16. I pay zero for mine too. However, it doesn't cover office visits
Needless to say, we don't run to the Dr. for every sniffle or fart that doesn't feel right. How we got it is; my husband's union negotiated with his company for those benefits and they are provided to the employees family and survivors. yeah, I know, unions are worthless:sarcasm:
$20 copays. No deductibles if you go to the PPO doctors, which is almost everyone where I live. This is for one person, not family. Family plan is double. If you go out of the plan I think the deductible is about $700.
9. We pay premiums as well, it is the annual out of pocket that could...
really hurt, different from the annual deductible. We're looking at a procedure that is 250K plus and then follow up treatment each year, nice way to take an 11K cut in income. Fortunately the policy has no maximum benefit as some policies do and happy to have something at this point.
14. That could really hurt, after 11,000 most everything is covered...
but we'll see. My husband was diagnosed with MDS in April, so we are looking at a bone marrow transplant if everything goes well these next few months, hoping we need to pay 11,000 each year for a long time.
I think her premiums are @ 2500/yr. But she pays very little out of pocket except her drug deductible. but mine is something else. @5000/yr in premiums and a $5000 deductible. They don't pay shit. So I sit here feeling like crap, wishing I could afford to see a doctor.
You can't imagine how I felt that night that Lieberman said he was OK with moving Medicare down to age 60. And then how I felt when he changed his mind.
21. I hope you do not need any as well! A few years ago our annual
deductible increased, guess we never paid attention to the annual out of pocket, but we are now. The NIH can be a good free resource, we almost went there, but then we would have to move to the area for a few months.
I do not know much about MDS but my brother has been diagnosed with a form of leukemia and has talked about offering himself as part of a study for new drug (as he has little coverage) My work is for the CDC (HHS and NIH) and while they offer BC/BS my premiums when I was covering my kids was approx. $16,000/year and BC/BS still made me jump hoops and denied claims, and as we had very few I was disgusted and on principle refuse to participate in a corrupt system.
43. Thanks and best wishes to your brother as well ...
MDS can progress to acute myeloid leukemia, something we are trying to avoid. My husband is currently on a trial of decitabine and tretinoin with the goal being a bone marrow transplant in September, so far one of his brothers looks like a good match.
We had contacted the NIH and they are very accommodating and all medical care is absolutely free, even if your brother just goes there for tests and another opinion it may be helpful. One of my cousins knows two people who are in remission after being treated at the NIH. Another resource that might come in handy for accommodations while being is the American Cancer Centers Hope Lodge, the closest one that I know of to the NIH is in Baltimore. We stayed at the one in NYC last week and it was a great experience...well of course we would have preferred being home :)
somebody has to pay the frickin bill for that preventative healthcare. I ain't made of money and there ain't nobody jumping up and down to make those payments on my behalf.
I'm approaching 50, overeducated, long-term unemployed, single, and have no prospects for employment. Since I lived frugally and saved some $$$ I do have some assets. I'll have to liquidate virtually all of them before I qualify for any kind of assistance. Or I can gamble my life savings to start a business and create my own job. But there is no assistance in that endeavor and the frickin government has insured that most of the competitive advantages go to large businesses.
In this fucking country healthcare is a luxury. Apparently so are jobs.
29. $10,000 each, annually, 70/30 plan, $850 a month for 2 people
Edited on Wed Jun-30-10 10:10 PM by Mimosa
For about 25 years my partner has been self employed. For most of that time Blue cross Blue Shield of LA, then after Katrina, GA, has been our provider.
Our premiums have gone up so high that in an effort to keep them affordable so we could remain insured we'd let them raise our deductible.It is now $10,000 a person on a 70/30 in network plan with co-pays for doctor visits, lab tests and Rxs. For this we are now paying $850+ a month!
30. currently we are on the state plan which hs a $5 copay. but before that
and if we hadn't qualified for the state plan, we would be 'enjoying' a $5000 deductible PER PERSON before they even shelled out a dime. UHC all the way. and after that it would be 80/20. the kids have been on child health plus. and they did away with independent health which was expensive, but didn't have these deductible bs. just the copay and the tiered pharma. but that's gone. and all that is left is the plan where you pay a lot every month just so that they don't have to shell out a dime unless you get really sick.
for the family. However, brutal past experience indicates that is 6K in "covered" expenses. For things not covered, the sky is the limit. I have found that one can be under the routine and normal care of a typical doctor at an "in plan" hospital, and still run up a quite considerable number of "uncovered" expenses.
I'm at $600+ so far this year. I'm not sick, but doctors insisted I have a bunch of "let's rule cancer out" tests. I knew I did not have cancer, but I went along with them because someday I might actually need them, and didn't want to be unco-operative.
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