There are good plans out there, but most companies won’t offer them, and they’re expensive. I pay $1k a month for my SO to be on mine, but the $250 deductible and $1500 OOP max is pretty nice.
That’s not a good deal. A good deal would be you pay for insurance and have no deductible or fees to worry about. Insurance is insanely expensive and it just acts like a horrible discount program once you finally need it. It’s a scam
I pay copays. I’ve never paid coinsurance or really know what my deductible is. I think I have one? Not actually sure. I don’t recall what adding a spouse is, but it’s insanely lower than your 1k. I think a full family plan is less than 400/mo. Might be more now.
Well no shit. Have you seen these insurance policies?
It’s like this: anybody who thinks they like their insurance policy isn’t using it.
Edit: ITT: people describing the problem as if it’s not the problem.
There are good plans out there, but most companies won’t offer them, and they’re expensive. I pay $1k a month for my SO to be on mine, but the $250 deductible and $1500 OOP max is pretty nice.
That’s not a good deal. A good deal would be you pay for insurance and have no deductible or fees to worry about. Insurance is insanely expensive and it just acts like a horrible discount program once you finally need it. It’s a scam
Unfortunately in our current system, that is a good deal and platinum level insurance. Even working for a hospital that’s the best you tend to get.
Yes, we need single payer, though.
Lowering the bar doesn’t make it a good deal. It’s just better than garbage.
I pay copays. I’ve never paid coinsurance or really know what my deductible is. I think I have one? Not actually sure. I don’t recall what adding a spouse is, but it’s insanely lower than your 1k. I think a full family plan is less than 400/mo. Might be more now.
I get 10k infusions every two months for $15.
Or they just have a really expensive policy.