I'm not sure what some people call healthcare, but I know that I wouldn't exactly call the insurance that I have "CARE".
I'll begin by saying that Oda Mae and I cannot afford to be on Oda Momma's insurance plan because it would cost us nearly $500.00 a month. Oda Momma actually has pretty good insurance, but her employer pays for it. Oda Mae and I are on a plan that I found through some some references.
In order to afford health insurance for myself and Oda Mae we have to have a very high deductible. Now, if something really bad were to happen and one of us ended up with thousands of dollars of medical bills, we'd be able to pay the $1500.00 deductible and the insurance company would pay the rest. That's fine, BUT what about our normal health care? I end up paying for all of Oda Mae's doctor visits which turns out to be at least $100.00 or more per visit. Fine. This week when Oda Mae was diagnosed with eczema, the doctor prescribed two different creams to take care of her. I take care of my kid, so I went to get her prescriptions filled as soon as I had a chance. Now, again, in order to make monthly insurance payments, our prescription deductible is $500.00. Take a guess at what the cost of those two tubes of cream were going to cost me. We're talking about tubes that are about the size of a travel toothpaste tube. Come on guess.....
$50.00
No way....
$100.00
Nope.....
They were going to charge me almost $265.00 for both tubes!!!!!!!!!!
You talk about a racket! Now, my Oda Mae is worth it, believe me, but $265.00 for a couple tubes of cream that will keep her from itching too bad? Come on. I ended up getting a portion of the prescription filled for a considerably less amount of money.
I'll get to my point now. The average "self-employed" person can't get any kind of health insurance that is worth a flying flip. My premiums are going up 18% in May in order "to reflect the rising cost of medical treatment". What medical treatment!!!!!! I can't get medical treatment because I can't afford my deductibles. I can't afford to lower my deductibles because then I couldn't afford the monthly premiums. So what do I do. I take care of my kid as best I can and hope that I don't fall off the roof in October when I'm putting up my Christmas lights!
All I'm saying is that maybe the system here in the US isn't as good as it could be.
"I need better healthcare!!!!" I'll begin by saying that Oda Mae and I cannot afford to be on Oda Momma's insurance plan because it would cost us nearly $500.00 a month. Oda Momma actually has pretty good insurance, but her employer pays for it. Oda Mae and I are on a plan that I found through some some references.
In order to afford health insurance for myself and Oda Mae we have to have a very high deductible. Now, if something really bad were to happen and one of us ended up with thousands of dollars of medical bills, we'd be able to pay the $1500.00 deductible and the insurance company would pay the rest. That's fine, BUT what about our normal health care? I end up paying for all of Oda Mae's doctor visits which turns out to be at least $100.00 or more per visit. Fine. This week when Oda Mae was diagnosed with eczema, the doctor prescribed two different creams to take care of her. I take care of my kid, so I went to get her prescriptions filled as soon as I had a chance. Now, again, in order to make monthly insurance payments, our prescription deductible is $500.00. Take a guess at what the cost of those two tubes of cream were going to cost me. We're talking about tubes that are about the size of a travel toothpaste tube. Come on guess.....
$50.00
No way....
$100.00
Nope.....
They were going to charge me almost $265.00 for both tubes!!!!!!!!!!
You talk about a racket! Now, my Oda Mae is worth it, believe me, but $265.00 for a couple tubes of cream that will keep her from itching too bad? Come on. I ended up getting a portion of the prescription filled for a considerably less amount of money.
I'll get to my point now. The average "self-employed" person can't get any kind of health insurance that is worth a flying flip. My premiums are going up 18% in May in order "to reflect the rising cost of medical treatment". What medical treatment!!!!!! I can't get medical treatment because I can't afford my deductibles. I can't afford to lower my deductibles because then I couldn't afford the monthly premiums. So what do I do. I take care of my kid as best I can and hope that I don't fall off the roof in October when I'm putting up my Christmas lights!
All I'm saying is that maybe the system here in the US isn't as good as it could be.
"and insurance!!!!"
-OD