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Reply #1: that is why folks pay for supplemental to medicare [View All]

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dugaresa Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Oct-01-09 10:05 PM
Response to Original message
1. that is why folks pay for supplemental to medicare
Edited on Thu Oct-01-09 10:07 PM by dugaresa
my mom has the supplemental she pays $72/month.

I on the other hand have employer based care and

I pay $600/month for a family of four. I have a $2000 deductible for all care.

After that I have to pay 20% of the allowable until I hit a $4000k out of pocket and then they will pay 100% past that point.

So I am paying $7200 year for healthcare just to have it. If I use it for each one of us I have to pay all the bills for the first $2K.

So $9200 and then if we are really sick it goes up to $13,200 out of pocket max for the year.



edit: I also want to add that the employer wants to dump health insurance and go to HSA's.

That will be far more expensive. All 4 of us have chronic but not life threatening illnesses, the cost could skyrocket.
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  -To everybody who thinks they want Medicare for all, check this out. napi21  Oct-01-09 10:01 PM   #0 
  - that is why folks pay for supplemental to medicare  dugaresa   Oct-01-09 10:05 PM   #1 
  - That's very expensive employee costs. When my husband was  napi21   Oct-01-09 10:15 PM   #9 
  - Average is around 4,000/yr direct out of pocket costs per employee.  Warren Stupidity   Oct-01-09 10:22 PM   #11 
  - to be honest, I wouldn't mind a government run system because then I could  dugaresa   Oct-01-09 10:30 PM   # 
  - what was, isn't any more  cap   Oct-07-09 06:23 AM   #82 
  - i'm on medicare, and disabled- so NOBODY will sell me supplemental coverage...  dysfunctional press   Oct-02-09 01:26 AM   #65 
  - You are correct. It is only really good when you are poor enough to  jwirr   Oct-01-09 10:09 PM   #2 
  - Now add in the additional premiums paid by younger, healthier people  DJ13   Oct-01-09 10:10 PM   #3 
  - True.  DURHAM D   Oct-01-09 10:18 PM   #10 
  - They'd make a higher percentage but the dollar volume can't be touched  TheKentuckian   Oct-07-09 04:48 AM   #80 
  - Bingo "...Medicare covers the most expensive segments of our population..." nt  slipslidingaway   Oct-01-09 10:30 PM   #18 
  - Premiums?  Yo_Mama   Oct-02-09 01:15 AM   #62 
  - Medicare is NOT free  CountAllVotes   Oct-01-09 10:11 PM   #4 
  - That's why a major focus has to be on cutting costs nt  ecstatic   Oct-01-09 10:11 PM   #5 
  - Yep - and the boomers start turning 65 in a few months.  DURHAM D   Oct-01-09 10:12 PM   #6 
  - Beats the $1000/mo my wife was paying  hobbit709   Oct-01-09 10:12 PM   #7 
  - As I said before, it's better for those being raped by the ins co's, but  napi21   Oct-01-09 10:23 PM   #13 
     - When you're paying $1000+/mo even $400/mo  hobbit709   Oct-02-09 07:12 AM   #67 
  - Makes me realize that I need to research Medicare more.  parasim   Oct-01-09 10:14 PM   #8 
  - That $3700 refers to the premiums. There is no premiunm for part A,  napi21   Oct-01-09 10:28 PM   #16 
  - Its deducted from your SS check if you are receiving one.  DURHAM D   Oct-01-09 10:35 PM   #24 
     - Hmmm...probably because they wnt you to take the lower  napi21   Oct-01-09 10:40 PM   #26 
        - Yep - and people used to be advised to take it early and invest it elsewhere.  DURHAM D   Oct-01-09 10:46 PM   #29 
           - I didn't know you could do that! IMy husband kept teloling me to take mine early  napi21   Oct-02-09 12:11 AM   #50 
  - Part A is what you pay into via the deductions from your wages -  DURHAM D   Oct-01-09 10:30 PM   #20 
  - Medicare should cover 100% right now ...I am on Medicare. I pay $96. a month premium for Medicare  bkkyosemite   Oct-01-09 10:22 PM   #12 
  - What is covered under Medicare would change in a Medicare for All...  slipslidingaway   Oct-01-09 10:27 PM   #14 
  - If you are over 50 and can get insurance for $300/mo. buy it now!  rgbecker   Oct-01-09 10:27 PM   #15 
  - If you are UNDER 50 and can get insurance for $300/mo. buy it now!  MajorChode   Oct-01-09 11:55 PM   #40 
  - Well, you can GET such insurance, but  Lydia Leftcoast   Oct-01-09 11:56 PM   #42 
     - Mine is too. Plus doesn't cover 2 pre-existing conditions. nt  raccoon   Oct-02-09 07:41 AM   #71 
  - One would think that the premiums would go down substantially, if young people...  BlooInBloo   Oct-01-09 10:29 PM   #17 
  - Along with Medicare A and B  madamesilverspurs   Oct-01-09 10:30 PM   #19 
  - That's right, it's no panacea, but  marybourg   Oct-01-09 10:30 PM   #21 
