General Discussion

IthinkThereforeIAM

(3,310 posts)

160. Oh, OK...

Fri Oct 4, 2013, 11:43 AM

Oct 2013

... I was wondering about the, "$10,000", mentioned in your post, too. I had gall bladder removal surgery this past January and the total costs, including 2 emergency room visits, ultra sound and CAT(on successive visits) along with the hospitalization, OR and surgeon's fees(he waived all after what Medicare B paid, bless his heart) it came to $18,000, of which I had about $1,500 to pay out of pocket. I know, I should have been under a supplementary plan, but procrastination seems to be my favorite hobby.

Needless to say, the surgeon chewed out the OR director as I sat in the exam room following my second ER visit. They should have never let me go home after the first one, and I ended up having to have emergency surgery as I had 8 gall stones and my gall bladder was the size of a flip phone, ready to burst.

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Finally got my Health Insurance. The Affordable Care Act isn't that good. [View all] grantcart Oct 2013 OP

This message was self-deleted by its author Squinch Oct 2013 #1

Wow. That is great for you. and the rest of us. I know there are still things that need to Hoyt Oct 2013 #2

...oops. Missed that second line. But I read the WHOLE rest of it, I swear! Squinch Oct 2013 #3

Thank you so much grantcart for your very informative post pnwmom Oct 2013 #4

well I was a strong supporter of it after I learned that they would control the Medical Loss Ratio grantcart Oct 2013 #7

I'll be stuck w bronze plan with 40% out of pocket WillYourVoteBCounted Oct 2013 #120

If you go to the relevant page 13 grantcart Oct 2013 #133

When you said "10,000" maximum that isn't a cap is it? Maraya1969 Oct 2013 #145

It means maximum out-of-pocket Autumn Colors Oct 2013 #150

Oh, OK... IthinkThereforeIAM Oct 2013 #160

Kicking so more people see this. nt riqster Oct 2013 #5

k&r HappyMe Oct 2013 #6

Wow, that seems equivalent to the cost of high-quality employer insurance frazzled Oct 2013 #8

well copay for hospital is $ 500 a day but I am fine with that grantcart Oct 2013 #12

That's $10k for the whole year, right? Nye Bevan Oct 2013 #20

I assume so but won't know all the details until I get the fine print grantcart Oct 2013 #23

"The highest plan you can afford with subsidies" might not always be the best choice. missingthebigdog Oct 2013 #42

Okay, but if you're 59 and have diabetes ... frazzled Oct 2013 #45

I absolutely agree that if you are going to utilize it heavily, missingthebigdog Oct 2013 #68

K&R! Whisp Oct 2013 #9

K&R B Calm Oct 2013 #10

Good to hear. SalviaBlue Oct 2013 #11

Well I prefer 'sardonic understatement', lol, but thanks. grantcart Oct 2013 #14

$444 is what you'll pay each month? Puzzledtraveller Oct 2013 #13

for me an Mrs. grantcart grantcart Oct 2013 #16

I wonder what my total plan cost is. Puzzledtraveller Oct 2013 #22

Ah... let me guess, Union job? druidity33 Oct 2013 #103

K&R for Unions. The ACA too. dotymed Oct 2013 #152

This is great news for you and your wife, grant! sheshe2 Oct 2013 #15

Woohoo! Thanks for posting. judesedit Oct 2013 #17

Thanks for the report. Wish I could do this. freshwest Oct 2013 #18

It is a start Nimyth Oct 2013 #19

Welcome to DU. grantcart Oct 2013 #21

Congrats. Daniel537 Oct 2013 #24

Agreed. Repubs are trying to sabotage the ACA via refusing Medicaid expansion. riqster Oct 2013 #35

Kick and Rec Kingofalldems Oct 2013 #25

Can you imagine how this will translate to economic growth? Old and In the Way Oct 2013 #26

