TheOtherMe
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Joined: Dec 24, 2010 14:40:52 GMT -5
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Post by TheOtherMe on Oct 18, 2019 14:54:17 GMT -5
When I see what Medicare pays, I understand why doctors don't want to see patients on Medicare. Same for Medicaid.
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Miss Tequila
Distinguished Associate
Joined: Dec 19, 2010 10:13:45 GMT -5
Posts: 20,602
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Post by Miss Tequila on Oct 18, 2019 19:17:01 GMT -5
We have had a life changing event at our house and health care is a big issue going forward. My DH drove into a train on September 30 and was air ambulanced 150 miles to the major medical center. He was in the hospital for 2 weeks and will be in the rehab hospital for another 2 to 3 weeks. Our health insurance premiums for two individual policies are over $18,000 per year and we purchase coverage on the open market. Fortunately, the hospital he was flown to also owns the health insurance company we have purchased coverage from. I have no idea how much money it costs to be stabilized at one hospital, helicoptered to another hospital, surgery for broken bones, and have follow up care. DH has an individual high deductible policy with a maximum out of pocket of $6750. The only contact I have had from the hospital billing is the preauthorization for hospital stay. DH is going to be OK, but the next few months will be challenging. He has a broken leg, arm and 4 broken ribs as well as a concussion. I will update the numbers as we go along, in the hopes someone else can learn something from this experience. Please everyone, look both ways every time when crossing a railroad track. Not every crossing has lights, the motorist has the responsibility to know the way is clear. On the plus side, my beer bill has gone way down and his credit card bill should be zero next month. I am fortunate that I can stay out of town with friends and family. Adding motel rooms to the total would balloon these expenses. Omg..I’m so sorry. I’m so glad he will be ok. I can’t even imagine!
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Post by The Walk of the Penguin Mich on Oct 19, 2019 2:43:43 GMT -5
Yours doesn't? Ours does. Frankly I'm shocked that some of the payments are as low as they are. Absolutely, particularly with Medicare. UHC/Peehip was billed $54,840 and $61,941 for two episodes of internal bleeding that required hospital stays. These are just the hospital's parts, not the doctors who did procedures and/or consulted. They paid $5681 for each stay (I just noticed that they were the same), and we paid $250 for each stay. That's only slightly over 10% of the billing amount. We pay about $5000 a year for insurance including Medicare and the state UHC plan for teachers. ETA: bookkeeper , I am so sorry this happened to your husband. Medicaid is even worse than Medicare. When I was on the dental van, all of the patients were Medicaid. We had one very busy day at one of the schools, and the finance person on the van told me that what they would receive from Medicaid for the services rendered that day would not even pay for the supplies used. It was rather eye opening as to the amount that the university covered to pay for these services to the community.
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zibazinski
Community Leader
Joined: Dec 24, 2010 16:12:50 GMT -5
Posts: 47,868
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Post by zibazinski on Oct 19, 2019 10:29:27 GMT -5
Most doctors will only take their patients on Medicare if they age in while on insurance that pays decent. So far, may my luck continue, I’ve had insurance that doesn’t meet ACA rules but has been affordable. Insurance that does is double the cost. Because it’s basically major medical, my deductible is 2500 instead of 6900 which would have been my ACA approved insurance deductible. I will have to pay for services like blood work and Pap smear in my November annual doctors appointment but I’ve planned for that expense. I’ve saved almost 6k in premiums by not having ACA approved insurance.
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Deleted
Joined: May 9, 2024 1:48:05 GMT -5
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Post by Deleted on Oct 19, 2019 19:55:48 GMT -5
I've paid $3150 in premiums year to date and $141 medical and $76 prescriptions out of pocket. That's for me and both kids.
I can't find what insurance paid on the prescriptions, but I was billed $8254 for medical so far this year
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countrygirl2
Senior Associate
Joined: Dec 7, 2016 15:45:05 GMT -5
Posts: 16,946
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Post by countrygirl2 on Oct 19, 2019 20:30:27 GMT -5
Hubs premiums on medicare are $139.49 per month for supplement plan G $135.50 for part B $ 15.50 for plan D
$290.49 per month
Mine is $176.15 for my supplement for plan F $135.50 for part B $ 52.10 for plan D
$363.75 per month
Total $654.24 per month = $7850.88 +2188 about 6 months of scrips, may have been more now say $100 a month for the other 6 but I think it was more. So about $10,600 a year for premiums and drugs. If people only have SS they can't pay it, I hear a lot with only the free Part A and nothing more. If some are quite poor or disabled like DD hers cost nothing and she has medicare and medicaid.
