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$500 for two people is pretty good. When I was on COBRA I had to pay $760.00 just for me. Your radiology test for $300 and all the rest will exeed your premium for yourself at least for one month probably more. You are getting a pretty good deal.
It actually makes people stop going to the doctor ...
I agree. While our deductibles are not $10,000, they are still too much for some people here at work. I know several people who never go to the doctor because of that.
When you have a deductible, you are not required to pay the whole thing at once or up front or before you leave the hospital, if you are seeing a doctor in your provider's network of doctors. The hospital submits a claim first, then the insurance company will tell them what they are ALLOWED to charge you, the insured. You then get a bill and you can make payments to the hospital. If you have a service that is less than the deductible, you only pay for the cost of the service, not the entire deductible. It is not smart to be without insurance because even if you have a higher deductible, the amount of money they charge you is controlled by what the insurance company has negotiated with the hospital or doctor. Without insurance, they dont even have to treat you and if they do, they can charge you whatever they want. Even if they give you a discount for paying cash, they can inflate that charge to whatever they want.
If Op qauifies Op can go on medicaid. Even with Obamacare low income with be placed on medicaid. Its estimate 125 millio will be palced in medicaid fo the 30 million without insurance now.
Actually, the states can refuse to add to their Medicaid rolls without penalty. So that leaves, potentially, 17 million without coverage.
Our governor wouldn't take money to set up the exchanges and says he won't do anything to comply with Obamacare until after the Nov. elections.
Quote:
The plan for the insurance marketplace, called an exchange, is due to the federal government in January 2013, and Walker's administration had announced late last year that it was stopping work on such a proposal until the Supreme Court had ruled. Now, Walker wants to wait longer, until after the fall election.
Walker last year also turned down $38 million in federal money that could have gone to implementing the federal health care law in Wisconsin.
At a news conference shortly after the decision was released, Walker said it was premature for the state to reverse course on an exchange.
"I think a lot of people will be looking at what happens in November to see if in the elections if there's a president and a Congress that are willing to put the power back in the hands of the people and not to impose a massive tax increase, particularly at a time when we are so economically challenged," Walker said.
If Congress and the president - whoever he may be - do not address health care, then Walker will decide how to comply with the new law, he said.
He and the Republican legislature will NEVER allow an expansion of Medicaid or BadgerCare in Wisconsin. We will be one of the states which will NOT comply about insuring ALL of the very poor uninsured.
Quote:
In one victory for opponents of the law, the court said the federal government could not take away existing federal funding for state Medicaid programs if a state did not comply with the federal mandate to expand those programs.
Bobby Peterson, head of the Madison nonprofit ABC for Health, said that means that the state might not be required to expand coverage to at least tens of thousands of childless adults making up to 133% of federal poverty limit, which is $14,900 for a single person. Currently, 131,000 childless adults in Wisconsin are on a waiting list to receive coverage.
"It sounds as if there's room for the Walker administration to say we're not going to accept the expansion of Medicaid in 2014 . . . That's a real devastating possibility," Peterson said.
Rep. Robin Vos (R-Rochester), co-chairman of the Legislature's Joint Finance Committee and likely the next speaker of the Assembly, said he was still studying what would be required for Medicaid under the court decision, but that he did not want to see the program expanded because of cost concerns.
I'm curious as to why the OP has no insurance. Each state has a low-income high-risk insurance pool that offers excellent insurance, low deductible, and is subsidized by the state by about 70% if the applicant demonstrates financial need. It's high-end insurance for cheap, courtesy of Obamacare. is the OP aware of this?
In many states, if you are single without children you do not qualify for subsidized insurance. Many social welfare safety nets exclude childless singles.
I'm curious as to why the OP has no insurance. Each state has a low-income high-risk insurance pool that offers excellent insurance, low deductible, and is subsidized by the state by about 70% if the applicant demonstrates financial need. It's high-end insurance for cheap, courtesy of Obamacare. is the OP aware of this?
Most of the working poor make too much money to qualify but not enough to be able to afford to buy their own. I believe this is going to be a huge issue going forward.
Did you know that Health Insurance wasn't always around? Most people are healthy enough that they don't need to run to the doctor for every little thing. But we have insurance, so we do. I am not sure we are doing a wise thing.
Did you know that Health Insurance wasn't always around?
You're right, there wasn't any insurance in earlier times. Back then people regularly died by the age of 35-40. A simple infection wouldn't be treated properly and would lead to serious complications. Families had to have lots of babies, because a high percentage of them didn't survive childhood--and mothers often didn't survive childbirth. It was common for children to have had at least one parent die while they were growing up.
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