Posted by dhermesc on January 09, 2009 at 07:10:08 from (24.248.193.103):
In Reply to: OT- health insurance posted by Dave from MN on January 09, 2009 at 05:49:25:
I'm on a BCBS plan with over 2000 members. We have a $500 deductible then a 50/50 copay for our next $1200. We also have a 50/50 copay up to $1000 for prescriptions. Maximum out of pocket is $2700 per individual ($5400 for family) if you use both prescriptions and medical care. We usually hit the $2700 on our son every year and sometimes the $5400 for the rest of the family. Plan runs $1,084 a month (family); my cost is $487 a month.
Insurance is expensive until you don't have it.
Three years ago our son was in a nonstop state of emergency - two operations (both brain surgeries) and over a month in two PICUs ran his bill up almost to a cool million. Everything was paid as it should without a single dispute (that we are aware of) and that included two life flights, a couple ambulances and one out of state hospital (Cleveland Clinic).
There comes a point when you wonder if you are fighting the inevitable and we nearly reached it with him. Three years later he's "almost" a normal child (still recovering) with good grades and a distinctive outlook life.
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