Or how the entire medical industry will have 10 million paying customers dumped on grantcart Oct 2013 #38

we are licking our chops here in chicago. mopinko Oct 2013 #127

Congrats. But do you resent burning $5k a yr on ins? leftstreet Oct 2013 #27

I already pay 12K a year. Through my employer plan. riqster Oct 2013 #29

Well that should change by 2018 leftstreet Oct 2013 #33

My employer pays the premiums, but we have a 12K deductible. riqster Oct 2013 #40

For the people who's employer offers coverage Puzzledtraveller Oct 2013 #41

Describes it perfectly. riqster Oct 2013 #67

Of course not. Based on the income it is very fair. grantcart Oct 2013 #31

Well that's cool leftstreet Oct 2013 #37

on 50 grand income questionseverything Oct 2013 #69

a little misunderstanding grantcart Oct 2013 #74

How much would he have to burn in a Universal/Single Payor system?? cbdo2007 Oct 2013 #63

Would you be asking the same question if it was taxes paid for health coverage? Ikonoklast Oct 2013 #83

If we were both to get sick same year, we'd need to come up with a minimum 3Ok to pay blue cross for DeschutesRiver Oct 2013 #90

Spreading outside of DU (with the author's permission) riqster Oct 2013 #28

I don't know why I never realized that YOU were Mr. Blunt & Cranky. You're awesome. kestrel91316 Oct 2013 #59

Thank you! riqster Oct 2013 #65

I never looked at your profile. It's right there, lol. kestrel91316 Oct 2013 #71

3 a.m. EST, CST, MST or PST, because mrmpa Oct 2013 #30

3 am Eastern. grantcart Oct 2013 #34

Same here in South Cackalackey. StandingInLeftField Oct 2013 #171

Congrats! Good post. n/t Benton D Struckcheon Oct 2013 #32

Excellent, very happy for you. I enjoy reading how in specifics ACA is making such a difference Jefferson23 Oct 2013 #36

K&R BumRushDaShow Oct 2013 #39

you rock, grantcart! BlancheSplanchnik Oct 2013 #43

Fabulous! I'm in NC, so I'm nervous... OneGrassRoot Oct 2013 #44

Experian wasn't open? That's a credit reporting agency. denverbill Oct 2013 #46

They weren't open at 3:00 am for a "live" conference call with the ACA counselor grantcart Oct 2013 #51

OK if they are using it to verify the name that makes more sense. denverbill Oct 2013 #54

They are included as trusted data sources. Puzzledtraveller Oct 2013 #56

OK, that makes sense as well now. denverbill Oct 2013 #58

Thank you, grantcart, Sissyk Oct 2013 #47

THIS is driving the freepers INSANE! Rex Oct 2013 #48

They must like spending more to get less, and hate saving money. Ikonoklast Oct 2013 #87

That was a GREAT headline tease. :) tofuandbeer Oct 2013 #49

No insurance for 3 years, HockeyMom Oct 2013 #50

I understand the need to be pro active and I got my Diabetes under control by being pro active and grantcart Oct 2013 #53

If you got hit by a car next month you'd be glad you had Medicare. n/t pnwmom Oct 2013 #72

No HockeyMom Oct 2013 #93

I didn't say you would die. If you were a mass of broken bones pnwmom Oct 2013 #99

It is the not dying that is a bitch. Curmudgeoness Oct 2013 #102

Or badly wounded but not dead IronLionZion Oct 2013 #114

If you break an arm, will you set it yourself? SheilaT Oct 2013 #82

I had food posioning 3 years ago HockeyMom Oct 2013 #94

Lots of people have had food poisoning and didn't go to the hospital. pnwmom Oct 2013 #100

Yes, you have that right. But it sounds almost like a death wish. IrishAyes Oct 2013 #124

I had food poisoning about 7 years ago davidpdx Oct 2013 #146

I was my Mom's Health Proxy HockeyMom Oct 2013 #105

I still wonder what you'll do if you break an arm or a leg. SheilaT Oct 2013 #135

