"graham" > wrote in message
...
> On 05/10/2015 6:42 AM, Gary wrote:
>> 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.
>>
> As you know, in Canada we have a public funded system. My D-I-L had an
> emergency c-section and one twin spent 3 weeks in the NICU and the other
> is still there after 6.5 weeks.
> I dread to think what that lot would have cost them on your side of the
> border.
> Graham

For me? $1. Policies really do vary.