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I have a personal policy with catastrophic coverage, and my plan sucks.
What I learned the hard way about these catastrophic plans, is some will only pay for covered inpatient hospital visits until your annual deductible is reached. And only after the entire annual deductible is met, will they then cover all other medical bills such as doctor visits, outpatient hospital visits, etc. for the remainder of that calendar year.
However, meeting this deductible within a single calendar year can be a huge obstacle.
Only inpatient hospital costs are counted toward your deductible. And that is the main issue.
Nothing else is counted. Not doctors visits. Not outpatient hospital visits.
Lets say you have a $5,000 emergency room visit (which is a covered inpatient visit), and your health insurance company negotiates with the hospital to have it lowered to $2,500.
The insurance company will pay a portion of the $2,500 (maybe $2000) and the hospital will bill you for the remainder ($500).
The insurance company then counts $2,500 towards your deductible.
So if your catastrophic plan deductible was $3,000, and you don't meet your deductible on that one emergency room visit, your insurance company doesn't have to pay for any other medical costs that year until you experience another major medical problem requiring another inpatient hospital visit within that same calendar year.
And that is the biggest issue... reaching your deductible within one calendar year.
And the odds of a relatively healthy person having two major medical problems requiring inpatient hospitalized care in a single year is pretty low.
Every January 1st, the amount contributed to your deductible goes back to zero, so you have to start all over again.
Assume you have a car accident on December 15, and you spend an entire week in the hospital. You may meet your deductible for that year, but the insurance company wont pick up any followup care visits that occur after Jan 1st, until you have another serious issue requiring another inpatient stay within the next calendar year. So if you have to go for followup xrays, see specialists, etc. none of these visits will be covered in the new calendar year until you experience another covered inpatient hospital visit (such as another car accident).
Yes of course. It's a basic right over here for everyone
A little thought on my perspective on "Rights"
Here in the states, "Rights" are things that an individual posesses which cannot be taken away. For me to maintain my "rights", no one must give me anything.
For example"
Freedom of speach - got it (no one gives it to me)
Freedon of religion - got it (ditto)
Right to bear arms - got it (no need to give me a gun, got em)
Right to Life - got it (don't try to take it, see above)
Liberty - got it
Pursuit of happiness - got it
etc..
Free health care / insurance ... uh , someone else would have to provide that to me. Therefore not a "Right".
Everyone who voted no, you're wrong. Everyone gets cared for at the ER, regardless of their ability to pay.
Thank Ronald Reagan.
Those of us who have insurance or can't afford it can also thank Ronald Reagan for that also, because making hospitals care for people without the ability to pay caused them to charge more for those with insurance and that caused rates to increase for us.
I have insurance because I have a child, and another on the way, and when I get sick I don't want anyone else having to fit my bill for me.
Here in the states, "Rights" are things that an individual posesses which cannot be taken away. For me to maintain my "rights", no one must give me anything.
For example"
Freedom of speach - got it (no one gives it to me)
Freedon of religion - got it (ditto)
Right to bear arms - got it (no need to give me a gun, got em)
Right to Life - got it (don't try to take it, see above)
Liberty - got it
Pursuit of happiness - got it
etc..
Free health care / insurance ... uh , someone else would have to provide that to me. Therefore not a "Right".
So true to those not from the USA.
Have you noticed some of the European accents from those in the Progressive media, pushing for universal healthcare?
Health insurance is not a right.
This monstrosity, is not health reform, it is a payoff to the health insurance industry, that got the Progressive administration and legislatures elected.
It does nothing to fix healthcare. It just make insurance corporations more wealthier.
Here in the states, "Rights" are things that an individual posesses which cannot be taken away. For me to maintain my "rights", no one must give me anything.
For example"
Freedom of speach - got it (no one gives it to me)
Freedon of religion - got it (ditto)
Right to bear arms - got it (no need to give me a gun, got em)
Right to Life - got it (don't try to take it, see above)
Liberty - got it
Pursuit of happiness - got it
etc..
Free health care / insurance ... uh , someone else would have to provide that to me. Therefore not a "Right".
So you don't believe that we should help to take care of our people who get ill & can either not work until they are well or become permanently disabled? How about chronically ill children of those who are barely earning enough to keep a roof over their heads?
What do you think we should do with these people?
So you don't believe that we should help to take care of our people who get ill & can either not work until they are well or become permanently disabled? How about chronically ill children of those who are barely earning enough to keep a roof over their heads?
What do you think we should do with these people?
Through my employer. It would pretty irresponsible to be without.
I agree. But when self-employed and my insurance premiums creeped up to nearly $1200 a month, I was done.
Why do people think that if one doesn't have insurance they don't pay their bill? No one "foots my bill".
On a visit to my doctor, there were a very young family in the waiting room - they were on public assistance (Oregon Health Plan). It did irritate me that I had to pay upfront (half at time of visit, half within one week), yet they saw this [expensive] specialist for free. Excuse me, since I pay my bills and my taxes, I paid part of their visit(s). I'm sure everyone has a lot anecdotal evidence.
One may get emergency, life-sustaining help without insurance, but there will be no follow-up and no rehabilitative care. It's hardly a free-for-all.
In the past I've been qualified to get unemployment insurance, but I work too hard to get any health care assistance. As long as I can work, I will refuse anyone to 'foot my bill.' This is the way we were raised. If you can walk, talk, watch tv, type on a computer, then work.
So, to a lot of posters on this thread, health is up for sale and they think that's OK. I don't know what the answer is, but yes WE are out brothers' keepers.
It has absolutely nothing to do with our current Administration and for those of you who think it does, I'd ask where the heck were you for the last twenty years or so? Not paying attention?
Health care in this country is similar to the court system - if you don't have a lot of money to buy, then you're out of luck.
Yes....we the people, fellow citizens, humanity.....ya know like the GOV of Alabama said "we are all brothers". Except in his case he meant only other 'Christians'.
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