Democratic Primaries

Celerity

(54,650 posts)

93. so (given a 6000 dollar annual deductible) you had to pay $17,500 or so per year??

Fri Jun 7, 2019, 04:05 PM

Jun 2019

Was that just for you or for your whole family (if you have one) and did that include all prescription drug costs?

That is crazy high (NOT doubting you at all, I know you are 100% upfront, completely). I am just shocked that your ACA plan was so expensive, especially if it was only for you personally and even worse if pharma wasn't included.

I remember reading a post last year (I so wish I had bookmarked it) by a fellow Californian, not much older than me (I think they were 28, and I was 22 then) who said they were an independent contractor and because they went slightly over the $52,000 AGI limit (it might have been 55K) and thus lost all subsidies for their ACA pan, they would have had to pay almost 1500 USD a month and had some insane 8000 USD or more deductible.

The system sure seems so broken here, and TBH, I do not see even a public option passing. The same insurance lobbyists who spent over $100,000,000 (and that was just one group, and insurance firms only, it doesn't count big pharma, big medical, etc etc) in the last 14 months (prior to its passage) trying to stop the ACA are vowing to do the same with the public option. I have posted on that multiple times in the past.

If I were to vote in a presidential
primary today, I would vote for: Joe Biden

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I am on Medicare.. and Medicare is not free.. I had free insurance from work till I retired [View all] Peacetrain Jun 2019 OP

What's your point? theaocp Jun 2019 #1

My point is .. Medicare is expensive.. retirement is not for the weak of heart.. Peacetrain Jun 2019 #3

You don't see how that CAN work? theaocp Jun 2019 #7

Because "tax the rich" wont raise nearly enough money to cover the costs. Go ahead, show the money. oldsoftie Jun 2019 #16

The point is NYMinute Jun 2019 #23

That's fine. Most people with employer Voltaire2 Jun 2019 #67

lol NYMinute Jun 2019 #133

No. Voltaire2 Jun 2019 #138

I'm not the poster you responded to but my point would be that it shouldn't have... SouthernProgressive Jun 2019 #79

The only way insurance for all can work is simple... uawchild Jun 2019 #11

... NYMinute Jun 2019 #26

Sounds like something Jesus would support lol n/t uawchild Jun 2019 #35

From wealthy conservatives. BannonsLiver Jun 2019 #40

Actually how Canada did it pandr32 Jun 2019 #54

that is not happening The Mouth Jun 2019 #66

How does it work? ask any other modern country. bahrbearian Jun 2019 #21

No it isn't. Medicare doesn't cover prescriptions and it only pays out at 80% tymorial Jun 2019 #72

You are talking about two different things. One at a time. LiberalLovinLug Jun 2019 #94

The Drug/Pharmacutical industry should be nationalized. rgbecker Jun 2019 #136

Absolutely LiberalLovinLug Jun 2019 #150

This message was self-deleted by its author Kahuna7 Jun 2019 #149

Right, but you have to... SkyDaddy7 Jun 2019 #73

Sorry to burst your bubble snowybirdie Jun 2019 #154

Nice try bahrbearian Jun 2019 #156

Calling it Medicare for All snowybirdie Jun 2019 #162

Low income seniors can get Medicaid on top of Medicare. I'm sure the same thing pnwmom Jun 2019 #76

Yep DownriverDem Jun 2019 #104

Supplemental Medigap insurance also depends on when you purchase it. Desert grandma Jun 2019 #139

Medicare is not free, but it is affordable health care for age 65+ people. ooky Jun 2019 #122

I am curious why you retired before age 65 Skittles Jun 2019 #140

Health reasons. ooky Jun 2019 #148

I cannot even imagine being in a physical job at my age Skittles Jun 2019 #157

This is one of many reasons why the ACA's subsidies are so important. ooky Jun 2019 #158

absolutely correct Skittles Jun 2019 #161

What some don't factor in is the deductible amount employer plans... brush Jun 2019 #160

Medicare is expensive and weak because all it covers is sick and elderly people. Hassin Bin Sober Jun 2019 #141

His point is Soxfan58 Jun 2019 #130

"Medicare for all" isn't the same as free healthcare. yardwork Jun 2019 #146

Are you getting a supplement insurance plan? uawchild Jun 2019 #2

That's important. There are several of them and many have that cost... brush Jun 2019 #159

Many do not realize that Medicare is an insurance company, not a health care provider question everything Jun 2019 #4

I have never really thought about it before, and talking with my friend Peacetrain Jun 2019 #5

Please explain the concept of hospitals "quitting". theaocp Jun 2019 #10

they close down dsc Jun 2019 #25

You mean Medicaid expansion. Not Medicare! hedda_foil Jun 2019 #38

thanks dsc Jun 2019 #65

Medicare pays less then commercial insurers tymorial Jun 2019 #126

Not sure how many hospitals would "quit," but a lot would have to cut back. Fact is, hospitals Hoyt Jun 2019 #30

A few years ago spouse had a knee replacement, 3 days in the hospital question everything Jun 2019 #137

