Well it Finally Happened (Healthcare Rant Thread)

[hollohas]

I am a sole income earner and pay $674 per month for family coverage. Individual deductible is $3,000, then 80/20 and out-of-pocket max is $6,000. Double those numbers for family.

I have a baby due in Dec. We just reached our deductible for my wife. BUT...my plan year starts over on Oct 1st so we start all over again paying 100% out of pocket.

When the baby is born, he will start getting charged hospital fees as well...basically we'll be paying for two people inpatient hospital stays for a few days.

When it's all said and done, we'll have paid somewhere in the range of $10k @ 100% out of pocket NOT including our premiums (which add up to $8,000/year). For those doing the math, that's $18k I'm shelling out to have a baby. And that's COVERED.

My 1st kid in 2009 cost us about $1,500 out of pocket, not including premiums which were less than half back then.

Yeah, the ACA sucks.

[CS1983]

I am a sole income earner and pay $674 per month for family coverage. Individual deductible is $3,000, then 80/20 and out-of-pocket max is $6,000. Double those numbers for family.

I have a baby due in Dec. We just reached our deductible for my wife. BUT...my plan year starts over on Oct 1st so we start all over again paying 100% out of pocket.

When the baby is born, he will start getting charged hospital fees as well...basically we'll be paying for two people inpatient hospital stays for a few days.

When it's all said and done, we'll have paid somewhere in the range of $10k @ 100% out of pocket NOT including our premiums (which add up to $8,000/year). For those doing the math, that's $18k I'm shelling out to have a baby. And that's COVERED.

My 1st kid in 2009 cost us about $1,500 out of pocket, not including premiums which were less than half back then.

Yeah, the ACA sucks.

Look into CHM like Zundfolge mentioned. We have it as well for my wife and kids. I'm covered through VA. CHM caps at $450 per family at the Gold level, per month; children are apparently considered one unit because when we added baby #2, they told us our rate would not increase beyond the current $300 we pay (wife and 2 kids[one unit]). If you opt into Brother's Keeper program (which I recommend), catastrophic is covered.

Deductible is $500 per incident?/per year? I need to confirm on that.

Anyway, Little Jimmy's sniffles aren't covered. But if he breaks his leg, that's covered. And if you get enough discounts for self pay status, or for paying all at once, CHM will often waive the $500. Nor are scripts covered. However, you just fall under 'self pay" at the doc's. We pay something like $50 or $75 for one of those visits. Prescription is almost always generic and thus cheap.

The money we save is incredible. When my company sent me the "benefits" package for health care, I literally lol'ed at how utterly retarded it was compared to CHM.

Our first kid cost us our premiums (which at the time was $150 a month). Our 2nd cost us... our premiums, which was by then $300 a month.
CHM is a no brainer.

[kidicarus13]

I am a sole income earner and pay $674 per month for family coverage. Individual deductible is $3,000, then 80/20 and out-of-pocket max is $6,000. Double those numbers for family.

When it's all said and done, we'll have paid somewhere in the range of $10k @ 100% out of pocket NOT including our premiums (which add up to $8,000/year). For those doing the math, that's $18k I'm shelling out to have a baby.

That's really taking it in the shorts. Insurance is such a scam.