rberq wrote:jpete wrote:Being that my employer medical is priced so I can't afford to have my wife on my coverage, I decided to see what Barry had to offer.
I put all my kids on state Medicare for $0. Then I pay $140/month to cover me and my wife. That buys me a $5800/per person deductible. So the total amount is $13,300 before insurance pays a penny.
You make the call.....
So did you make the call and stay with your employer’s insurance?
For $140/month you can cover yourself, plus “all” your kids, plus your wife who otherwise would be uninsured? And you are complaining? Many people pay more than that for cable TV plus a couple of cell phones, which are arguably less important than medical care. For comparison, my wife still has private coverage through my previous employer, at over $500 a month for her alone, and her deductible is $4500. Your total amount of $13,300 takes effect only if both you and your wife have substantial expenses in the same year. Yes, it’s a scary potential expense, but not yet a real one. It sounds to me like you are WAY better off with Obamacare.
My current insurance, which admittedly doesn't cover my wife, has a $1500 deductible. When I cut my thumb back in November, I got $750 into that. It doesn't take much to incur some costs at a hospital.
My wife has been pretty good at paying out of pocket for stuff. Her last physical came with an $800 bill. She called and said she was self pay and they sent out a corrected bill for $180.
And I'm not really thrilled with putting the kids on Medicare for various reasons, one of which is that they are only covered in state. They would have ZERO insurance outside the state so if we went on vacation and they needed medical care, we've got nothing.
I haven't ruled O'care out just yet. I'm in the system so I can still go back if needed but open enrollment at work is this month so I'm going to see what they have to offer first.