Until this morning... I'd never gone to the doctor and asked, "What am I having done and how much is it gonna cost me?"
This was my first visit to the doctor in a year. Again... I thank God I am healthy and that we did not meet our $13,000 deductible for 2016.
"$258.00, without any lab work or other diagnostics." She said.
The thought of a bill in December for a minimum of $258.00 on top of our $914.00 monthly health insurance premium (for myself and my two children) was too much.
Fortunately, my health care provider is kind and smart. She managed to eliminate (or postpone) three procedures I was scheduled for today. Don't know exactly how much money I saved... but I'm sure it is significant.
I hope the insurance plan I find for 2017 will be better.
I just hung up with a broker. He assured me... "It won't."
Our health insurance situation is an absolute mess. No matter how you look at it, or try to justify it, it's one hundred ways to wrong. Middle class people like me pay the big bucks while emergency rooms and urgent care facilities are filled with huge amounts of people who will never pay a dime.
The change isn't working. The situation is worse.
And so... here comes 2017. I guess premiums are going up. Oh, okay. Sure. Whatever you need.
Btw.. I don't blame the broker. He's just the messenger. It's the people in those meetings... probably somewhere warm and tropical... where our insurance fate is determined... in terms of cost and benefit. Those people... the lobbyists and politicians who keep insurance companies in the money... they are the ones who should be held accountable.
What about a "Good Health" policy; something like a "Good Driver" policy, where if you didn't use the coverage you were forced to pay for... you get some back at the end of the year?
If you know me... you know I don't care for buffets. That said, I want my cafeteria plan back! I know what my needs are and I did just fine trusting God for the rest.
So therefore, do not be afraid; I will provide for you and your little ones.” So he comforted them and spoke kindly to them.