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Dr. Rodriguez, meanwhile, will charge patients $25 a month, plus $10 for each visit, hopefully to attract people who can't afford health care.
Read more: http://www.mysanantonio.com/news/local_news/article/Sick-of-status-quo-doctors-test-no-insurance-3500678.php#ixzz1tvKeUtGu--
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Jon,
Quick response (on my phone now;).
Please research "Health Savings Account". There is no time limit on it's use. It is just like a Roth ira except instead of retirement restriction it's use must be for health or care-facilities use.
I've forgotten the proper name for the one you describe (ADP's acronym starts with F... That's all that's coming to mind at the moment :/), but it's a use it or lose it plan to use for paying mess and deductables that are planned (like kc did for his dental stuff).
Hope that helps.
Don't know why you were turned down, has'a used to be the easiest to get because of the high deductable, but as I said it's been a while.
And when I looked, you don't loose you has when you lose the hdhp, you just can no longer contribute to it. You can still use it as before and it still has no taxes or penalties for health related expenses.
I'll do some research when I can get on line next.
Oh, and I think you maybe right about the cost because the hdhp with my employer is actually nor expensive than the ppo, which is freakin' nuts! I guess they became too popular. ;)
And who ever said aetna sucked, AMEN, BROTHER!!!
Don
That used to exist, but in the 70 Teddy Kennedy and his crew thought HMO's where a good idea and so they outlawed a whole lot of options in order to make HMO's work.
There's been a lot of things like that that were tried, but in the end, they usually run afoul of either state or federal regulations.
Regualtory capture is a bitch! ;)
Don
Nick,
That's what hdhp/hsa plans are supposed to be for. You pay your own way for routine visitation, meds, etc. And have insurance for the catastrophic stuff.
I suspect that if you Sig a little, somewhere between 2005 and now somebody made changes that required these folks to cover stuff like mamagrams or prostate exams or something else and that's why the prices have risen so much.
I'm just guessing though.
Don
BTW, invade I sound like too much of a curmdgeon, I DO like Jon's idea of some sort of hackerspace coop. If I wasn't already employed, I'd gladly participate.
Right, but my BCBS PPO plan is maybe $50 more per month than a HD plan. If you are single or are young with no kids, you might be able to save money. Or if you can't get decent coverage otherwise (e.g. independent contractor), it's the only option.
My point though is that those looking for an alternative to insurance companies, it's a big risk, but in the end, as Ned Flanders says, it's a form of gambling.
Nick
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For those of you who are contractors or freelancers and are not
military what do you use for heath insurance,dental, vision?
I am trying to research how much it would cost a family of 3. Two
parents and 1 kid.
-Greg
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Greg Bluntzer
http://scriptblocks.com/
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