Medical Insurance deductible - what's the average in our trade?

[Smit]

At this point no way to tell. All I can do is go from my personal experience. Before the government got involved here it was much more affordable. Whether that would have continued IDK. 

Well, the ACA was an attempt to provide people without health care with insurance.

The costs of health care have been skyrocketing for decades, long before the ACA was passed.

But I will say I don't mind spending money on our health. Is it expensive? Yeah kinda. But look at what people spend for cell phones, cars, vacations etc.. etc... No problem spending thousands to tens of thousands on irrelevant things. Having been sick probably 50 percent of the time for the last 3+ years I'll tell you feeling good beats the hell out of a cruise or trip to Disney World.

I've no doubt about that. Nothing's fun when you're feeling crappy all the time.

[CNCAppsJames]

But you did your own research and made a decision based on that research instead of doing what .gov told you... so, you're fringe.

 

j/k Ron. 😁

[YoDoug]

instead of marching on DC with pitchforks and torches demanding heads on a stick.

I'm in, but I'm a little short on gas money, can you pick me up on your way to DC.

[BrianP.]

I've no doubt about that. Nothing's fun when you're feeling crappy all the time.

Got that right Larry. Been out 4 days this week. Today I feel good but still took it off. Every once in a while I stretch time off to an extra day when I start feeling better. I call it feeling like a normal person. We are adjusting some meds and trying to figure out why I get nauseous and exhausted. The nausea is the worst. You just want to curl up and hide from the world.

[thad]

~140/wk for an HMO. No dental, no vision. Deductibles are 2500 person/5000 family. Pretty sure it's 80/20 after that (don't have it in front of me). Max out of pocket is $7350/14,700.

[HTM01]

Got that right Larry. Been out 4 days this week. Today I feel good but still took it off. Every once in a while I stretch time off to an extra day when I start feeling better. I call it feeling like a normal person. We are adjusting some meds and trying to figure out why I get nauseous and exhausted. The nausea is the worst. You just want to curl up and hide from the world.

i had nausea so bad i couldn't stand up
started mild and just kept getting worse
finally one day i couldn't even get out of bed
turned out i was having a reaction to Humira (for Crohns), allergic to it

[BrianP.]

i had nausea so bad i couldn't stand up
started mild and just kept getting worse
finally one day i couldn't even get out of bed
turned out i was having a reaction to Humira (for Crohns), allergic to it

Was down to 5mgs on Prednisone. We tested my adrenal glands and they are under performing. ( Shut up yous guy's 😛). Went back up to 10mgs and I was fine for a few days then down and out again. We just adjusted my Rinvoq down to 15 mgs from the 30mgs. Only doses they have. Fingers crossed because it's worked as far as getting me in remission.

[HTM01]

Was down to 5mgs on Prednisone. We tested my adrenal glands and they are under performing. ( Shut up yous guy's 😛). Went back up to 10mgs and I was fine for a few days then down and out again. We just adjusted my Rinvoq down to 15 mgs from the 30mgs. Only doses they have. Fingers crossed because it's worked as far as getting me in remission.

Humira was working too but made me so sick
now on Avsola was on Remicade but new insurance won't cover it
been in remission for about 14-15 years

[neurosis]

Well, insurance plan just changed again. In the middle of the year. lol.

I'd already met my deductible and now, half way through the year, my deductible doubled (and thats with upgraded insurance out of pocket) meaning my deductible is no longer met, and my max out of pocket went up about 20%, which was already $8000. 

At this point my insurance is just flat useless unless something catastrophic happens. 

Welcome to the best healthcare in the world? 

[RobertELee]

Well, insurance plan just changed again. In the middle of the year. lol.

I'd already met my deductible and now, half way through the year, my deductible doubled (and thats with upgraded insurance out of pocket) meaning my deductible is no longer met, and my max out of pocket went up about 20%, which was already $8000. 

At this point my insurance is just flat useless unless something catastrophic happens. 

Welcome to the best healthcare in the world?

Sounds like your employer is doin' ya dirty.

[gcode]

My employer went self insured a couple of years ago.
It's actually decent insurance, but no one will accept it.
I am seriously thinking about dropping it and going the Medicare route
with an add on supplemental.

[Del.]

My employer went self insured a couple of years ago.
It's actually decent insurance, but no one will accept it.
I am seriously thinking about dropping it and going the Medicare route
with an add on supplemental.

If you don't plan on getting an Advantage plan then get Plan G on your supplemental. It's the best you can get. Check several companies as the cost varies but the Plans are the same.

[neurosis]

Gradually....balls in a vice...."You vill own nutting and vill be happy"....

I don't see how this is going to be sustainable. Unless you're wealthy, anyone with any kind of chronic illness can't possibly afford $10,000 out of pocket every year for medical expenses. And it's only going to get worse from here.

[gcode]

If you don't plan on getting an Advantage plan then get Plan G on your supplemental. It's the best you can get. Check several companies as the cost varies but the Plans are the same.

I've lived a blessed life. I've been healthy my whole life, never been seriously injured
and have none of the back, knee, or hip problems that plague many people.
I know absolutely nothing about health insurance, Medicare, or any of this stuff.
I guess it's time to start learning.

[gcode]

I don't see how this is going to be sustainable.

It's not..
One of the reasons insurance costs are so high is that people who could normally afford health insurance
are now paying for millions who can't or won't pay for health insurance.