Get the cheese out because this is going to be a bit of a whinefest.....
The bill finally arrived for my 4 day
Wanna see it?
Yes, you read that correctly.......$25,688.83 for 3 days in the hospital.
O.
M.
G.
(They charged me for 4 full days even though it was 3 days.....the crooks!)
Fortunately, the amount we actually have to pay is $1,456.58, including a $150 co-pay for the Emergency room, a $1,200 co-insurance maximum per 1 person in the plan(was partially fulfilled before this bill/illness), and a deductible amount of $106.58.
Of course $1,456.58 isn't ALL we will have to pay on this illness/treatment.
This is just the First Bill.......
We pay $5,892.12 every YEAR for the honor of having this particular medical insurance policy plus $4,000 in family deductibles.
If you compile the costs of ALL the insurance--Dental insurance, Vision insurance, Long Term Care insurance and Life insurance, we pay $9,907.56 for medical/life coverage a year.
And that's if no one gets sick and has to use any of this fine coverage!
Add in the $4,000 in deductibles for a grand total of $13,907.56 paid each year(before co-pays).
Wow!!!
I think I'll keep a running tab on my side bar for the rest of the year for our medical costs that we pay out of pocket in 2013.
On second thought, maybe I don't want to SEE the grand total we are paying out. 8-(
And I just remembered that this is a family plan HMO that doesn't increase per number of people in the family....the "family" can be 1 person or we can be the Duggars, we pay the same for however more people than just the person who's name the insurance is in.
The daughter can't use our $13K+ a year insurance plan in Louisiana, except for the prescription drug benefit and ER visits.
We have to buy her a separate policy which will cost us about another $70 a month, for another $420 in insurance costs(before co-pays)for 2013.
This raises our coverage costs at the moment to $14,327.56.
Don't get me wrong.....I appreciate that we have medical insurance!
But this third party payer system is insane!
Let's charge someone a smaller amount if they don't have insurance but if they do, well Nelly bar the door!, let's charge their insurance provider up the wazoo because we know they have deep, deep pockets.
And Obamacare?
Yah, I don't even want to see what 2014's rates will rise to!
Whatever happened to "you can keep the insurance you have now and your rates will not go up", and all that "free medical care"?
Oh I remember.....it's an illusion. It's a lie.
It figures that as soon as I go into menopause someone figures out a scheme to give woman free birth control.
The one freebie Obama has given to the masses and I can't benefit from it......lol
The medical bills from this latest health adventure I am on are starting to come in fast & furiously.
I don't have much hope for socking any money away for my $20K Savings Challenge this month.
And that is a really sad state of affairs since May is a 3 paycheck month for us.
sigh
So what is YOUR medical insurance and all insurances(except property insurances)costing you a year?
You might not want to add it all up.......
Sluggy
