January 2, 2018

What's the Damn Point of Having It?

So over the past couple weeks, my right shoulder has been aching and bothering me a fair bit.  It's at the point where I'm popping ibuprofen on a consistent basis, and it has been known to wake me at night if I roll over wrong or get all contorted. 

So this morning, I log in to my health insurance website and start looking around.  I don't need a referral to see a specialist, so I begin by looking for an orthopedist. 

Mind you, this is the insurance for which I've paid a couple hundred dollars every month for the past year and a half or so.  And have never once used. 


Every orthopedist in a 25 mile radius from my apartment?  Insurance will pay $0.00. 


At all. 

To go in and have a shoulder specialist look at my shoulder will cost me $350 out of pocket. 

Then he or she will want an X-ray of MRI of the shoulder to rule in or out things like acromioclavicular joint separation, rotator cuff tears, and so forth.  That's going to end up coming out of pocket as well. 

Let's assume I'm paying $150/paycheck towards health insurance.  That's $3900 a year.  And that does not count what my employer puts into it. 

So, I'm out $3,900 a year, then have to meet a $2,500 deductible before the insurance company kicks in anything.  Up to $6,400. 

Finally, I have an out of pocket maximum for the year of $5,000.... So, including cost of insurance every month, I could spend just shy of $9,000 a year.

What's the damn point of health insurance again?  I'd wager I can spend less than $9,000 and get the care I need...


Aaron said...

Yep, our family's monthly cost is up to 1,000 and we have an $8,000 deductible before the insurance kicks in, so like you, we have to pay 20K before insurance deigns to cover anything, which is rather a flippin' lot of money and a substantial bite out of our budget.

Basically, and this is not understood by Democrats, health insurance is not a guarantee of health care.

This health insurance is only good for catastrophic coverage if the family hits over $8,000 in a year. I do note that a good portion of the monthly cost is for an Obamacare tax that subsidizes people so they get for cheap and don't have to pay for what we the unsubsidized are paying for.

Up until Trump the point of having it was so you didn't pay the Obamacare "not having it" tax and for catastrophic care. Now its just for catastrophic care.

In short, Obamacare has really wreaked havoc on the healthcare system, screwing over middle class self-employed folks like me and my family to instead shower benefits on the Democrat core constituents.

Gromit said...

This is exactly what the rest of us have been dealing with with Obamacare. In my case, I pay almost 1500 a month for the priviledge of having to pay for everyting up to the ~ $9K deductible for myself, and for my family, the family deductible is far higher. The premiums pay for the vast army of administrators, not for healthcare. All we have done is take money from our pockets and create "jobs" for the leftist believers in this collective hot mess of healthcare.


Old NFO said...

Yep, you, and everyone else is getting screwed!