Bingo. emmaverybo Jun 2019 #37

Unless the system was funded as if we gave a damn about each other. lostnfound Jun 2019 #53

"Unless the system was funded as if we gave a damn about each other" luvtheGWN Jun 2019 #101

We need to push for Dental and Hearing to be added to Medicare. We can spend billions if not walkingman Jun 2019 #6

Yep that is another 29.00 a month Peacetrain Jun 2019 #9

We have Medicare too-- ginnyinWI Jun 2019 #84

Agree. Medicare Advantage plans are the way to go. PPO, not HMO that is. pazzyanne Jun 2019 #109

Agree. llmart Jun 2019 #91

It is covered in Bernie Sanders plan. roody Jun 2019 #129

Medicare costs vary according to income IphengeniaBlumgarten Jun 2019 #8

oh crap... the 302 is my supplemental.. 135.50 is my part B.. got that turned around Peacetrain Jun 2019 #13

Well, you realize zipplewrath Jun 2019 #22

It may be better than the alternative, but it is hardly cheap. Big Blue Marble Jun 2019 #56

yabbutt zipplewrath Jun 2019 #98

And that $135 and $302 don't cover all of Part B and Part A Medicare costs. Hoyt Jun 2019 #44

Exactly that is what I am saying... Medicare does not cover all the services.. you have to pay the Peacetrain Jun 2019 #50

You're overpaying by a LOT on your supplemental policy. hedda_foil Jun 2019 #47

So did I research.. complicated health history.. has its costs Peacetrain Jun 2019 #51

That's true if you get a supplement when first eligible for Medicare. If you wait, you'll be charged Hoyt Jun 2019 #58

Yes. I initially considered F, but then reviewed G. sprinkleeninow Jun 2019 #113

Its not for the faint of heart that is for sure.. Peacetrain Jun 2019 #121

I don't know where you live, but my supplemental is $117 a month. You realize that all supplemental vsrazdem Jun 2019 #108

MFA would cost me quite a bit and is not adaptable for families...employer provides subsudies now Demsrule86 Jun 2019 #41

That isn't true. Voltaire2 Jun 2019 #100

the Medicare-for-all proposals expand Medicare beyond what it currently covers KayF Jun 2019 #12

The only way that will happen under our current political and corporate structure Big Blue Marble Jun 2019 #27

I can't see losing all those jobs. It won't happen and if we try...out goes our elected. Demsrule86 Jun 2019 #45

There will still be a need for many of those jobs. Voltaire2 Jun 2019 #102

MFA is not a winning issue....workplace insurance Wiill derail it as it Demsrule86 Jun 2019 #144

They would be paying much less for Voltaire2 Jun 2019 #145

Not true. MFA is EXPENSIVE. Demsrule86 Jun 2019 #165

Nope. Unbiased assessments evaluating Voltaire2 Jun 2019 #168

You paid for your employer based healthcare with lower wages Yavin4 Jun 2019 #14

this n/t uawchild Jun 2019 #18

They will never give employees extra wages if they no longer have to pay health care. Demsrule86 Jun 2019 #46

So ... make them all contribute to MFA like they now pay for private insurance? mr_lebowski Jun 2019 #77

Sure that will happen. MFA is not going to work. Demsrule86 Jun 2019 #143

Correct. I did not get any extra salary though I never took insurance through my employer. n/t seaglass Jun 2019 #120

Your anecdotal evidence is just that. Hassin Bin Sober Jun 2019 #147

Really? I have worked for more than one company and have never seen that an employee gets a higher seaglass Jun 2019 #167

They may not be the beneficiaries but they sure get the detrimental effects. Hassin Bin Sober Jun 2019 #169

Here is a chart for cost of medicare part b - 2019... asiliveandbreathe Jun 2019 #15

Remember you also have at least $135 deducted from your social security payments each month. Big Blue Marble Jun 2019 #17

I got my supplemental and part b turned around.. corrected it in the edit in my post Peacetrain Jun 2019 #20

Yes thank for making this point. Big Blue Marble Jun 2019 #28

I hear that.. hubby and I together are close to 1,000 a month in Medicare costs with the part be and Peacetrain Jun 2019 #61

The supplemental costs $0 where I live in CA. stopbush Jun 2019 #19

wow .. it gets a little tight trying to get both of our medicares and supplemental paid.. happy for Peacetrain Jun 2019 #24

That is because you chose the Republican designed Part C. Big Blue Marble Jun 2019 #39

A little over 30% of Medicare beneficiaries voluntarily choose Medicare Advantage because they don't Hoyt Jun 2019 #52

It really does depend on the quality of the HMO. Big Blue Marble Jun 2019 #60

If it helps people who can't afford a $150/$200 month supplement and drug plan, Hoyt Jun 2019 #62

We have been with Kaiser Permanente since 2005 stopbush Jun 2019 #86

You have a Medicare Advantage plan. It's different from Supplemental. hedda_foil Jun 2019 #48

I would like to know Ohiogal Jun 2019 #29

It was a benefit... Peacetrain Jun 2019 #31

Must have been quite a while ago. Voltaire2 Jun 2019 #106

I have similar benefits right now. drray23 Jun 2019 #152

What Yavin4 said above - to say "I never paid a penny" is a bizarre lie ProfessorPlum Jun 2019 #32

