Quote:
Originally Posted by epitome
What is this shit? Beginning on January 1, 2014 my boyfriend and I (dumb Obama made it so that domestic partners could go on a plan together) will both have this insurance for a little over $800/mo:
Blue Cross
No deductible
$2k out of pocket annual limit (including copays)
$10 doctor visit
$20 specialist vist
$10 prescriptions
THIS IS OUTRAGEOUS! THIS SHIT WOULD HAVE ONLY COST $799.95 BEFORE OBAMACARE! HEALTHCARE PRICES ARE SKYROCKETING!
That price is so manageable that I decided to skip seeing if we could have any subsidies... don't need them... plus the site to check is down since the government is shut down.
(Wasn't Minte saying that the deductible was going to be too much for most people? $0 is indeed too much for us!)
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Hate to tell you this, but that is a decent plan and price for two people. If you have per-exciting conditions, this is a really good deal.
If you raise up your out of pocket costs, your monthly will go down significantly.
For example, take your copay and Rx plan to $40 or $50 more and look into a health savings account -- this is PRE tax dollars you can use. If you dont have a lot of prescriptions or go to the doctor often, this will work better.
Most people, and no offense to you, but are suckers when it comes to health insurance and want the lowest cost possible, hence why insurance companies make a ton of money. When I had to buy a plan on my own a few years ago, I put the highest limits because I never go to the doctor, so I was okay with paying a $50 copay.
My wife on the other hand is a frequent visitor of the doctor and often sick, so for her plan, we chose something with a lower copay and figured out the cost benefit.
At the end of the day, it's not the doctors making more money, its the insurance providers on both ends
