keesan
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response 474 of 475:
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Apr 24 22:22 UTC 2009 |
We got the forms for American Community Mutual Insurance and they now have
higher deductibles, up to $7500 after which you pay 40% of up to $20,000 for
$15,500 out of pocket. A $5000 plus 40% ($13000) policy is only $190/month
and pays for nothing at all until it hits $5000, except for accidents if you
get treated within 30 days. (Maybe they figure this is cheaper in the long
run for them). I am not eligible because I have a preexisting condition.
We had a long list of conditions to check off or not for Jim - he has not
had any miscarriages, or embolisms, but he did injure his knee and was tested
for Lyme Disease. You only need to list conditions within the past 10 years
so when I am 63 I can get cheaper health insurance again for a year and a half
before Medicare.
How do sick people come up with $7200/year for BCBS insurance while also
paying their medical bills (the deductible)?
Until April 1 BCBS had a $190/month policy for anyone of any age and medical
condition (but would not pay for preexisting conditions for 6 months). I
should have researched this sooner.
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denise
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response 475 of 475:
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Apr 29 00:24 UTC 2009 |
Good luck on finding something that works for you, Sindi.
Since I've been on disability for several years, I qualify for Medicare.
Along with the basic medicare, I have a supplemental policy through Blue
Cross which reduces my overall cost for appointments and for medication.
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