I got some kind of bug bite a week ago HockeyMom Oct 2013 #174

So you really will set a broken arm or leg yourself. SheilaT Oct 2013 #175

I know what a broken bone looks like HockeyMom Oct 2013 #176

That sounds cool. Crunchy Frog Oct 2013 #182

One of the worst scenarios I can imagine is having a disabling stroke, No Vested Interest Oct 2013 #136

My father went through several strokes davidpdx Oct 2013 #149

David, I'm sorry you experienced that at the end No Vested Interest Oct 2013 #164

Well, your health must be excellent, that's good nadinbrzezinski Oct 2013 #165

kick Liberal_in_LA Oct 2013 #52

grantcart, for the self-employed are they using Lex Oct 2013 #55

I don't know. grantcart Oct 2013 #61

Thanks. Lex Oct 2013 #122

I can't imagine they would use gross income Abq_Sarah Oct 2013 #134

sounds good... awoke_in_2003 Oct 2013 #57

Thanks, great info! About that verification problem - MH1 Oct 2013 #60

I use e-verify at work..... llmart Oct 2013 #111

Wow, that's interesting. MH1 Oct 2013 #125

Yeah, I was thinking that the teabaggers...... llmart Oct 2013 #148

That is wonderful! TxDemChem Oct 2013 #62

Damn right! The AFA is far from great. It's just a baby step in the right direction. maddiemom Oct 2013 #64

You obviously didn't read the OP. He says it's a "stunning, revolutionary change" pnwmom Oct 2013 #73

to be clear it is a stunning, revolutionary change for grantcart Oct 2013 #75

My healthy 26 year old will pay half as much pnwmom Oct 2013 #77

Well, that kind of sucks Art_from_Ark Oct 2013 #106

People on Medicare ALREADY have this kind of coverage. pnwmom Oct 2013 #107

Here's the deal with my family member: Art_from_Ark Oct 2013 #110

Do you know why she's having to pay so much for drugs? pnwmom Oct 2013 #115

I don't know why, exactly, that one drug costs so much Art_from_Ark Oct 2013 #117

If she has a paid-for home, there is the option of pnwmom Oct 2013 #119

She did look into a reverse mortgage, Art_from_Ark Oct 2013 #128

She is right not to get into any kind of arrangement like that pnwmom Oct 2013 #129

I just heard from her Art_from_Ark Oct 2013 #186

I'm so glad for you both. pnwmom Oct 2013 #187

K & R SunSeeker Oct 2013 #66

So glad to hear that - TBF Oct 2013 #70

Wonderful to hear this!! K&R! hue Oct 2013 #76

Please stop spreading this propaganda. The freeper heads are exploding and the noise is keeping me Happyhippychick Oct 2013 #78

I got mine yesterday Cryptoad Oct 2013 #79

great grantcart Oct 2013 #80

$444 JustAnotherGen Oct 2013 #81

Individual results may vary. Orsino Oct 2013 #84

As soon as I get back home, I'm dumping my plan. Ikonoklast Oct 2013 #85

Well I wouldn't dump it until you have gone through the process. grantcart Oct 2013 #86

Already looked at what's available, I'll save $95 a month and get much better coverage. Ikonoklast Oct 2013 #88

Remember, it goes into effect in January, No Vested Interest Oct 2013 #140

I'm already paid up into November, the next bill from them will be my last. Ikonoklast Oct 2013 #144

Thank you, grant! Cha Oct 2013 #89

Excellent read!! TY Hulk Oct 2013 #91

nice report, thanks for all the info! n/t coeur_de_lion Oct 2013 #92

Thanks for taking so much time to convey pangaia Oct 2013 #95

WOW... humbled_opinion Oct 2013 #96

A number of things grantcart Oct 2013 #109

Interesting humbled_opinion Oct 2013 #167

Young folks can opt for catastrophic only, for about $ 1.50 a day grantcart Oct 2013 #169

