Here is what we all need. A side by side comparison of the two medical plans. Take a look .... what works for you?
Almost a year ago I canceled my medical insurance. I could no longer afford it. The premiums kept going up, even though their only expense on me for six years was (1) an annual physical (2) semiannual blood work to monitor medications for arthritis and fibromyalgia (3) three office visits (in SIX years!!!) for other illnesses or injuries and (4) a generic medication that costs less than $25 per month,if I were buying it outright, and I paid a $10 co pay, leaving them less that $15 per month (all pharmacies have arrangements with medical plans to give them discounts on drugs their insureds use.). I had two preexisting conditions what were excluded, including medication to keep them at bay. Fortunately my doctor in KC found me enough samples to get me through. I had no, zero, zip zilch, nada treatment for either except the medications, so the insurance company wouldn't have been at risk for surgery or other procedure. Knowing approximately what they paid out on me, it was less than (actually way less) $2500 per year times 6 years = $15,000. Wanna guess what my premiums added up to over those six years? Over ..... sit down ..... over $36,000!!!!
Right now I have medical issues that need attention. I know I'm anemic. I'm addressing it with diet and iron tablets, but it should be addressed. I'm suspicious that I may have an ulcer. That certainly needs attention. I'm treating it with diet and OTC meds. I'm overdue for a mamogram. I have found a local clinic that does them for a greatly reduced fee or free, and I'll get that scheduled within a few days. In April, I will be covered by Medicare, and I'm hoping that my body will hold out till then.
If we could roll back the economy, say, two years, I could afford the insurance. Or I could afford to pay for the medical care out of pocket. No longer.
All this to say .... NO ONE should have to live like this, without coverage, on limited income, and unable to get medical attention, yet 47 millions americans are in the same boat as I am. FORTY-SEVEN-MILLION people fall through the crack!! 47,000,000! How can that be?
OK, my rant is done.
Come back when I've settled down, OK?