Julie Bove wrote:
>
> "Janet B" wrote:
> > Whatever works is good. Prescriptions are too costly and anything
> > that helps with the cost is good. I have no problem with my regular
> > insurance preferred drugs and the amount I pay ($3). But when you are
> > working your way through your deductible you want to pay as little as
> > possible.
> > Janet US
>
> I can't see why you would say that. I want to meet the deductible as soon
> as possible. Then I pay less! However, the deductible does not apply to my
> prescriptions.

People with the so called "good" insurance policies don't have a clue
as to how health insurance works. These are private corporations in
business to make a PROFIT. They don't pay your medical expenses out of
their pockets ever. If you are getting out more than you pay in,
someone else is paying for you.

Up until the last 10 years, I always had medical insurance but each
year we never met the deductible. We filed for insurance but then we
always had to pay the full bill.

Company paid insurance, which I used to have, paid for the premiums
each month...a very good company benefit. But I still had to pay for
the deductible. Never got that high. I paid all my medical bills and
the company spent a fortune paying the monthly premiums.

Then I started my own business and had to get personal insurance vs
group insurance. Much more expensive for less benefits. I signed up
with BC/BS with a "subscriber and one minor" policy.

It was reasonable in the beginning. This was 1986. $80 a month to
cover my daughter and I and $100 deductible.

I finally HAD to cancel the insurance about 14-15 years later. It had
gone way out of control.

Each year or so, they would raise my monthly premium or raise my
deductible- Even though we never got a penny back from them....we
never met the annual deductible. We would file for the insurance, get
a letter saying it was applied to the deductible, then I had to pay
the doctor.

Anyway, at the end of the time period, when I quit, my deductible was
$750 and my new premium was going to be $425 per month. Big
difference in 15 years...from 80 month 100 ded... to 425 month and 750
ded.

When I quit them - and I had to...I literally could not afford it
anymore, I added up what I had paid them in premiums all those years.
About $45,000. I paid them that much and they never paid a penny for
any medical expenses. Do you see a problem here? I sure do.

Bottom line here. All you folks that can get prescriptions for only a
few dollars and get doctor visits for for 10-20 per visit. Medical
care is not that inexpensive. Someone is paying for your cheap prices
if you aren't paying for it in high monthly premiums.

If I have to go to a doctor right now, just a basic GP visit will cost
me about $100. When I tell them I have no insurance, I'm treated like
a bum until I reassure them that I have money and will pay for the
visit that day.