On 05/10/2015 7:40 PM, Julie Bove wrote:
>
> "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.
Sorry to learn of your indigence.
Graham