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.
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...