Does the care provide full coverage for any treatment, including surgeries and dental work?
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Replying to @MarsDorian
Oh, I see. The initial premium just gets you into having a plan. Before they pay you need to meet a deductible, usually around $3,000-4,000 per person, then the plan covers a percent of future expenses usually around 70% of expenses while you pay 30%. The deductible resets yearly
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Replying to @TheBrometheus @MarsDorian
Some plans are better than this but that model has become pretty standard since the affordable care act went into effect. You pay the monthly fee plus the entire deductible before they help and then they pay a portion until you meet an even higher bracket.
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Replying to @TheBrometheus @MarsDorian
So my wife and I had our baby. $3,000 was charged to the mother and $3,000 to the baby to target both deductibles. Those were split between clinic and doctor so we make multiple payments to separate accounts. We also pay 30% of everything that went over those 2 plus all checkups.
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Replying to @TheBrometheus @MarsDorian
And because babies need checkups and our toddler gets sick sometimes we keep adding $200-400 to the bill every month so we’re paying $900 a month in back bills plus $200-400 additional for ongoing expenses.
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Replying to @TheBrometheus @MarsDorian
Plus they lock your account if you owe over a certain amount even if you’re making payments. So if I get sick I can’t really afford to go get checked out or it locks our whole family down with no treatment.
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Replying to @TheBrometheus @MarsDorian
Unfortunately this is the price I pay for working my family up out of poverty. If we’d stayed in poverty and not worked so hard then the taxpayers would cover all of our bills and we’d have no payments and no monthly fees.
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Replying to @TheBrometheus @MarsDorian
After medical expenses and monthly insurance premiums we’re probably back in poverty, to be honest.
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Replying to @TheBrometheus @MarsDorian
It wasn’t quite this bad before the affordable care act. That removed a lot of plans with cheaper premiums and lower deductibles. My insurance used to be great. Now employers look for the worst they can provide to lower their costs and if your work offers insurance you’re screwed
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Replying to @TheBrometheus @MarsDorian
The market actually punishes you with higher costs for looking for insurance if your work offers a plan.
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My parents are paying about $2,000 a month for the two of them and my dad’s heart attack cost about $10,000 after insurance agreed to pay their portion.
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