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Location: East of Seattle since 1992, 615' Elevation, Zone 8b - originally from SF Bay Area
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I have one medication that is considered "treatment" rather than preventative, and after losing our work copay "Cadillac Plan" due to the penalties and having instead a high deductible with HSA, it went from $5 to $140. Even people I know that are subsidized have been very upset with the program. Those with no insurance before have it now, but can't afford it if they get sick or injured.
I have one medication that is considered "treatment" rather than preventative, and after losing our work copay "Cadillac Plan" due to the penalties and having instead a high deductible with HSA, it went from $5 to $140. Even people I know that are subsidized have been very upset with the program. Those with no insurance before have it now, but can't afford it if they get sick or injured.
That's an awfully big stretch for your company to go from a "Cadillac Plan" to a High Deductible HSA. Are you sure you weren't given some choices? The High Deductible HSA are very good for people who are healthy and don't take any expensive medicines and have reasonably high incomes. If any of those things don't apply to you, you need to reconsider your choice if you have one. It's hard to believe a company would make such a drastic change without offering another alternative. If I'm right, perhaps you should change it.
At least it's affordable. Otherwise they wouldn't call it the Affordable Care Act.
Who knows. It could mean affordable for the insurance companies and government. They have to pay less for that transferring 4-5K "deductible" to working people.
Who knows. It could mean affordable for the insurance companies and government. They have to pay less for that transferring 4-5K "deductible" to working people.
Yup, our government is really making out with a bundle passing the ACA.
I don't know if all these high deductibles will enhance the insurance companies bottom line or is just a coping mechanism for having to now insure the sick, and cover more illnesses. Wendell Potter (Cigna executive) said back before ACA was passed that insurance companies were really pushing these high deductible plans more and more cause they like them as they enhance their bottom line.
As I have very little faith in the insurance companies ever doing right, I will just assume they will milk it with all they got until everyone cries Uncle.
Last edited by modhatter; 11-24-2014 at 04:57 PM..
I had a flu with running nose and went to the doctor office. Since this is the first drip to this doctor. for the doctor to be my primary doctor. The office told me I have to do some checkup procedure. I ask if my insurance accept here. They told me yes. All I have to do is pay $10 cô-pay. So, I agree to let them do the checkup. After the checkup finished then the doctor walk in. I told the doctor give me some thing that can get rid of my flu quick so I can go to work. So, he gave me a shot. I then go out to the office and they reschedule Me back for next month. I go back to the office a month later, I pay $10 cô-pay for office visit again. They sent me in for more checkup. I ask why am I getting all this checkup. They said this what all their patient had to do regularly. I said as long my insurance pay for.it's ok. They said yes my insurance pay all. I just pay $10 cô-pay. So, I got it done and went out to office. They told me come back next day go up stair for some lab testing and they also reschedule me to come back 2 months later for visit. A few week later I receive a bill from a lab for $48 for the test that my doctor send to and I need to pay for it. It's only $48. I don't want any trouble so I just pay it online. I just now receive another bill for $1075. I'm shock as I look at the bill. I don't have the money to pay and I'm afraid to go back for my next doctor appointment. Why is this doctor office keep setting up appointment for me to visit? I though if I need to go to see a doctor then I should be the one making the appointment. I just went to treat my flu and I end up with all this checkup and now owe $1075 after my insurance pay. I don't have money to pay and the doctor office keep contacting me for an appointment. I don't answer their phone and don't pay the $1075. Does I get in trouble in future if I not pay the bill?
I don't answer their phone and don't pay the $1075. Does I get in trouble in future if I not pay the bill?
Yes, you'll get in trouble - unless you don't care if the bill is sent to a collection agency which will be a huge ding on your credit - which will have long-term effects in your life in many areas.
Preventive office visits are free - but any additional services connected to that visit are charged. You visited for a sickness. That alone may have subjected you to a satisfaction of a deductible before the plan would pay.
Sounds like English is your second language. Get help from Legal Aid in your area on this.
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