Quote:
Originally Posted by dyna mo
You're distorting what I wrote and there has always been a price structure to insurance premiums, just as I pointed out earlier that senior citizens healthcare costs are 6x greater, their premiums don't reflect that whatsoever.
being insulin dependent for ~35 years, and all of the medical issues that brings, I would prolly have saved over that time if I had coverage. My monthly nut for med expenses would make most people nauseous. Hell, test strips are almost $1 each, I test my blood sometimes 10x a day. + syringes, + insulin (I use 3 different types of insulin a day, 1 of them is $275 a vial, I go through 2+ vials of that a month). Then there's the doctors and the required lab work they need/demand.
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Having asthma I had a few options in the past. I could pay a huge premium that was over $1,000 per month and they could cover everything, or I could get a catastrophic policy that covered major things and pay for my asthma stuff on my own. I chose the later. My meds were about $200 a month if I bought them online (about $600 a month if I bought them from a pharmacy in the US) and I saw the doctor 2-3 times per year at about $250 a pop. It was cheaper to do that than pay the crazy premiums.
Now that isn't happening. My catastrophic policy was canceled because I am too old for it, but I was able to buy regular insurance for about $60 per month more that is actually pretty damn good. In the end Obamacare has worked for me. But I can see where it doesn't for others and it still does nothing to lower the overall cost of healthcare.