RE: A tale of American healthcare as told through one Doctor visit
December 6, 2018 at 6:43 pm
(This post was last modified: December 6, 2018 at 6:44 pm by Jackalope.)
It's insane that insurance here is tied to your employment.
You might get no insurance at all.
You might have the shit insurance my employer offers due to being in a tiny risk pool (high premiums, 6500/13000 in network individual/family deductible, 100% coverage of covered services after deductible is met. Out of network? Forget it.
You might have insurance like my wife's. Far lower premiums than mine, 1150/2300 in-network individual/family deductible. Preventative care and mental health covered 100% regardless of deductible. Most covered services are 80% covered after deductible, and the maximum out of pocket is half what my employers is. Guess which plan we chose?
Or, you might have a chronic condition that's no longer covered when you change employers or your employer changes health plans.
Lose your job and need a bridge plan to carry you to the next job? Good luck paying the premiums if you're like many and have to live pay check to pay check.
You might get no insurance at all.
You might have the shit insurance my employer offers due to being in a tiny risk pool (high premiums, 6500/13000 in network individual/family deductible, 100% coverage of covered services after deductible is met. Out of network? Forget it.
You might have insurance like my wife's. Far lower premiums than mine, 1150/2300 in-network individual/family deductible. Preventative care and mental health covered 100% regardless of deductible. Most covered services are 80% covered after deductible, and the maximum out of pocket is half what my employers is. Guess which plan we chose?
Or, you might have a chronic condition that's no longer covered when you change employers or your employer changes health plans.
Lose your job and need a bridge plan to carry you to the next job? Good luck paying the premiums if you're like many and have to live pay check to pay check.
