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Old 02-06-2018, 12:11 PM
 
Location: Wonderland
67,650 posts, read 60,886,374 times
Reputation: 101078

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I am very pleased with my BCBS coverage - just not pleased with the premium and massive deductibles. I mean, it's not bad in a group plan but it is AWFUL when one is self employed and has no government subsidy. Like, way more than my mortgage awful - and my mortgage is around $1500 a month.

Basically we pay for everything all year other than preventative stuff, because unless there's a catastrophe with us, we won't reach the deductible. I thought "catastrophic only" insurance was against the law?
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Old 02-06-2018, 04:40 PM
 
Location: Aishalton, GY
1,459 posts, read 1,401,265 times
Reputation: 1978
http://www.countyhealthrankings.org/
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Old 02-07-2018, 12:33 AM
 
9,418 posts, read 13,493,575 times
Reputation: 10305
Quote:
Originally Posted by KathrynAragon View Post
I am very pleased with my BCBS coverage - just not pleased with the premium and massive deductibles. I mean, it's not bad in a group plan but it is AWFUL when one is self employed and has no government subsidy. Like, way more than my mortgage awful - and my mortgage is around $1500 a month.

Basically we pay for everything all year other than preventative stuff, because unless there's a catastrophe with us, we won't reach the deductible. I thought "catastrophic only" insurance was against the law?
I'm not sure where you got the idea that "catastrophic only" insurance is against the law. That would depend on various individual's idea of catastrophic. According to my wealthier conservative friends all insurance should be "catastrophic". In the meantime I'm trying to figure out how to pay for an operation that will easily meet my deductible. Not a life threatening condition now but something that will get worse with time. No insurance we're talking about $45,000. That's insane!
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Old 02-07-2018, 06:42 AM
 
Location: Wonderland
67,650 posts, read 60,886,374 times
Reputation: 101078
Quote:
Originally Posted by TXNGL View Post
I'm not sure where you got the idea that "catastrophic only" insurance is against the law. That would depend on various individual's idea of catastrophic. According to my wealthier conservative friends all insurance should be "catastrophic". In the meantime I'm trying to figure out how to pay for an operation that will easily meet my deductible. Not a life threatening condition now but something that will get worse with time. No insurance we're talking about $45,000. That's insane!
Catastrophic ONLY IS against the law now. You can buy "catastrophic" health care coverage (which pretty much seems like what I have now) but by law all health care coverage must now cover preventive care as well as maternity care, mental health care, substance abuse treatment, etc.

Back in the day, prior to the ACA, one could buy catastrophic ONLY health care coverage.

https://www.insurance.com/health-ins...insurance.aspx
https://www.bcbsm.com/index/health-i...-benefits.html
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Old 02-07-2018, 09:50 AM
 
8,275 posts, read 7,944,279 times
Reputation: 12122
There is no question that Texas has outstanding opportunities for healthcare. Possibly the best in the nation. But it's expensive. As others have said insurance ≠ healthcare.

As far as insurance, it's not as simple as whether or not people have it or not. My wife looked into Obamacare insurance before we were married and she found that the way it was set up made it essentially worthless to her. The premiums were not affordable for her and the deductibles were extremely high. In most cases, she would have been paying for insurance that she would never benefit from.

She's on my insurance now that we are married and we are generally happy. In the last year, she both gave birth and had two surgeries. We hit both her individual limit and family limit with total out of pocket at around $5k. Ideal, no, but a lot better than it could have been.
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Old 02-07-2018, 02:00 PM
 
Location: Aishalton, GY
1,459 posts, read 1,401,265 times
Reputation: 1978
Quote:
Originally Posted by KathrynAragon View Post
Catastrophic ONLY IS against the law now. You can buy "catastrophic" health care coverage (which pretty much seems like what I have now) but by law all health care coverage must now cover preventive care as well as maternity care, mental health care, substance abuse treatment, etc.

Back in the day, prior to the ACA, one could buy catastrophic ONLY health care coverage.

https://www.insurance.com/health-ins...insurance.aspx
https://www.bcbsm.com/index/health-i...-benefits.html
I had it in the 70s & 80s
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Old 02-08-2018, 01:32 AM
 
9,418 posts, read 13,493,575 times
Reputation: 10305
Quote:
Originally Posted by KathrynAragon View Post
Catastrophic ONLY IS against the law now. You can buy "catastrophic" health care coverage (which pretty much seems like what I have now) but by law all health care coverage must now cover preventive care as well as maternity care, mental health care, substance abuse treatment, etc.

Back in the day, prior to the ACA, one could buy catastrophic ONLY health care coverage.

https://www.insurance.com/health-ins...insurance.aspx
https://www.bcbsm.com/index/health-i...-benefits.html
I did some reading after reading your post. I see what you're talking about now. In the 90s and early 2000s the coverage I had was "called" catastrophic. I had a huge deductable. What was crazy, at least in my mind, was maternity didn't have to be covered in certain states. If I recall that was changed prior to the ACA. Kathryn, do you not think it's insane that a day operation, no overnight stay and pretty simple, costs $45,000? It's not right. I have insurance and it's not going to cost that for me, but what do other people do? It's wrong.
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Old 02-08-2018, 02:04 AM
 
Location: We_tside PNW (Columbia Gorge) / CO / SA TX / Thailand
34,705 posts, read 58,022,681 times
Reputation: 46172
Quote:
Originally Posted by TXNGL View Post
... do you not think it's insane that a day operation, no overnight stay and pretty simple, costs $45,000? It's not right. I have insurance and it's not going to cost that for me, but what do other people do? It's wrong.
15 million of us (around the world) do this...
https://patientsbeyondborders.com/me...atistics-facts

32+ yrs work / service for a great USA Fortune 50 company... = NO HC (witch of a CEO took it away, along with pensions)... nice perk!
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Old 02-08-2018, 10:20 PM
 
9,418 posts, read 13,493,575 times
Reputation: 10305
Quote:
Originally Posted by StealthRabbit View Post
15 million of us (around the world) do this...
https://patientsbeyondborders.com/me...atistics-facts

32+ yrs work / service for a great USA Fortune 50 company... = NO HC (witch of a CEO took it away, along with pensions)... nice perk!
Medical tourism. Yep, that's an option for me. Not so much for others. Or is that what you're saying? Sometimes these things (if you are being sarcastic) go over my head.
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Old 02-09-2018, 02:19 PM
 
33,321 posts, read 12,511,334 times
Reputation: 14936
Quote:
Originally Posted by TXNGL View Post
I did some reading after reading your post. I see what you're talking about now. In the 90s and early 2000s the coverage I had was "called" catastrophic. I had a huge deductable. What was crazy, at least in my mind, was maternity didn't have to be covered in certain states. If I recall that was changed prior to the ACA. Kathryn, do you not think it's insane that a day operation, no overnight stay and pretty simple, costs $45,000? It's not right. I have insurance and it's not going to cost that for me, but what do other people do? It's wrong.


But coverage WAS available in that pre ACA period that included maternity, and you could buy that coverage....or not.

What was wrong with people who didn't want that coverage, to elect to purchase coverage that DID NOT include that?....Answer....Nothing.

But oh no, we can't have that level of freedom......Pelosi/Obama/Reid/Ezekiel E./Jonathan Gruber, etc. know better than people themselves what they need .

You have insurance that will cover what you decide to do, so why do you care if others make a different decision?

If someone wants to get pregnant and have a child, but can't afford insurance that covers what they need, then they shouldn't be having a child......they can't afford it.
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