Sunday, February 8, 2015
Affordable Health Care .... Promises, Promises
I read an article last week about the benefits of affordable care for those over the age of 60. Did you know that you are entitled to an annual "well" exam free, with no cost to you at all. No co-pay. Also preventative care is offered "at NO COST" for screenings such as mammograms and colonoscopies and pneumonia shots, as well as flu shots.
I feel enlightened, since I had to pay for my annual exam last year. Not just the co-pay, but the balance of the cost of the office visit, since I had not yet met my deductible. Seems they did not honor that part of the "contract". For years we had no insurance. Not able to afford $1200 a month, since our health history factored in.
Last year we signed up for the mandatory insurance. I say mandatory, since there would be a fine for not doing so. The plan we chose was not all that good. A very high deductible to meet and, like I said, the co-pay, pus the balance of the office visit until the deductible was met. The premiums were low, but we still had to pay out of pocket for our prescriptions. So, really, this "affordable" health care cost us more that not having insurance at all.
Like I said the premiums were low, only $27 a month. But that $27 provided nothing, other than the assurance that should hospitalization be required for a major illness, it would not bankrupt us. I have been waiting patiently for a new year to start so that all the referrals to specialists and tests would apply to my annual deductible .......... then we got our new policy and the premiums had jumped to $328 a month. No, the coverage did not change at all, it was still pretty crummy with a high deductible to meet before it paid for anything.
So, we dropped the policy, went back to the "market place" and found another plan through another carrier for $44 a month. Not any better than the other policy, but "affordable". Now I have to wait until March 1st. Almost here and I am nothing, if not patient.
So, imagine out surprise to find out that we have been charged $352 on our income tax for the amount that was paid for our affordable health care. Add insult to injury. I am so confused.