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hfojvt

(37,573 posts)
12. I was uninsured for 22 years
Thu Mar 27, 2014, 01:42 AM
Mar 2014

from the age of 22 until I was 44. Had one "modest medical incident" that took me to the emergency room. It cost me $800 which the hospital allowed me to pay $50 a month, and with a credit card. It would have cost a mere $300 if not for the unnecessary X-rays. I usually call procedures like that a "walletectomy".

Even my four day hospital stay (for the same problem as the e-room visit) wouldn't have meant bankruptcy (although by that time I had insurance, and fortunately they said nothing about my 'pre-existing condition' although I have had swallowing issues since college.) I was kinda devastated when I got a bill for $13,900, but not because I would go broke. Only because it would wipe out most of my life-savings.

I did some insurance shopping last week. The lowest price was about $314 a month, about 60% of what my employer pays. But twice the deductible and twice the co-pays. A $40 co-pay for an office visit. $2,000 seemed like a huge deductible too.

Oh, and I also had some really modest medical issues that got solved by a pharmacist and a free "ask a nurse" line.

Recommendations

0 members have recommended this reply (displayed in chronological order):

Kick. Scuba Mar 2014 #1
Thank you. nt Sarah Ibarruri Mar 2014 #4
K&R nt TBF Mar 2014 #2
Thanks! nt Sarah Ibarruri Mar 2014 #3
k&r for exposure. n/t Laelth Mar 2014 #5
Point out bad portions (such as high specialty med co-pays).... Junkdrawer Mar 2014 #6
Junkdrawer, are you aware that this is the introduction of a program and NOT THE FINAL PRODUCT? Sarah Ibarruri Mar 2014 #7
What on earth is my problem? No real competition. Junkdrawer Mar 2014 #8
I compare it to early social security. nadinbrzezinski Mar 2014 #9
Again, this is the 1st version of the 1st try to insure everybody Sarah Ibarruri Mar 2014 #16
READ post #8. n/t Junkdrawer Mar 2014 #17
I did. I don't understand why you keep repeating something that has no bearing to what I am telling Sarah Ibarruri Mar 2014 #18
If you don't understand, you don't understand... Junkdrawer Mar 2014 #23
473 hours? hfojvt Mar 2014 #10
Ever try to add up the "Before Insurance Discount" columns on a bill. Junkdrawer Mar 2014 #11
I was uninsured for 22 years hfojvt Mar 2014 #12
This is the FIRST VERSION of this first attempt EVER at insuring everyone. Sarah Ibarruri Mar 2014 #15
Thank you, Sarah~ Cha Mar 2014 #13
You're welcome! nt Sarah Ibarruri Mar 2014 #14
Kick! Cha Mar 2014 #19
Did someone say "First Doctor"? Nye Bevan Mar 2014 #20
It's post like this that keeps me coming back to du for more madokie Mar 2014 #21
Thanks, Madokie nt Sarah Ibarruri Mar 2014 #22
Latest Discussions»General Discussion»First Doctor Visit in Fiv...»Reply #12