FC Community
Discussion Boards => Off-Topic => Topic started by: melodylogan45 on August 15, 2015, 02:35:41 am
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It is tuff these days to go to the doctor due to high insurance. My insurance is
deductible based for doctors visits and perscriptions, so I do not get
any script or go to the doctors office until i have some
Estimate of what it may cost.
I miss the days where i did not have to worry about that. I hope we change
Our employer insurance again soon.
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so far my insurance has been good to me
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I have really good insurance, but I know what you are talking about. When I was looking for a plan for my daughter because she reached 23, still in college, but had to come off our Tricare, there was no plan out there that covered much of anything and the premiums were crazy. We ended up leaving her on our Tricare and paying full price. At least it's good insurance, but we are paying way too much, but still less than the other plan would have been.
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I thank God that I haven't needed to go to the doctor other than the routine stuff!
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Luckily, I have really good health insurance through my employer right now. I only have $5 copays for regular visits and $25 for ER visits. My health insurance is one of the only things I like about my job. I'm planning on moving to another state though in maybe a year or two, so I don't know how my health insurance will be then, since I'll have to get a new job.
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I've been fortunate too with relatively few health issues over my lifetime...and thankfully it wasn't a requirement until now.
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my husband will be on medicare soon will see how that goes.He had some back problems so they took an xray we have to pay 1000.00 the insurance blue cross paid maybe 50.00 they are terrible
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The whole insurance system is a scam.
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I agree. I hate this new insurance. I pay $300 per Month for insurance just for me and I just got billed almost $400 for a testy
Doctor had me do! I'll be broke in no Time.
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I'm lucky that I still only pay a copay to go to the doctors ... but then again I pay thru the nose monthly for it .. but the alternative was to change to a deductible plan which I thought would be worse.
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Ugh. Don't even get me started on health insurance... My deductible is $6,000. My daughter broke her wrist and all of the expenses (to the tune of almost $3000) was out of pocket. Insurance in this country is terrible! 10 year ago I remember paying about the same amount for coverage and most everything was covered after a co-pay. SUCKS. :-\
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Health Insurance is a big issue now days. I have medicare with United Health Care and am pretty comfortable with it. There aren't many doctors who don't take United Health Care.
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Over the past few years our insurance cost has gone up along with our deductible. The coverage is good but expensive. Hopefully it will stabilize.
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My insurance is pretty good because my husband works in a big company.
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I hate not being able to make an appointment with my doctor. I think I might have an ear infection but cant see my docot r so if I go to a walgreens minute clinic I pay more than my copay which is 25 dollars.
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I wish I had health insurance. :( Looks like I'm gonna get it in a few weeks, though. I need to see a therapist and another doctor. Fun stuff.
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It is tuff these days to go to the doctor due to high insurance. My insurance is
deductible based for doctors visits and perscriptions, so I do not get
any script or go to the doctors office until i have some
Estimate of what it may cost.
I miss the days where i did not have to worry about that. I hope we change
Our employer insurance again soon.
its so expensive to get insured
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You are not alone!! I think most people today are "suffering" from the same disease -- empty pockets!!
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im happy with my health insurance,,,,,,,,,,,,,,,,, :thumbsup:
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I am happy to say I now have insurance. It's been 2 years. My husband finally was able to get it due to a change in his position. I'll be glad to be able to see the doctor when I need to.
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It is tuff these days to go to the doctor due to high insurance. My insurance is
deductible based for doctors visits and perscriptions, so I do not get
any script or go to the doctors office until i have some
Estimate of what it may cost.
I miss the days where i did not have to worry about that. I hope we change
Our employer insurance again soon.
I definitely need to get health insurance. :angry7: Or I will have to pay taxes for that. :angry7: :BangHead: I keep waiting for my job to get health insurance. So I can have it finally. Unfortunately no such luck no health insurance. :BangHead: Your health insurance seems pricey. But it is better to have one I suppose. I'm working on getting my health insurance. :angel11: :)
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After all that I have found when working for a health insurance company it is more of a scam than anything. The doctors charge you more then without and the funny thing is they, doctors, are the ones that actually started this scam to be sure to get some of the monies due that a patient can't pay. Of course they didn't think they should lower their cost any, that would never do for them. I hate to have it and hate that I have to use it when I do, rather do without. Now I will say hospitalization and life insurance I feel everyone should have, it really does help but the everyday health care...just sucks all around.
