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Old 05-03-2008, 07:09 PM   #81
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Originally Posted by Johnphx View Post
The one drawback I suppose is that since having my HSA plan, I have not gone to the doctor once, because I don't want to pay for it. Does anyone else find themselves not going in order to avoid tapping their HSA funds?
I was reluctant at first but now that my HSA can cover a year's deductible, I no longer worry about it. Part of my HSA is cash, for yearly expenses, and part is invested in Vanguard, for long-term growth.

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Old 05-04-2008, 09:37 AM   #82
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Join Date: Jul 2006
Location: Denver
Posts: 2,433
$650/mo for two. (two individual policies)
44 & 47
Horizon BC/BS in NJ
HMO w/Deductible and Coinsurance
$2500/ea deductible
$5000/ea max annual out of pocket
No lifetime limit.
$40 copay
50% co-insurance

NJ is a community rating state, so rates are high, but coverage guaranteed. We're healthy, so are paying a lot to keep from going broke if one of us gets seriously ill.

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Old 05-04-2008, 11:12 AM   #83
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Originally Posted by eridanus View Post
Lacking drug coverage is huge. Maybe more so in the US where drugs are more expensive.
Both statements are absolutely true. And drug costs are increasing at much more than the CPI.

"What is driving increases in health spending?
Certainly spending increases in some areas are an issue. While spending on doctors and hospitals as a percentage of GDP has not changed much in the last 20 years, viii increases in other areas have been dramatic. However, in most cases these cost drivers are areas that fall outside of medicare. vii, xiv, xv For instance, expenditures on prescription drugs — which generally fall outside the scope of public insurance plans and are paid for by a combination of public and private insurance and out-of-pocket payments — have more than tripled their share of the GDP over the last two decades. vii Other cost drivers include community services, which have never been fully publicly covered. xv "

Myth: Canada’s system of healthcare financing is unsustainable | Mythbusters | Mythbusters & Evidence Boost | Publications and Resources | CHSRF
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Old 05-04-2008, 12:36 PM   #84
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Posts: 3,895
i seem to be paying into the elderly south florida population insurance pool.

single, healthy, non-smoking male age 51
unitedhealthcare premium $350/month - up from $300/month in 2007
$2850 deductible - no copays - no coinsurance - $2mm limit
"pre-existing" to private policy (developed while in group policy of same insurance company) glaucoma now not covered = ~$70/month rx and $150/year exam out of pocket and not applicable to deductible. what a rip!

currently investigating cost reduction. downsizing to north florida might lower premiums. international health insurance would reduce premium to $250/month which apparently allows for u.s. residency after securing policy overseas or can reduce costs much more so sans u.s. coverage.
"off with their heads"~~dr. joseph-ignace guillotin

"life should begin with age and its privileges and accumulations, and end with youth and its capacity to splendidly enjoy such advantages."~~mark twain - letter to edward kimmitt 1901
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Old 05-05-2008, 01:04 PM   #85
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Posts: 491
Poll - ACTUAL non-subsidized heatlh care cost in ER.

Number of people: 3
Ages: 40s, 40s and teens
Annual premium: $5,000
Deductible: $5,000/person, $10,000 family
Location: Major urban area in Texas
Previous Health problems: None
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Old 05-05-2008, 02:01 PM   #86
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Originally Posted by Oldbabe View Post
Another aspect of individual health insurance for ERs: the exclusions. In my case, all dermatology check ups and care as well as several other exclusions that don't require treatment or care at the moment.

Accounting for premiums and deductibles doesn't always reveal the total cost when there is treatment for exclusions that must be paid for out of pocket.
So your insurance company is saying if you get skin cancer, you're on your own?

That sucks.

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