So, it's time to renew my health insurance. My company doesn't offer it, so I get it through the exchange. This year I've been paying $640 a month. That's just for me, nobody else is on my policy. I have discomfort in my elbow that hasn't gone away in a couple months and I want to get it looked at. Granted, I haven't been to the doctor all year. I'm pushing my physical until next year. So, after paying them nearly $8000 in premiums, I now have to pay out of pocket to see a "specialist," because specialists aren't covered until I reach my deductible, which is really low considering, $1500. To see the orthopedist, get X-Rays, and most likely a cortisone shot, will cost me $1200 out of pocket.
Rather than getting it looked at now, I pushed it until next year. The plan I chose for next year has a co-pay for orthopedists, $60. The monthly premium for the new plan is $670. For the year it will cost me $400 more, but will save me $800 since specialists are now included. I also am supposed to see a cardiologist every year, guess what, they're specialists. So, next year I'm gonna see EVERYBODY!
This is the biggest racket in the United States, the medical industry. From hospitals, to insurance companies, I'm excluding doctors because I have to believe they are truly for the patient. Sure, they like the money, but I believe they will pit patient over profit if freely allowed to.
When health became a for-profit industry, right around when Clinton was leaving office, that insurance was bangin', $150 and nearly everything covered, the healthcare industry became the scum that it is.
Rather than getting it looked at now, I pushed it until next year. The plan I chose for next year has a co-pay for orthopedists, $60. The monthly premium for the new plan is $670. For the year it will cost me $400 more, but will save me $800 since specialists are now included. I also am supposed to see a cardiologist every year, guess what, they're specialists. So, next year I'm gonna see EVERYBODY!
This is the biggest racket in the United States, the medical industry. From hospitals, to insurance companies, I'm excluding doctors because I have to believe they are truly for the patient. Sure, they like the money, but I believe they will pit patient over profit if freely allowed to.
When health became a for-profit industry, right around when Clinton was leaving office, that insurance was bangin', $150 and nearly everything covered, the healthcare industry became the scum that it is.