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Medical Insurance Deductible


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#1 SunNsand

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Posted 26 July 2013 - 08:59 PM

Our deductible jumps up to $10,000. starting August 1. January of this year it was $6,000. and that was pushing us to the limit. $10,000. just makes me sick for a number of reasons. Does anyone else have that high of a deductible? It is through a group plan under my husbands employer. This isn't even high risk insurance. Everyone where my husband works is getting the same plan, no other options unless we shop for a plan on our own. Does anyone know when the President is rolling out the new healthcare plans?



#2 Lizzybee

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Posted 27 July 2013 - 02:54 PM

Mine is going from $4,000 to $7,000 on August 1.  I saved money in my HSA based on last year's deductible, so that's an extra $3k we have to come up with in August.  My share of the premium (for family coverage) is dropping by $200/month but that doesn't help in August. 

The federal health insurance exchanges started a while ago (some kind of high-risk pool for people with pre-existing conditions), but the people I know of who looked into it couldn't afford the premiums.  I have one friend whose husband desperately needs a liver transplant, but he can't get on the list without insurance, and she can't afford the premiums. It's a sad state of affairs.



#3 SUE

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Posted 27 July 2013 - 05:32 PM

The Affordable Care Act insurance exchanges don't go into effect until 2014, but people can sign up for them starting Oct 1, 2013.    This site can give you more information:  https://www.healthcare.gov/

Sue


Dx  April 2013, FISH 62,  BMB not enough for PCR test; put on Gleevec 400;

 August 2013, FISH 8.7;

Oct 2013, FISH 5.6

Stopped Gleevec Nov 2013 for 6 weeks due to terrible side effects; Jan 2014 started Sprycel 50mg;

Feb, 2014 PCR  6.8

May,2014  PCR   .149

Aug, 2014 PCR    .015

Nov. 2014 PCRU

March, 2016  went down to 40mg Sprycel

Oct. 2016   stopped Sprycel for a couple weeks due to concern about shortness of breath.  Echo showed mild PAH.

Nov 1 2016  resumed Sprycel 20 mg daily 

Dec 2016  PCRU

March 2017  PCR 0.020

May 2017     PCRU

Sept  2017   PCRU

Dec    2017  PCRU

 


#4 Lizzybee

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Posted 27 July 2013 - 06:22 PM

The Baltimore Sun posted an article today saying that people who buy insurance through the MD exchange will have their rates go up by as much as 25%!



#5 SUE

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Posted 27 July 2013 - 08:32 PM

I don't think anyone really knows for sure yet how people's rates will be affected.  I believe that programs are being set up to provide people with objective  information so that they can make the best decision possible.   I would urge everyone to get as much information as they can.  The insurance companies can no longer reject people who have pre-existing conditions, so it might be worthwhile to change insurance plans.  Or, it might not be.  I think everyone's situation will be different.  But it's really important, especially for those of us who have a serious chronic disease like cml, to learn as much as we can about what's available.


Dx  April 2013, FISH 62,  BMB not enough for PCR test; put on Gleevec 400;

 August 2013, FISH 8.7;

Oct 2013, FISH 5.6

Stopped Gleevec Nov 2013 for 6 weeks due to terrible side effects; Jan 2014 started Sprycel 50mg;

Feb, 2014 PCR  6.8

May,2014  PCR   .149

Aug, 2014 PCR    .015

Nov. 2014 PCRU

March, 2016  went down to 40mg Sprycel

Oct. 2016   stopped Sprycel for a couple weeks due to concern about shortness of breath.  Echo showed mild PAH.

Nov 1 2016  resumed Sprycel 20 mg daily 

Dec 2016  PCRU

March 2017  PCR 0.020

May 2017     PCRU

Sept  2017   PCRU

Dec    2017  PCRU

 


#6 Susan61

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Posted 28 July 2013 - 05:11 PM

Hi :  Insurance is such a problem.  My husband and I have insurance through his employer.  We have a $500.00 deductible each, and we have both met our deductible now for 2013.  Our situation might change, as I am on Soc. Sec, but do not pay into Medicare because  I have been insured under Gary's plan.  Now he is sick, but not old enough yet to get Medicare.  He is just applying for his Soc.Sec early at 62 because we have no choice financially.  Right now we are paying for benefits out of pocket with the hopes he can work Part-Time along with his Soc Sec if they say he can go back to work.  Everybody's situation is different, but these insurances can really be confusing and make you crazy.