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It will do the job for regular check ups. For major issues my deductible is very high.
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We have $25 and $50 deductibles.
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My employer is going to this deductible thing and I do not like it, so I am going to change my health insurance.
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I have good insurance at work, thank God. Our deductible is $800, and that's with the cheapest plan. They don't cover 100% of everything, but they do for routine care, labs, xrays, etc. Its one of the main things that keeps me at my job, since most other places are outrageous for insurance.
Health insurance is the biggest racket that was ever invented. Now medical care is so expensive that it is unaffordable NOT to have insurance, but then the insurance is unaffordable because they know people need it. Now with Obamacare, it is even worse, because since the insurance companies know that everyone is required to buy insurance, they can hike the prices up and charge anything they want! And most of the Obamacare plans have outrageously HIGH deductibles, before they even pay a cent, so you're buying insurance for the privilege of paying all your medical expenses anyway for the first several thousand dollars.
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Yes it is difficult to get health insurance when you don't have a job. It's also difficult to get good health insurance. I was laid off last month, and haven't had health insurance for awhile. My last job didn't offer health insurance.
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I'm lucky my wife's health insurance is great for us. Without it we would be seriously broke.
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I hate not being able to see ythe doctor and I have to go to minute clinic which costs more than my deductible.
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I rarely use health insurance but my family seems to be in the Doctor's office at least once a week. Prior to socialized health insurance I had the best insurance around. Inexpensive, no deductibles and everything was covered. Now that we are all forced to have health insurance my premiums have tripled (even with a one thousand dollar deductible), ten dollar co-pay for prescriptions (if the insurance company will even cover the prescription), and it is easier to determine what the insurance will cover which is basically nothing. Our highest monthly expense is for insurance: automobile, life, and health.
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It's required by law to have or you'll get penalize.
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The entire insurance industry makes we want scream and hit something. Its all based on fear...fear that my house will burn down, fear that I'll crash the car, fear that I'll get cancer. Drives me crazy.
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I am fortunate that I have good insurance through my former employer, however it is costly, this whole insurance industry just needs a lot of work!
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I just got full time now and I got employers insurance my co pay is 20 per visit to the dr. I went in for some glass and I was able to get them with out paying nothing. Thank God for that. I pay $179 per month it covers health for me and my family, Vision and Dentist for myself only. So far it's been good. I have gone to a Acupuncture and I didn't have to pay any thing and I also went to a chiropractor and no co payment, so it depends on the doctor.
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I don't have any insurance at all. The cheapest they wanted to give me was 400 a month with a 10,000 deductible. since I never go to the doctor, we come out cheaper just paying the fine at tax time. I really don't see how the govt. thinks people can afford to pay fines for not having insurance when they cant afford the insurance itself!
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Thank goodness my husband and I have Medicare plus secondary insurance. We've had it for over five years and it has been very good insurance for us. We have not had to pay anything our of pocket except for premiums and a $147 deductible each year which is just terrific. What a problem heatlh insurance usually is!
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I have medicare and insurance where I work. Hope everyone has a good day and may God bless each of you and keep you safe. :)
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Yeah, all of my office visits are out of pocket (after a deduction from my insurance company). It sucks to pay more at the drs office but I am paying substantially less in premiums. Since I (knock on wood) don't go to the dr often it is actually saving me money.
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i thought i was in good hands with health net but when i found out that they didnt cover dental coverage, that did it, that has to take the cake for frauds out there, everywhere you go its a zero
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All insurances are different and finding doctors that takes your particular insurance. It can be a bit of a headache trying to choose a health insurance that isn't too expensive.
So far my health insurance works ok and I am a little satisfied.
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The health/medical insurance that I have is through my former employer. Sometimes my insurance is more than the previous year. One year my co-pay was only $10 then it increased to more than $40. I don't complain about that but if I have to see a specialist, the co-pay is really too expensive. They think that I go to a specialist for cosmetic reasons which is not true and they don't care.
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ObamaCare has just about ruined insurance for health care. People should be able to buy catastrophic insurance and then pay for all of the rest out-of-pocket. Doctors would then be able to lower their charges because they wouldn't need so many employees to handle insurance work.