Quote
Originally posted by: forkushVQuote
Originally posted by: malibber2
Dude I'd also have two deductibles to satisfy and 6k more in out of pocket costs. If you factor that in I wouldn't save anything.
The math of it is $6,012 in premiums a year plus $6,000 in out of pocket for a total of 12,012 in costs on Obama Gold.
Only if you max out your out of pocket for the year. If you have a relatively healthy year, you'll save thousands. Oh, and if your wife should lose her job, under your no Obamacare program she'd be more likely to die prematurely.
And just a few hours ago, you were claiming yearly costs of $35,000. Oh I get it; you add your wife into costs when it suits your outlook, and you leave her out when it helps your argument. And you make up numbers like $35,000. Please stop.
Look I like you, but I wish you would lay off the personal stuff. Here is how it works out: Wife's Plan: She pays $400 a month for her share of the plan for her and the two kids +$1,500 deductible with co-insurance her out of pocket is capped at 10k a year for all 3 of them so 10k + $4,800 = $14,800. Per your suggestion for me Obamagold 12k a year. That puts us at $28,600 put the rest into out of network, drugs that aren't covered and so on.
Here is a little secret most insurance plans have plenty of primary care physicians in their network, but when you need a specialist you often find there are no specialists in network. The point is to push a higher share of the costs on to you. I first encountered this years ago when I lived in Indianapolis. I had coverage through a CIGNA group policy. I needed an oral surgeon for a wisdom tooth that had went bad. There are probably a 1000 or more oral surgeons in the Indianapolis area, but none were in network. So I asked the oral surgeon about it and he told me that is how it works. He said the insurance companies don't want to pay market rate so specialists are usually out of Network. I have ran into this many times since then with different types of specialists.
I also looked closely at those Obamacare plan details and all the ones I looked at had this special chart called "covered pharmaceuticals" On some of the plans only generic drugs were covered at all so if you need something there isn't a generic equivalent for your 100% responsible to pay for it. All of the plans had specific drugs that were covered. I know at least one of mine I take every day was not covered so that is 100% out of pocket for that.
As far as future costs for me and my wife I will lay it out for you she has an incurable version of what is known as Pulmonary Sarcoidosis. (It is what Bernie Mac died from). The only treatment is to take massive doses of steroids forever. Whenever they have tried to reduce the dosage in the past her lugs swell up and her airway closes. If she doesn't get to the ER immediately she will suffocate to death. As a result of her having taken the Steroids for so long she is now an insulin dependent diabetic. She got the results of a CT scan and a bone density scan a week ago. Her primary care physician recommended it because one of the long term effects of the steroids is the loss of bone mass. The CT scan showed she has necrosis of the hip in its initial stage. The Dr. says she will need a hip replacement within 5 years, and she can't halt the Steroids and just has to accept the decay. It is likely other joints will need replacing as well at some point down the road.
The most serious condition I had was some skin cancer I discovered about 8-9 years ago. Because I had that I am supposed to have regular scans, blood work ect. One scan a year will cap out the insurance on any plan I have ever had.
So the bottom line is there is no such thing as a healthy year for my wife or I.
