priscella said:
That health insurance with the three thousand dollar deductible looks pretty good for 300 a month at least until you can get on medicare which is in your case many years away. If you have a emergency for x-rays and mri"s and doctors and whatever that 3000 dollars will be used up and then the insurance will kick in and pick up most of the rest----you are protected this way because you are a property owner if you have high bills owing that could put a lean on the property for your heirs to pay.
Well, $300 X 12 months = $3600 + $3000 = $6600 I need to pay out minimum per year before they would pay anything towards my bills. Also with that group you don't pay for just one year. If you leave you are not allowed back in. In the past twelve years I've only spent about
$4000 total for all my medical and dental needs
vs $3600 X 12 = $43,200 + the three years I needed it so ($3,000 out of pocket X 3 = $9,000) =
$52,200 That's a HUGE difference! Plus my bills were never high enough that they would pay anything towards them. So, I would be in the exact same situation except I would have wasted $52,200. That's crazy! I call that a scam!
Also, I have discovered that there are many different pricing schemes. The lowest medical costs are given to the ones without insurance paying cash. I usually show up somewhere and ask for an estimate for a certain procedure. After I get the stupid look from them, they nearly always say they don't know, blaaa, blaaa, it may cost more if, blaaa, blaaa. So, I don't leave and I continue pressuring them for a quote. They usually get upset, and then they go ask the doctor. They return and say that the doctor doesn't do the billing we do. The doctor just gives us the codes. But, he said he could use so and so code and it would be $XXX for that. That is FAR less expensive then what the person with insurance sees. I decide whether it's actually worth it or not.
Normally with insurance, the doctor stacks on all kinds of codes, without knowing the costs, and the billing group moves the level to the highest point. The insurance company either pays it or pays what they will. Then the remainder is charged back to the patient. It's all inflated prices so if one is willing they can argue that cost down or get it to go away completely.
Paying cash is so much easier too. It puts an end to all the BS jerk pricing scams. You pay what's agreed at the time and that's it. I get done what I need and I'm on my way. However, I have experienced that the quality care I received was also this is what you get now don't come back.
Health care really isn't needed when you are young. That's why Obama forced young people to pay for it, even though it was unconstitutional and later removed as a requirement, to make it work for the older sickly people. Now, that I'm getting older I will start needing more medical care so I have to check things out. But, other then an unforeseen event I'm still way better off NOT paying monthly premiums. So far my gamble has paid off. But the odds will be changing from now until 65. Nobody knows what's going to happen to health care in the US. It's a damn mess. Well, except for most of the politicians, the get premium health care and their own premium retirement system.
priscella said:
Check into catastrophe insurance for the hell of it and if anyone on this forum has more information. Check into Humana and see what they have and also Kaiser see what they can offer.
I did. Again it's not worth it unless I need a lung transplant or something because one needs to pay A LOT before any insurance monies are paid out. A forum user on another site had Kaiser and was quite happy with it. So, I checked into that. But, it's not available where I'm at. I checked Humana too. But, it wasn't such a deal either.
priscella said:
People live their lives and have to live according to their judgments and if you wish not to have insurance and take a chance its okay by me---but I wish you would have a policy of some kind to protect your hard owned home and heirs.
Okay, thanks. Ha! Ha! I have no heirs. A persons primary residence is automatically homesteaded. That means creditors can't take it if there are no loans on the property. The government always can though. Everything we own is at the courtesy of the government. In reality we own nothing. We are just allowed to think we do.
priscella said:
So far this year with the testing and broken bones and everything they must have paid in for me about 18,000 ---taking a guess here...Glad your checking.
Wow! You have some expensive bones.
priscella said:
I wish I could get you to change your flashing annoyance----------lol lol...on your posting---too much jumping around and you most likely did it on purpose to annoy me....Take care forum friend and Happy Researching...
If I'm able to successfully annoy you then I consider the day successful!!! Ha! ha! I was kind of thinking of adding something a little bit more flashy to my signature (what do you think?):
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https://i.gifer.com/U6uD.gif[/img]