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Speaking of insurance, can someone explain why the same individual BCBSNC plan is $90 more for a woman than for a man? (no maternity coverage, btw.) Is it our longer life expectancy?
I'm guessing, but it's my experience that women tend to use more healthcare services than men.
Just my opinion here, but I believe that the only route to affordable healthcare is for individuals have more responsibility and therefore more of the financial risk. I think that it's going to take a financial incentive for people to take control of their own health and make the tough decisions and behavior changes that will improve health and reduce the amount of healthcare services that are needed! I am hoping that the growth of consumer-directed health plans - HSAs combined with coverage for major events - will help us do just that.
$480 a month for 5 kids doesn't sound too bad. But $480 a month for just a husband or wife hits you where it hurts!
We have a price for employee.. price for employee + spouse.. and the highest price is for employee, spouse and family.
We spend soo much $$$ on Rx copays... one of her Rx had a "cash price" of $500.00 - what in the world??? I was thankful to pay $60.00 and leave Walgreens...
It stinks, but lots of money goes into making those drugs. I'm assuming that is a pill...think about all the biopharmaceutical drugs like injectables and infusion therapies. Those can cost a lot more.
We have a price for employee.. price for employee + spouse.. and the highest price is for employee, spouse and family.
We spend soo much $$$ on Rx copays... one of her Rx had a "cash price" of $500.00 - what in the world??? I was thankful to pay $60.00 and leave Walgreens...
Sometimes asking your doctor for a less expensive drug might get you the same benefit at a great price.
Since many new drugs wind up recalled in a year or two for serious issues, taking an older proven drug might be in your best interest for more than financial reasons.
I'm guessing, but it's my experience that women tend to use more healthcare services than men.
Just my opinion here, but I believe that the only route to affordable healthcare is for individuals have more responsibility and therefore more of the financial risk. I think that it's going to take a financial incentive for people to take control of their own health and make the tough decisions and behavior changes that will improve health and reduce the amount of healthcare services that are needed! I am hoping that the growth of consumer-directed health plans - HSAs combined with coverage for major events - will help us do just that.
The insurance companies state that women go to doctors more than men, between the ages of 30 and 50 and after that, men catch up with women in regards to how often they see doctors.
I pay about 200 per month. I think that if you have to pay over 500 a month that it isnt worth it. Save that money yourself, earn interest and pay cash. If you have kids there is an argument there I am sure.
Kids or not this is really bad advive. One hospitalization can set you back
100K or more. A heart surgery or cancer or intensive care visit can be
400K easy.
Kids or not this is really bad advive. One hospitalization can set you back
100K or more. A heart surgery or cancer or intensive care visit can be
400K easy.
Very true.
Appendicitis could set you back 10 grand.
Also, uninsured folks are charged dramatically more than negotiated rates for insurers.
If you go bare on health coverage, be sure you can keep all your assets when you file your Chapter 7.
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