Glad to hear it! Looking forward to signing up, too Maeve Oct 2013 #97

I'm still shopping the ACA, but you're right! ffr Oct 2013 #98

It is unbelievable Mnpaul Oct 2013 #101

That sounds like a glitch. Keep trying and/or phone the call center. hedda_foil Oct 2013 #141

We had a working insurance marketplace Mnpaul Oct 2013 #151

Thanks for posting. hay rick Oct 2013 #104

You had me going there with your subject title Grateful for Hope Oct 2013 #108

Good for you! llmart Oct 2013 #112

Wow. Just wow. Thank you so much for putting this together for all of us here. Hugs & nt. Hekate Oct 2013 #113

Good idea. I've been thinking the same thing chill_wind Oct 2013 #116

Awesome! 47of74 Oct 2013 #118

Drat your hide, man! IrishAyes Oct 2013 #121

Well it wasn't aimed at the home team but all the Freepers, Cave Dwellers and Trolls grantcart Oct 2013 #123

Well, a good jolt to the heart is helpful at my age! Most fun I've had all day. IrishAyes Oct 2013 #126

in that case stop by here and MFM will give you a nice bump every day grantcart Oct 2013 #132

Thanks. I subscribed. IrishAyes Oct 2013 #157

Happy for you! cilla4progress Oct 2013 #130

Thanks grant for using your enforced off time from work so Cha Oct 2013 #131

Great "how-to." Thank you! emsimon33 Oct 2013 #137

It will benefit the working poor more than anything. joshcryer Oct 2013 #138

. mzmolly Oct 2013 #139

Curious how you got a subsidy for a gold plan eridani Oct 2013 #142

Here's some info I found. DebJ Oct 2013 #153

and this also: DebJ Oct 2013 #154

Early on you are asked if you want to go straight to the plans or see if you qualify for a subsidy. grantcart Oct 2013 #155

I've been self employed in the past and insurance was always an issue Matariki Oct 2013 #143

Grant you old devil, your sarcasm is baddddddddd! davidpdx Oct 2013 #147

K & R! lonestarnot Oct 2013 #156

My rate is going down $9 PasadenaTrudy Oct 2013 #158

how much better is the coverage? grantcart Oct 2013 #159

No deductibles PasadenaTrudy Oct 2013 #166

Kick for Visibility. NYC_SKP Oct 2013 #161

I also got something amazing!! Autumn Colors Oct 2013 #162

great grantcart Oct 2013 #177

oh the horror konnie Oct 2013 #163

Suggest you use sarcasm in your OP title.... Populist_Prole Oct 2013 #168

cool. nt Deep13 Oct 2013 #170

Can someone tell me more about the ACA paying premiums? Have a lot of relatives who hate this law. tjdee Oct 2013 #172

I recommend that the best way is to go to Healthcare.gov and try for yourself grantcart Oct 2013 #173

Thank you! will definitely pass that on. nt tjdee Oct 2013 #179

Sounds pretty good to me cristianmarie533 Oct 2013 #178

good luck and welcome to DU grantcart Oct 2013 #195

Great post. SoapBox Oct 2013 #180

That's 10% of your pretax income. grahamhgreen Oct 2013 #181

What about that increased demand? beakt Oct 2013 #183

Welcome to Du, may you read and learn here. A couple points. WTF. And why are you here? uppityperson Oct 2013 #184

...and I would add cyberswede Oct 2013 #190

Hi cswede, there is that too. uppityperson Oct 2013 #192

Perhaps the most ignorant statement ever made on the subject. grantcart Oct 2013 #185

I found that in Indiana with our Tea Bagger Governor that INdemo Oct 2013 #188

Awesome post as always GC. n/t vaberella Oct 2013 #189

thanks grantcart Oct 2013 #191

Thanks for post of excellent topic. lots of good Affordable Care Act advice here. Sunlei Oct 2013 #193

thanks grantcart Oct 2013 #194