Originally Posted by dirtyplotte
we pay ~200 a month for insurance. we have a 5500 deductible which means that it only kicks in after we have paid out over 5k with no help. then insurance will kick in and cover 80% but only on fees they deem appropriate.
this means that even if my doctor is covered by them, if my doctor charges more than the allowable, we are responsible for everything above the allowable, and the insurance will only pay 80% of the allowable.
we estimate 10K a year in health related stuff for our family.
this sounds like my ****ty *** hmo, only my deductible is 2700 with no prescription coverage.
the only plus to being poor is i've qualified for medical aide so far. i have to reapply every 6 months and get all treatments approved first but without it there is no way i could afford the hundreds of dollars worth of prescriptions i need every month, nor my neurologist or gyno appointments i'm always at.
obamacare only saved me $2 a month on my membership fees for one year then it went away. the us government isn't ever going to do anything for me so they can just go eat donkey dicks as far as i'm concerned.