A very short blog post

I have privately purchased insurance, costing me about $170 a month. I got a check-up in December. It will cost me $785 out of pocket. Worse, because the check up was in December, the $785 won't even count towards my deductible, because the deductible resets on Jan 1. I am healthy and single, make about 40k a year, and affording medical care is a challenge for me.

Comments

Cancel your insurance

And go to the ER if you have trouble. Let the rest of us pay for whatever care you need. That's the Tea Party way.

You're not praying to the Invisible Hand hard enough

Have more faith in the free market!

If after even more earnest belief in a failed system, you die or go to the modern day poorhouse jail, well...it was just destined to be that way.

 

???

Single, making $40K, and you can't swing $170 bucks a month. You must have some very BAD HABITS!

Don't be dense

He didn't say he couldn't handle $170/month for a given item.

It's the total cost of care that's the problem.

Someone making $40k/year takes home roughly $2500 per month depending on deductions/etc.

For this young, healthy person, one regular checkup cost him 30% of his monthly take-home pay.

This excludes his cost for the premium ($170).

It's absurd that health care could cost this much.

 

Thanks, User

I was about to say something along the lines of, "Jesus, it's only one paragraph to read. How could you overlook the part about an extra $785 out-of-pocket?"

Health insurance that doesn't cover most of your costs is not health insurance, it's a rip-off.

"It's absurd that health care

"It's absurd that health care could cost this much."

Ok, how much should it cost?

Doesn't everything have an "up-front" cost?
Life insurance does.
Buying a car does.
Buying a house does.
Getting an education does also.
Hire a lawyer or an accountant, they will want something "up-front"
Heck, even getting married has an "up-front" cost.

.

Read more: http://www.bluenc.com/comment/reply/24430/139806#ixzz1EcqTDlLQ

You can logically infer

...that I believe a checkup should cost less than 30% of someone's monthly take-home pay.

Beyond that, comparing health care to life insurance or a car is also absurd.

But your framing doesn't even hold up in the health care field.

As James suggested above, there would be no up-front cost at the ER.

As for the idea of "up-front costs" -- plastering a menu of procedures with prices at the front door only limits those seeking health care. It does nothing to provide health care to those who can't already afford it.

That may be an acceptable culling-of-the-herd solution in your worldview, but it is not in mine.

 

"Beyond that, comparing

"Beyond that, comparing health care to life insurance or a car is also absurd"

Absurd how? Cause you say so?

"As James suggested above, there would be no up-front cost at the ER"

Duh, isn't that the mentality that got us where we are today?

Your "Culling-of-the-herd" coment.
HA! Now there is a place where "absurd" is appropriate.

Welcome to the real world Jerimee.

If you paid in December it will count towards your 2010 potential medical deduction... which will apply if the total amount is over 7.5% of your AGI. Second...you probably got nicked so badly because you hadn't met your "deductible." You'll learn how to play the game...and timing is part of the game.

And just to add some excitement to your day...wait until you're older and they want $1000+ a month....or you need some expensive drugs your policy doesn't cover.

Dental Insurance? Well, a root canal is minimum $750 and a crown is about $1000. If you need an implant, count on about, oh, $3000. Oh, by the way, if you're a federal employee you can get a nice dental plan for about $50/month (you and spouse) and you'll pay about 50% of a negotiated rate. Nice, huh?

Stan Bozarth

exactly

Two good points:

1) If I had been more strategic in the timing of my health care I could have done a much better job of maximizing my health insurance benefit. I should have waited until Jan to receive care.

It is a shame that one has to play games and delay care in order to make health care more affordable, but that is in fact the case.

2) My situation is the best possible case. The costs double if I had been irresponsible enough to be born female. What if I was born with a disability? What if was working two jobs and raising kids and didn't have the leisure to call my care provider 3 times and the health insurance company 4 times?

Conservatives ought to take enough pride in their nation to work to ensure that our health care access and affordability can compete with that of developing economies. America cannot be well if her people are sick.

universal health care is the answer

Germany has Europe's oldest universal health care system. I grew up there and was the recipient of the dreaded socialist, universal, government-run health care insurance system there. Oh, the horror! If I needed to go to the doctor or dentist (these radicals thought that your teeth were part of your body, can you believe it), I took a form signed by my father and went to any doctor or dentist in town. I had to pay an outrageous "processing fee" of roughly 50 cents, and that was that. My parents never saw a bill. Payroll deductions took care of premium payments and were adjusted towards income. The state paid the premiums for low income folks. It has changed since to allow for more funding choices, but the basic structure is still in place.

When my father had his hip replaced, his insurance plan sent him to a spa in the mountains for rehab where he received extensive physical therapy, nutritional counseling, and relaxation and pain management therapy -- drugs are reserved for unmanageable pain. My mother's travel expenses were partially refunded as family visits were part of the therapy.

Oh, and long-term care insurance is mandatory in Germany, with the employee paying annually 2% of his/her yearly income through payroll deductions and the employer matching. The government picks up the rest.

All this, and Germans still pay less for health care: 10.7% of their GDP compared to the 16% the US pays.

It has changed somewhat in the past ten years. Average hospital stays have been reduced from 14 days to 9 days, and co-payments have been introduced to help offset rising costs.

Resistance is Fertile

Darn socialist libruls...

How dare they provide medical and dental care to ordinary folks.

Think of all those insurance premium profits and exorbitant CEO salaries gone down the drain. Oh, the misery of it all.

Stan Bozarth