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Old 11-16-2012, 02:03 PM   #11
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Wow, I'm so sorry for those of you dealing with this. Our healthcare system is in dire need of change.

We are extremely fortunate. My husband is active duty Army and our health care is almost completely covered. (some things like IVF we still have to come out of pocket) I hear people complain about our insurance and just shake my head....they have no idea.

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Old 11-16-2012, 02:09 PM   #12
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Just want to clarify, I know insurance has a place and is valuable to some people. I am so thankful we had insurance when dd was diagnosed with cancer, we had awesome insurance then. They decided the next year to TRIPLE our premium because of some large claims (chemo, liver transplant) so we had to switch to the other ins.
Crappy insurance isn't always better than no insurance if you have an "average" family that rarely gets sick.
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Old 11-16-2012, 02:47 PM   #13
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Re: $250...

Quote:
Originally Posted by VinhThiMom View Post
I love love love my insurance. It is literally saving my life. My insurance has been billed over $100k this year for me alone (no surgeries yet, but I'm having one in a week or so and another in January). I've paid around $4k of that, plus $500/month for all 4 of us.
Oh, our insurance pays quite a bit too, but with my condition, it's just not enough. I'm thankful we have something, just wish it was more.
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Old 11-16-2012, 03:47 PM   #14
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Re: $250...

Most of my adult life I didn't have insurance and it was fine. I rarely get sick, and just deal on my own when I do get a cold.

But this year and last year we've had insurance and I'm not overly impressed. We're paying close to $5,000 for the year so that we can pay thousands more in deductibles before insurance kicks in? LAME! I've spent more on health costs in the last 2 years than my entire life. While I'm thankful to be healthy, the logical and numbers side of me feels like I'm wasting money.

Besides 2 pregnancies, I haven't had any medical costs. Even when I broke my toe last summer, I didn't go in because there's nothing they can do anyways. I wish insurance was more affordable for people that avoid going to the doctor. I wish insurance wasn't set up so someone isn't making a profit.
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Old 11-16-2012, 03:52 PM   #15
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Oh, our insurance is worth it. I have a $500 deductible but that is for surgeries and inpatient/outpatient procedures. Then they cover 80%. Our co-pay for specialists or regular drs is $25 whether we met our deductible or not. The $92 eye meds were $300. So I count myself lucky there. It's just that no one has really been sick all year and now it all piles on just. Before the holidays. I see a lot of specialists and usually end up in the ER at least once. So it's a good year. I also forgot we have an appointment with a psychologist for DS1 on the 28th. Ugh. It wouldn't be so bad if it weren't all happening with the holidays right around the corner.
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Old 11-16-2012, 05:03 PM   #16
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In college I carried a sickness and injury plan. It was pretty inexpensive and if something traumatic where to happen, I would rack up hundreds of thousands in debt. If I had to choose at this point in my life, I would look for something like that.

Its great I don't have to pay for health care. The system sucks but I am happy that I have the option of paying if I want to get out of military medical facilities.
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Old 11-16-2012, 06:28 PM   #17
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Re: $250...

We have an HSA. DH's company couldn't afford the traditional PPOs anymore, and does not offer it. We pay the first $8,000 for anything that isn't preventative care. Preventative care is free. After $8,000, everything is free. We manage to hit the deductible every year.
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Old 11-16-2012, 08:51 PM   #18
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I'm very thankful for our insurance whatever coverage that might be. Currently have an HSA with $5000 deductible with $6000 family max OOP. This has been quite a year. Ds2 was diagnosed with special needs. Through all the testing and therapy sessions exams and evaluations I'm grateful that I don't have to stress over more than we can handle.
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Old 11-17-2012, 05:19 AM   #19
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We are super super blessed. Regardless I will always carry insurance. You never know what can happen and I firmly believe insurance clients get better care and have more options. Regardless if that is fair it is true.

We pay $1200 a year for our family coverage. We have a $250 deductible and it pays 90%. We can go anywhere and see anyone. It's amazing.
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Old 11-17-2012, 06:39 AM   #20
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Originally Posted by mjg2043
We are super super blessed. Regardless I will always carry insurance. You never know what can happen and I firmly believe insurance clients get better care and have more options. Regardless if that is fair it is true.

We pay $1200 a year for our family coverage. We have a $250 deductible and it pays 90%. We can go anywhere and see anyone. It's amazing.
That sounds amazing. You are blessed.
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