Most of you know that I'm against national healthcare, however I do believe that costs in the medical field are rather obscene and something should be done to change it.
Somewhat long story as to why I started this thread because I think it's a good example. I'm employed with the option of company healthcare, but becuase I'm still a full time student under 23 years of age I opted to pay to go under my moms policy, who works for a hospital. Under this policy, I pay $70 a month (dental and optical included).
Well, I will probably be needing rotator cuff surgery soon. I just looked into the insurance coverage plan and average cost of the entire procedure. $250 deductible and I pay 15% of all costs under the best plan they have available. I forget the name, PHCS something, there's 2 policies and I'm under the "premier" one is what the lady said.
Average cost of rotator cuff surgery, drugs, therapy is $12,400 all said and done.
So, my costs would total up to just under $2100 for an average surgery, I haven't gotten my individual pricing setup yet, haven't even had an MRI but there's virtually no doubt that it's pretty badly torn.
For those that are insured, what medical costs have you incurred for previous hospital/doctor experiences? Do you really think that it's realistic to charge what they do for medical service? Is covering 85% of medical bills really enough, considering it's supposedly and excellent insurance plan and not easy to get?
In my opinion, it isn't. Surely the greed of hospitals, pharmaceutical companies, insurance companies, and everyone else involved in the process has inflated costs and lowered coverage.
I can honestly say I can't think of a way to fix the healthcare problems in the U.S., all I know is that the government sure as hell can't.
Wondering what your thoughts are.
GO!
Somewhat long story as to why I started this thread because I think it's a good example. I'm employed with the option of company healthcare, but becuase I'm still a full time student under 23 years of age I opted to pay to go under my moms policy, who works for a hospital. Under this policy, I pay $70 a month (dental and optical included).
Well, I will probably be needing rotator cuff surgery soon. I just looked into the insurance coverage plan and average cost of the entire procedure. $250 deductible and I pay 15% of all costs under the best plan they have available. I forget the name, PHCS something, there's 2 policies and I'm under the "premier" one is what the lady said.
Average cost of rotator cuff surgery, drugs, therapy is $12,400 all said and done.
So, my costs would total up to just under $2100 for an average surgery, I haven't gotten my individual pricing setup yet, haven't even had an MRI but there's virtually no doubt that it's pretty badly torn.
For those that are insured, what medical costs have you incurred for previous hospital/doctor experiences? Do you really think that it's realistic to charge what they do for medical service? Is covering 85% of medical bills really enough, considering it's supposedly and excellent insurance plan and not easy to get?
In my opinion, it isn't. Surely the greed of hospitals, pharmaceutical companies, insurance companies, and everyone else involved in the process has inflated costs and lowered coverage.
I can honestly say I can't think of a way to fix the healthcare problems in the U.S., all I know is that the government sure as hell can't.
Wondering what your thoughts are.
GO!