I_Love_McRedneck asked:


Your company’s high deductible plan is a great solution to your problems - and it already exists! Your company just doesn’t tell you about it because it’s a FREE plan, that’s right - NO monthly premiums. you get the same discounts as people with a PPO plan, only you pay nothing. Your deductible is $2200 a year per person, family plans are an even better deal if you have 3 or more people participating because there’s a household cap. Traditional PPO requires a $2000 medical and $1000 prescription deductible - totally separate from each other, where the high deductible plan is combined.
Again NO monthly premiums, same benefits as PPO’s, same doctors, same choices. How do you pay for this if there’s no deductible? You can enroll in a government savings account - again, free of cost, tax-free even! You earn interest on the money you don’t use, and you can keep it for the rest of your life. You get a debit card so you have instant access to your money. You can save up to the deductible..
so there’s literally NOTHING coming out of your pocket.
Do we still have excuses for not having health insurance? I think FREE is pretty darn affordable. What do YOU think?
This plan is offered by EVERY company - it’s probably referred to as your high deductible plan. They HAVE to offer it to you, they just rarely ever explain it to anyone because then they can’t collect premiums from you.
Please, pass along this information to everyone you know. Don’t allow them to pay any more for insurance than they have to. Call an independent insurance agent and just ask them to explain this plan to you, and ask for their opinions. You can’t beat free!
I have roughly $90 taken out of my check before taxes (I get paid every 2 weeks) and it covers everything. I just pay the doctors from my debit card. The only downfall is if you have high expenses at the beginning of the year, you have to pay them out of pocket and reimburse yourself later OR pay the doc as funds are deposited into your account.
My deductible for the year has already been met, so every doctor visit & every prescription I have filled is completely FREE through the end of the year. I’ve NEVER met my deductible through the PPO plan I’d always joined, and it seemed like they always found some reason to deny my claims. This has not been an issue for me since I joined this high deductible plan.
In my case, I had surgery which ate up my entire deductible. Because I’m depositing the $2200 into my account evenly throughout the year, I just make payments to my doctor as the money is put into my account. It’s like any other credit/debit card in the fact that you can’t spend more than you have.
Doctors don’t charge interest for having a balance with them, and they don’t send you to a collection agency if you pay them regularly. Just something to think about.
Actually the deductible is $900 a year LESS than the traditional PPO - just an FYI

Jerry

Mr Krinkle asked:


Here it is:
John McCain Will Reform Health Care Making It Easier For Individuals And Families To Obtain Insurance. An important part of his plan is to use competition to improve the quality of health insurance with greater variety to match people’s needs, lower prices, and portability. Families should be able to purchase health insurance nationwide, across state lines.

John McCain Will Reform The Tax Code To Offer More Choices Beyond Employer-Based Health Insurance Coverage. While still having the option of employer-based coverage, every family will also have the option of receiving a direct refundable tax credit - effectively cash - of $2,500 for individuals and $5,000 for families to offset the cost of insurance. Families will be able to choose the insurance provider that suits them best and the money would be sent directly to the insurance provider. Those obtaining innovative insurance that costs less than the credit can deposit the remainder in expanded Health Savings Accounts.

John McCain Proposes Making Insurance More Portable. Americans need insurance that follows them from job to job. They want insurance that is still there if they retire early and does not change if they take a few years off to raise the kids.

John McCain Will Encourage And Expand The Benefits Of Health Savings Accounts (HSAs) For Families. When families are informed about medical choices, they are more capable of making their own decisions and often decide against unnecessary options. Health Savings Accounts take an important step in the direction of putting families in charge of what they pay for.
Alana: thanks for your intellegent response you have been reported.
everybody:
I also believe we need the lawsuit problem adressed to bring down the cost of malpractice insurance.

Marian