See post above you.. Peacetrain Jun 2019 #33

so, they never told you what you were paying for it ProfessorPlum Jun 2019 #43

You're absolutely right. Regular Medicare pushes people to buy supplemental ins. YOHABLO Jun 2019 #34

My (Govt) retirement has free health insurance for me and my spouse... brooklynite Jun 2019 #36

Medicaid for all would be ideal. Turin_C3PO Jun 2019 #42

Right. Medicare for all would have to entirely revamp the Kahuna7 Jun 2019 #49

Exactly so... comradebillyboy Jun 2019 #96

it is free in the sense that the Part B premiums are paid by others and not by you Kaleva Jun 2019 #55

I pay about $266 for Part B + Medigap Plan G + Part D drug plan combined. My ACA was $958... Honeycombe8 Jun 2019 #57

so (given a 6000 dollar annual deductible) you had to pay $17,500 or so per year?? Celerity Jun 2019 #93

Yes, the premiums were about $12k a year the last couple of years. Honeycombe8 Jun 2019 #118

thanks so much for the reply Celerity Jun 2019 #123

Medicare is expensive because it covers an older group of people The Velveteen Ocelot Jun 2019 #59

Somewhat less expensive, yes. A lot less expensive, questionable because we are adding in a lot Hoyt Jun 2019 #70

Exactly. Expanding the risk pool lowers the cost per person TexasBushwhacker Jun 2019 #74

Your monthly premiums don't have to cost that much. sabrams Jun 2019 #63

Here is a link to an explanation on how it works.... KSNY Jun 2019 #64

Excellent. I have been posting about this for a while now. tymorial Jun 2019 #68

I pay nothing for Medicare left-of-center2012 Jun 2019 #69

Pure bunk moniss Jun 2019 #71

really good post -but can you add some line returns? - n/t Locrian Jun 2019 #83

thanks moniss Jun 2019 #114

I would add Hamlette Jun 2019 #115

I like Medicare for America but NOT single payer Indygram Jun 2019 #75

Right on the mark, Peacetrain peggysue2 Jun 2019 #78

Medicare pay not be free, but it's sure cheap calguy Jun 2019 #80

You are forgetting about the Medicare tax you and your employer paid for decades, and taxes paid by Hoyt Jun 2019 #81

I'm not forgetting that calguy Jun 2019 #134

Paying $302/month for Medicare JGug1 Jun 2019 #82

Never mind Peacetrain Jun 2019 #85

I really like what I have, but would like everyone to be covered. For that, I won't complain about emmaverybo Jun 2019 #87

Yes it is expensive.. I have the advantage plan and it all runs me about $500 a month LiberalArkie Jun 2019 #88

Medicare for all . . . people Jun 2019 #89

There are options to the standard Medicare supplement. MineralMan Jun 2019 #90

It is good re-evalute yearly.. and then some of us have to go to Peacetrain Jun 2019 #95

Got it. MineralMan Jun 2019 #105

I find it confusing.. so you know many also do.. Peacetrain Jun 2019 #110

I wish some of the... Mike Nelson Jun 2019 #92

I do not understand how it actually works Doreen Jun 2019 #97

I disagree seta1950 Jun 2019 #99

Medicare and the supplemental are better than any employer insurance I ever had Bradshaw3 Jun 2019 #103

sorry but i have been on Medicare for 11 years chillfactor Jun 2019 #107

You've been pretty fortunate. i pay more that thru my employer's insurance. Kurt V. Jun 2019 #111

Eighteen months until I'm 65 and I can't wait for Medicare! OMGWTF Jun 2019 #112

I am not saying Medicare is not good.. its very good.. but it only Peacetrain Jun 2019 #117

I went on Medicare in January, Staph Jun 2019 #116

I did a quick add of our expenses on Medicare Peacetrain Jun 2019 #119

I dropped my Supplemental as I didn't need that much coverage. lark Jun 2019 #124

"Medicare for all" works if its spending doubles. MadDAsHell Jun 2019 #125

Your employer was paying for that insurance. greymattermom Jun 2019 #127

I agree I pay $135.50 for Medicare and $125 doc03 Jun 2019 #128

These flaws were designed into the program. guillaumeb Jun 2019 #131

I would gladly pay 500+/month to buy into Medicare and at an earlier age Freethinker65 Jun 2019 #132

You're right. Medicare needs to be much better. shanny Jun 2019 #135

we need... myohmy2 Jun 2019 #142

This story has been making the rounds, RazBerryBeret Jun 2019 #151

Didn't you have deductions from your paycheck while working for healthcare? brush Jun 2019 #153

I pay more than 3x that for insurance through my work currently. TCJ70 Jun 2019 #155

But don't forget, we ALREADY paid for Medicare for decades, Hortensis Jun 2019 #163

Are you saying you pay a total of $437.50 for Part B and a supplemental plan? SMC22307 Jun 2019 #164

Please take a look at the proposals for Medicare for All and PNHP's FAQ area51 Jun 2019 #166