I was even misled on them. In fact, lied to.
My current premium is 335.00 every two weeks. A major medical deductible of 2700.00, and a pharmacy deductible of 2700.00. I still do not know my cap.
I think it is 10k, and that's PER PERSON. So, if my husband needs to go to the doctor, we start alllll over for him, too.
My employer kicked in 1500.00 on January 1, on the medical debit card I use, which I also have a pre-tax deposit made from my paycheck, seperate from
my premiums, of 67.00 and some change. Those deposits are every two weeks, and, like I said, pre-tax, so I am certain at the end of the year when I
file taxes, I will get spanked for using that money anyway.
Also, any unused monies on the debit card will roll over to the next year. Last year, people that had this plan, any money that wasn't spent was lost
by December 31. That is why I chose to stay with my HMO until it went away. I had no choice but to take this plan this year.
I could never comprehend how they could take money out of your paycheck all the way to the last pay period of the year, and if you didn't spend it,
you simply forfeited it. So that meant you had to make an appointment, or buy medications the last week of the year, and likely frivolously spend the
money to just keep from losing it.
This was likely why it was so hard to get any appointments when I got sick in October, and ended up not really being taken care of until February. It
took 31 days just to get an appointment.
edit on 18-3-2014 by Libertygal because: (no reason given)