    I have to learn more about how insurance works, along with this new O'Bama Plan coming into effect.



#7 SunNsand

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Posted 29 July 2013 - 04:15 PM

  These next few years are certainly going to be interesting to say the least.  Thanks for the link Sue and I agree that everyone needs to get as much information as they can. Nothing is off the table for us. Even though insurance companies cannot reject anyone with pre-existing conditions, they can make it unaffordable, which is what my husbands employer did. They first told the employees they were no longer going to get health insurance coverage, then at the last minute Blue Cross called and offered them the $10,000. deductible plan with monthly rates same as before. I'm really curious what the new Affordable Health Plans will look like. Are they for anyone, or only for people whose employer doesn't offer health insurance?



#8 chriskuo

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Posted 29 July 2013 - 04:24 PM

Employer plans will have to meet certain standards under Obamacare

but it is not yet clear the minimum that they will be able to get away with.

The fines on employers have been delayed a year to 2015.



#9 SunNsand

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Posted 29 July 2013 - 04:30 PM

Ah, interesting, thanks chriskuo!

Is that for businesses that employee over 100 employees?



#10 hannibellemo

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Posted 30 July 2013 - 02:38 PM

Hi, SunNsand,

A $10,000 deductible is not a health care plan it is a catastophic insurance policy! That's ridiculous, you used to be able to buy plans like that for $50/month and they would kick in if you had an accident or major surgery. What is your out-of-pocket amount? Do you have an Rx plan?

My deductible is $500 and $1,000 out of pocket (for now, who knows what the future will bring) and my husband's is $1,000 deductible and $3,000 out of pocket - I thought that was ridiculous.

Pat


Pat

 

"You can't change the direction of the wind but you can adjust your sails."

DX 12/08; Gleevec 400mg; liver toxicity; Sprycel 100mg.; CCyR 4/10; MMR 8/10; Pleural Effusion 2/12; Sprycel 50mg. Maintaining MMR; 2/15 PCRU; 8/16 drifting in and out of undetected like a wave meeting the shore. Retired 12/23/2016! 18 months of PCRU, most recent at Mayo on 7/25/17 was negative at their new sensitivity reporting of 0.003.<p>


#11 starlago

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Posted 30 July 2013 - 05:08 PM

You have company.  I am self insured through BCBS.  Premiums have been running $3200/year.  My deductible is $5000 with an additional $3000 out of pocket.  My RX coverage is capped at $1500/year.

I do not understand Obamacare enough to know whether it will make a difference for me or not.

It's enough to make you sick   !!



#12 SunNsand

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Posted 12 August 2013 - 01:10 PM

My husbands employer offers a Blue Cross Anthem HSA which is what we have. We pay everything out of pocket until $10,000. has been spent then they start covering medical expenses. We just learned next year his employer will not be offering any insurance plans.There are less than 50 employees and they want the employees to find their own insurance. He's worked for this company for 18 yrs.



#13 Susan61

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Posted 12 August 2013 - 01:53 PM

I am reading all these posts, and its just getting worse and worse for everyone.  I do not understand the Obamacare either.  Most of us cannot pay these high insurance fees, and still keep our homes etc.  I wish everyone the best as the new year approaches and new deductibles need to be met as we try to maintain our healthcare.

I do not know how you are doing this with rates like that, but I hope we all get to figure out the best way to go.

It does make you sick!!



#14 chriskuo

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Posted 12 August 2013 - 02:49 PM

The plans on the health insurance exchange should provide better coverage at a reasonable price.



#15 hannibellemo

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Posted 12 August 2013 - 09:55 PM

Hi, Susan,

We can thank George Bush for SunNsands HSA (Health Savings Account). He signed that bill in 2008. Wikipedia has a very interesting article on them. I agree with chriskuo, SunNsand can get a better policy on the exchange.

This reminds me of the Chinese curse, "May you live in interesting times"!

Pat


Pat

 

"You can't change the direction of the wind but you can adjust your sails."

DX 12/08; Gleevec 400mg; liver toxicity; Sprycel 100mg.; CCyR 4/10; MMR 8/10; Pleural Effusion 2/12; Sprycel 50mg. Maintaining MMR; 2/15 PCRU; 8/16 drifting in and out of undetected like a wave meeting the shore. Retired 12/23/2016! 18 months of PCRU, most recent at Mayo on 7/25/17 was negative at their new sensitivity reporting of 0.003.<p>





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