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1monster

(11,045 posts)

13. When I bought my insurance, I was told my deductible was $6,000. But when I

Reply to antigop (Original post)

Tue Jan 6, 2015, 07:32 AM

Jan 2015

got my statement six months in, it showed that my deductible was $6,000 for in network doctors and facilities and $25,000 for out of netork doctors and facilities. So my deductible is $31,000.
And it only will pay 60% of the costs after the deductible is met.

My whole family's medical deductions per year are rarely even $1,000. And the cost of that I surance just went up $90 per month with never a single claim made. What a racket.

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Highlight:

Dilemma over deductibles: Costs crippling middle class [View all] antigop Jan 2015 OP

What is an average deductible for an average worker now? napi21 Jan 2015 #1

Last year from my husband's work, it was $2K/individual, $4K family. Roselma Jan 2015 #7

Mine is $6k BrotherIvan Jan 2015 #10

Mine is now $8300 for me & spouse. Basically 1/4 of my take-home Doctor_J Jan 2015 #15

Yes, it's funny BrotherIvan Jan 2015 #16

Deductible amounts of over $1000 for the last four years really hurts when it Thinkingabout Jan 2015 #2

I have a Medicare supplemental policy...costs me $220 a month. But I pay no CTyankee Jan 2015 #28

I was on a retirement benefit and that was the plan, since then we have been placed with AON Thinkingabout Jan 2015 #30

This has to be B.S. Sopkoviak Jan 2015 #3

I can afford the premiums. That's something. Roselma Jan 2015 #8

Is this sarcasm? BrotherIvan Jan 2015 #11

you're joking, right? magical thyme Jan 2015 #23

My DH covers us both and for a family plan the deductible is $6k - which is outrageous IMNSHO Hestia Jan 2015 #4

Yes at least in many cases HSA use it or lose it. Find out your specifics lunasun Jan 2015 #5

You're thinking of FSA's R.A. Ganoush Jan 2015 #27

There are different HSA's. Some are used like 401K's Roselma Jan 2015 #6

people that HAD insurance are now political lepers and have to be punished. quadrature Jan 2015 #9

And until we get single payer... Paka Jan 2015 #12

+1 area51 Jan 2015 #22

Most Americans only know English. Erich Bloodaxe BSN Jan 2015 #26

When I bought my insurance, I was told my deductible was $6,000. But when I 1monster Jan 2015 #13

The entire premise of Heritage Care was to place the cost burden on middle/working class people Doctor_J Jan 2015 #14

I read all the responses to my question about the deductible costs, and I'm shocked! napi21 Jan 2015 #17

Cartoon: Costly Insurance Deductibles antigop Jan 2015 #18

Very good article OhioChick Jan 2015 #19

as I repeatedly have stated...it doesn't do you any good to have insurance you can't afford to use. antigop Jan 2015 #20

Isn't that the truth! n/t OhioChick Jan 2015 #21

And the Democrats own it 100%, not a single Republican vote for Heritage Care Fumesucker Jan 2015 #24

I avoid "health care" for two reasons: bemildred Jan 2015 #25

Message auto-removed Name removed Jan 2015 #29

This is why the ACA doesn't cut it. Maedhros Jan 2015 #31

as I repeatedly have stated...it doesn't do you any good to have insurance you can't afford to use. antigop Jan 2015 #32

Force-placed insurance, at that. [n/t] Maedhros Jan 2015 #33

Message auto-removed Name removed Jan 2015 #34

What's with the Kos hate? [n/t] Maedhros Jan 2015 #35