  - Careful when you say there are no limitations. There are.  napi21   Oct-01-09 10:36 PM   #25 
  - Ok I need to ask  nadinbrzezinski   Oct-01-09 10:31 PM   #22 
  - The big difference between Medicare and the insurance companies  Merlot   Oct-01-09 10:31 PM   #23 
  - Bush's Part D/pharmaceutical give-away . . . should be changed immediately . . .  defendandprotect   Oct-01-09 10:41 PM   #27 
  - I think Blue Cross Blue Shield also has a major portion of the supplemental market.  DURHAM D   Oct-01-09 10:56 PM   #30 
  - That was part of the Obama plan and was said to save up to 30 billion...  slipslidingaway   Oct-01-09 11:55 PM   #41 
  - Only THREE hundred?!!! - Mine cost over SIX hundred, and I didn't get SQUAT from Blue Cross!!!  TankLV   Oct-01-09 10:42 PM   #28 
  - I pay $2400.00 a month for three people now.  peace13   Oct-01-09 11:17 PM   #31 
  - $300/month is an awesome deal!!!  DBoon   Oct-01-09 11:32 PM   #32 
  - Yah! All those responses and you finally SAID it!  Mind_your_head   Oct-01-09 11:42 PM   #34 
  - (ahem)  BlooInBloo   Oct-02-09 12:49 AM   #59 
  - SO MUCH CHEAPER THAN WHAT MOST PEOPLE PAY!  K8-EEE   Oct-01-09 11:46 PM   #36 
  - SO MUCH CHEAPER THAN WHAT MOST PEOPLE PAY!  K8-EEE   Oct-01-09 11:46 PM   #37 
  - I pay more than that for auto insurance  MajorChode   Oct-01-09 11:59 PM   #45 
  - Imagine the incentive to improve it if everyone was using it.  jgraz   Oct-01-09 11:41 PM   #33 
  - In addition to not for profit insurance that is one of the best arguments...  slipslidingaway   Oct-01-09 11:44 PM   #35 
  - +1. nt.  tosh   Oct-01-09 11:58 PM   #44 
  - A discussion of a not for profit, Medicare for All plan...  slipslidingaway   Oct-01-09 11:52 PM   #38 
  - Will check out your links. And thanks. n/t  truedelphi   Oct-03-09 01:36 PM   #77 
     - Thank you, link for part 2 is below and this should be part of the ...  slipslidingaway   Oct-03-09 10:14 PM   #78 
  - That's a damn good deal..........And good deals are much better than an imaginary "panacea".  Faryn Balyncd   Oct-01-09 11:52 PM   #39 
  - I don't understand what you're expecting  MajorChode   Oct-01-09 11:58 PM   #43 
  - Yes, We'd all like that. Don't worry about where the money...  TreasonousBastard   Oct-02-09 12:07 AM   #48 
  - We have Medicare Supplemental  TicketyBoo   Oct-02-09 12:01 AM   #46 
  - Perhaps a sliding scale based on income? nt  WeekendWarrior   Oct-02-09 12:01 AM   #47 
  - Still looks pretty good to me  bhikkhu   Oct-02-09 12:08 AM   #49 
  - DU should not be talking down Medicare.  madfloridian   Oct-02-09 12:25 AM   #54 
     - madfloridian, a question...  pengillian101   Oct-02-09 01:25 AM   #64 
     - My aunt just qualified for Medicaid and she is in a nursing home now....  PassingFair   Oct-02-09 07:36 AM   #70 
        - Your Aunt is lucky to have you looking after her. n/t  pengillian101   Oct-07-09 01:42 AM   #79 
  - I was shocked to learn how inadequate Medicare is when  Liquorice   Oct-02-09 12:15 AM   #51 
  - Medicare for all would still save $400 billion a year  Juche   Oct-02-09 12:17 AM   #52 
  - Okay....let's have the kids take on their over 65 parents medical bills..  madfloridian   Oct-02-09 12:19 AM   #53 
  - +1  Mind_your_head   Oct-02-09 12:33 AM   #55 
     - It is not perfect, but there is seldom much else to pay. Gives seniors dignity.  madfloridian   Oct-02-09 12:40 AM   #56 
        - I totally agree! eom  Mind_your_head   Oct-02-09 12:45 AM   #57 
  - First and foremost - I reject the overpriced Part D.  Hawkeye-X   Oct-02-09 12:48 AM   #58 
  - Most of the supplements have drug coverage anyway.  madfloridian   Oct-02-09 12:50 AM   #60 
  - In my experience  TicketyBoo   Oct-02-09 01:14 AM   #61 
     - Yep - Most insurance companies that offer supplementals don't offer any drug coverage. nt  DURHAM D   Oct-02-09 09:34 PM   #73 
  - My part D  TicketyBoo   Oct-02-09 01:16 AM   #63 
  - Part D is for Drugs  pengillian101   Oct-02-09 01:34 AM   #66 
  - Unless you have virtually NO drug expenses  TicketyBoo   Oct-03-09 07:27 AM   #75 
  - Wow - that sure beats the $13,000 a year for premiums,  Vinca   Oct-02-09 07:16 AM   #68 
  - Compared to most of the alternatives..  sendero   Oct-02-09 07:16 AM   #69 
  - We don't want a panacaea. We want medical care for all.  Orsino   Oct-02-09 08:37 AM   #72 
  - Less than half of what we're paying now - nt  ThoughtCriminal   Oct-02-09 09:38 PM   #74 
  - Hmm. And what would your private insurance premiums be?  mainer   Oct-03-09 07:29 AM   #76 
  - I am eligible for medicare, but I am opting instead for my employer's  RebelOne   Oct-07-09 05:54 AM   #81 
 

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