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View Diary: Unaffordable co-pays and deductibles, death by a million cuts for insured Americans (248 comments)

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  •  There is resistance because we live in a country (44+ / 0-)

    where there are misguided and brainwashed people who believe that if someone gets cancer, or diabetes, or suffers a stroke or debilitating injury, then someone else must profit from it. It is such a sick and dangerous system.

    I invite anyone, anyone who believes private insurance is the answer to walk a mile in my family's shoes. Almost $6k per year in premiums, $2500 family deductible, medication costs exceeding $200 per month and co-pays of $40 minimum. No coverage for autism, minimal mental health coverage (to the tune of about 30% even though it's supposed to be 70% coverage) and a limited physician network. And this is considered "good" insurance, folks, through my husband's employer. The insurance company generates so much useless paperwork it makes my head spin. In approving my husband's recent MRI, they sent a letter that said, in essence, that they were 'approving' the procedure but that didn't necessarily mean they would pay for it. (Huh?!?)

    When any of our family members goes to a new doctor, we fill out the same forms and often duplicates or triplicates of the same damn data. And if the physician is new, we have to hope they receive the records from prior doctors.

    And the right-wing lies about socialized medicine don't scare me a fucking bit because we lived in Canada for three years and experienced excellent, affordable, quality healthcare. Not to mention additional funding for our children with special needs which we didn't even have to use in its entirety because the public schools were so excellent.

    Keep up the fight, Eve, because healthcare reform 2009 was only the very beginning of what is needed to enact real, meaningful healthcare reform.

    •  This is an important post because (10+ / 0-)

      it shows the amount of money you pay to insurance.

      At a minimum it is $6k /year with extras. Would it matter if that were taxes or a medicare assessment? It would be more palatable to me if it went to care than to some ghoul's ledger........and then into some sort of skeevy derivatives portfolio.

    •  Same here, re: private insurance... (5+ / 0-)

      I am self-employed, and thought I was fortunate to be able to finally get pay for medical insurance three years ago. Monthly premium then - $450,  with a $2500 deductible, just for me. Yep, it has gone up several times. Next month I start paying $640. I can barely afford it now, and can't stand another increase.

      I have never made a claim. If I became really ill, they would probably dump me, although from what I understand, the ACA would prohibit that now. I hope that's true.

      For contrast, my husband was lucky enough to wait (!) to contract throat cancer until he was two years into Medicare, with a supplemental policy.

      He just completed radiation and chemo. The total billed was somewhere around $200,000 - of which Medicare and the supplemental paid all but about $3,000.

      His premiums are half of what mine are, and I am twelve years younger than he.

      I would be thrilled to pay $500 a month for Medicare, and know I was covered for whatever medical treatment I might need.

      Medicare for all. I am willing to pay for it.

      "In other words, if we bust our butts, there's an even chance things will get better; and if we sit on our butts, there's a major chance things will go completely to hell". --- G2geek

      by Lorinda Pike on Sun Mar 18, 2012 at 07:38:48 PM PDT

      [ Parent ]

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