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Scam - Backwoods Typist

Posted: Jun 15th, 2016 - 2:08 am In Reply to: Health insurance is more than my mortgage. - THAT is messed up!!

Of course its a scam. The whole purpose was for the insurance companies to not have to pay anything until the deductible was met, but yet we have to carry health insurance lest we pay the fee come tax time. Why do you think there is a big fuss to overturn it? It may be that we can pay the premiums every month, but we cannot afford to use it. I am still paying on medical bills from nearly 3 years ago. How is it fair that I got stuck with over $700 for a diagnostic mammo when insurance only paid $115? What's the point of insurance? Co-pays were way better instead of a huge deductible before coverage.

One option you do have is to negotiate with care providers about their services, asking for cash price instead of insurance price. Some even have charity care or write off significant portions of their bills for someone in your situation. Just putting that out. Certainly understand the frustration on the tiny bit we are paid.

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Is anyone else caught between the rock and the hard place - as far as O-care, to pay or not to pay? sm (Views: 1312, 2016-06-13, 5:10 pm)
- I wish I could get a $48/month - plan (Views: 1304, 2016-06-13, 5:41 pm)
  - That is what the total yearly deductible comes out to if I - figure it each month. The basic plan SM (Views: 934, 2016-06-13, 5:59 pm)
    - Your deductible is $6k but does it - apply-to (Views: 939, 2016-06-13, 6:07 pm)
    - I'd rather go without - fastfingers (Views: 1347, 2016-06-13, 6:56 pm)
      - Unfortunately, we dont take the insurance or have any, - we are penalized a huge sum SM (Views: 909, 2016-06-13, 8:16 pm)
        penalty - InTheKnow (Views: 909, 2016-06-14, 8:53 am)
        I dont get what people fail to understand about this whole post - I dont have money for the Un Affordable Care SM (Views: 820, 2016-06-14, 4:01 pm)
        You will have a deductible no matter - jeezlouise (Views: 851, 2016-06-15, 9:34 pm)
        Health insurance is more than my mortgage. - THAT is messed up!! (Views: 1543, 2016-06-14, 3:08 pm)
        Scam - Backwoods Typist
- You don't PAY your deductible - Alana (Views: 1059, 2016-06-13, 6:10 pm)
  - I know that. But if I go to the doctor for anything, THAT is how much - I have to pay for a deductible SM (Views: 1012, 2016-06-13, 6:19 pm)
    - so what is going to happen should you need heart surgery - or something serious (Views: 1273, 2016-06-13, 9:11 pm)
      - Sister, I have thought of every option. I am one of the many - people in this country who are screwed SM (Views: 940, 2016-06-13, 9:14 pm)
        Well I pray that doesnt happen. - no name (Views: 746, 2016-06-13, 9:26 pm)
    - I think you are looking at this wrong... - You are paying 576$ yearly in premiums.. (Views: 964, 2016-06-15, 12:43 pm)
    - one thing you might not have thought of - Insured (Views: 665, 2016-06-22, 7:25 pm)
- 700/month, 8,000 ded times 1 person - in my dreams (Views: 1036, 2016-06-13, 7:05 pm)
- www dot healthcare dot gov - You-might (Views: 1051, 2016-06-13, 8:26 pm)
  - I have exhausted every avenue. I am an IC MT, I make too much - money even after I pay my taxes SM (Views: 1000, 2016-06-13, 9:12 pm)
    - If you have a co-pay at the doctor's office - btdt (Views: 805, 2016-06-14, 8:08 am)
- I mentioned this in an earlier post - sm (Views: 999, 2016-06-14, 6:36 am)
- 40$ A month is super cheap. Go for it. - you never know when something might happen (Views: 985, 2016-06-14, 10:03 pm)
- Going without major medical is like betting in - Las Vegas. (Views: 828, 2016-06-18, 1:55 am)
- I guess out of all these responses, nobody really understood - or read very well to get the point. SM (Views: 800, 2016-06-18, 11:27 am)
  - People get it, but you still don't understand - how deductibles work (Views: 790, 2016-06-18, 8:26 pm)
  - You are the one who doesn't get it. - who cannot afford 48$ a month ... (Views: 765, 2016-06-21, 10:50 am)
    - It's highly likely the OP would not have - pay-towards (Views: 709, 2016-06-21, 3:53 pm)
- What's the problem then? Don't pay - Debra (Views: 839, 2016-06-18, 8:39 pm)
- I'm surprised this thread wasn't moved - to-the-proper-board (Views: 654, 2016-06-21, 3:58 pm)