Re: Individual Health Insurance Rates/Plans

 Thanks, I couldn't find $5k dedxbl before,
which is what I wanted.
I only found $2k and $25k.



                    - = -
 Vasos Panagiotopoulos, Columbia'81+, Reagan, Mozart, Pindus, BioStrategist
            http://www.panix.com/~vjp2/vasos.htm
  ---{Nothing herein constitutes advice.  Everything fully disclaimed.}---
   [Homeland Security means private firearms not lazy obstructive guards]
 [Urb sprawl confounds terror] [Phooey on GUI: Windows for subprime Bimbos]

 
(snipped)


Maybe you're fortunate, healthy through and through.  Or maybe you're like
me.  I didn't see a doctor for pushing a couple of decades, felt fine.  One
day, walking from the commuter train to the office I felt chest pains, two
days later I woke up in a hospital room after having a triple bypass.  It
cost only $60,000 a dozen years ago, probably would be more today.
Fortunately, I did have health insurance, and I didn't pay a thing for the
hospital stay, operation, rehab, etc.  I don't know if seeing a doctor
periodically would have prevented the need for a bypass.  I do know that,
given the need, insurance makes a whale of a difference.

I still have follow-up visits every six months, the bill for each is around
$1,200, and I don't pay for them either.  Annual medication comes to around
$10,000/year, and the insurance pays that as well.  I do have to pay
co-pays, it comes to a few hundred bucks a year.

I woke up one night with discomfort in my lower back.  Over the course of
the next hour or two, it became excruciating pain.  An ambulance ride to the
emergency room, a doctor, a cat scan, I had a kidney stone.  59 years old,
not a hint of such a thing in my medical history, or in the history of my
extended family.  A day in the emergency room, lots of pain killing drugs,
and it passed - smaller than a grain of table salt.  Bill came to several
thousand bucks - covered by insurance.  It's happed two more times, the last
time I spent three days in the hospital, had to have a "procedure" (that's
what they call it) to get the stone out.  Have you priced a day in a
hospital lately?  Me neither, but insurance covered it all.  And now I see
an urologist every six months because I don't want to go through that again.
Guess who pays for those visits?  The insurance, not me.

My granddaughter was having "stomach aches", it turned out she needed her
gall bladder removed (at sixteen).  This year, she had an ovarian cyst (at
eighteen).

Don't see a doctor if you don't want.  But life can turn on a dime.  You
might be healthy, but maybe not, you can be injured through no fault of your
own, things just go wrong unexpectedly.  You're playing Russian roulette.

 Try having a condition such a ulcerative colitis and
getting your own health insurance!

Impossible in this country

 A private party at Individual.net wrote:


I think it depends on the state.  I have read that 32 states have some
form of high risk pool, which means 18 states don't have them.  Does
your state have a high risk pool?

 

HAHAHAHAHA!

Just because a state has a "high risk" pool does NOT
mean you will be able to afford it!!!

Get sick and you will see what I mean