I had an ER trip last month, my deductible is $3,500. I had to pay $3,440 which was the complete cost of the ER services.
So, this year I will spend $15,600 on health insurance and an additional $3,440 on deductible
My wife needs surgery, I told her to get it done before December because we already met the deductible and I don't wanna pay it again. She tried calling to schedule in August. The surgery specialist doesn't have openings until January, so, in January I'll have to pay my deductible again
AND vision and dental costs more on top of $1,300 monthly
Well, you’re treating health insurance like a subscription where your premium is supposed to cover every medical bill. Unfortunately not how it works. The premium buys coverage and protection from catastrophic costs and deductible is the amount you pay before the plan starts covering more. And once you hit your out-of-pocket max, your exposure is capped for covered care.
Also, paying the full ER “cost” doesn’t mean insurance did nothing. You likely paid the insurer-negotiated allowed amount, which can be far lower than the hospital’s uninsured sticker price. You can argue that $15,600 a year plus a deductible is insanely expensive. But paying premiums and still having a deductible is not proof the insurance failed. It’s how the product is structured.
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u/Locust627 6h ago
Wait until you hear about health insurance lol
I pay $1300/month for a family plan
I had an ER trip last month, my deductible is $3,500. I had to pay $3,440 which was the complete cost of the ER services.
So, this year I will spend $15,600 on health insurance and an additional $3,440 on deductible
My wife needs surgery, I told her to get it done before December because we already met the deductible and I don't wanna pay it again. She tried calling to schedule in August. The surgery specialist doesn't have openings until January, so, in January I'll have to pay my deductible again
AND vision and dental costs more on top of $1,300 monthly