Hubs is never sick so doesn't use his much. My insurance covers everything so far, its drugs that don't. I was spending over $300 a month or more for drugs, didn't keep close tabs, couple months ago I went into the donut hole so the costs went down, I had expected them to increase. Now I'm spending about $100 or so.
A lot of months I spent $355 a month for scrips, say 6 until I quit the statins and hit the donut hole.
I know our premiums will rise and I hope I don't get dropped after this year. Hubs already got an increase for his drug premiums notice. We won't the others till the enrollment period is closed.
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countrygirl2
Senior Associate
Joined: Dec 7, 2016 15:45:05 GMT -5
Posts: 16,946
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Post by countrygirl2 on Oct 19, 2019 20:33:18 GMT -5
MPL did you pay $3100 or $8200 as premiums?
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Deleted
Joined: May 9, 2024 1:48:05 GMT -5
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Post by Deleted on Oct 19, 2019 20:52:19 GMT -5
MPL did you pay $3100 or $8200 as premiums? I paid $3100 in premiums. I had $8200 in medical bills and insurance covered all but $141. ($217 if you include what I paid for prescriptions)
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countrygirl2
Senior Associate
Joined: Dec 7, 2016 15:45:05 GMT -5
Posts: 16,946
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Post by countrygirl2 on Oct 19, 2019 21:36:31 GMT -5
Ok, I see. I never kept track of my bills, wow probably $50k I have no idea but a lot.
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Deleted
Joined: May 9, 2024 1:48:05 GMT -5
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Post by Deleted on Oct 19, 2019 21:41:29 GMT -5
I don't keep track either, but Blue Cross does, so I just have to log into my account to get a summary.
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CCL
Junior Associate
Joined: Jan 4, 2011 19:34:47 GMT -5
Posts: 7,601
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Post by CCL on Oct 19, 2019 23:30:59 GMT -5
A lot of people we know don't realize it can cost $300+ per month for Medicare. They think it's all free and covers everything.
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Post by The Walk of the Penguin Mich on Oct 20, 2019 1:41:15 GMT -5
A lot of people we know don't realize it can cost $300+ per month for Medicare. They think it's all free and covers everything. Right now, I am paying nearly $500/mo for my Part B premiums. This is because of an old company stock purchase and company sell off that hit our income in 2018. Horrible timing, but nothing we could do about it. Luckily, that will drop back to $135 next year. That does not include the $400/mo that we are paying for me being insured on TD’s employee plan. We went in this direction, as getting a supplemental plan while on disability is almost impossible. This way, I still have access to my orthopedic surgeon. Luckily, all my meds are well covered under his plan, so I pay squat for those. So so right now, I am paying $900/mo for insurance while on Medicare.
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zibazinski
Community Leader
Joined: Dec 24, 2010 16:12:50 GMT -5
Posts: 47,868
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Post by zibazinski on Oct 20, 2019 2:50:02 GMT -5
A lot of people we know don't realize it can cost $300+ per month for Medicare. They think it's all free and covers everything. It’s still a deal
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mollyc
Familiar Member
Joined: Dec 24, 2010 2:12:25 GMT -5
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Post by mollyc on Oct 20, 2019 14:56:14 GMT -5
bookkeeperI'm so sorry to hear about your husband. Best wishes on a speedy recovery.
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spartyparty
Well-Known Member
Joined: Dec 21, 2010 12:34:41 GMT -5
Posts: 1,605
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Post by spartyparty on Oct 21, 2019 12:41:41 GMT -5
Rather than show the total charges, I wish they would show the actual amount paid to providers... Yours doesn't? Ours does. Frankly I'm shocked that some of the payments are as low as they are. They do, but only on the claims/EOB's (I'd have to add them up individually) I laugh at the total charges (for all services) for the year of $35k, when what they actually paid is something more like $10k.
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