Spiky Bugger
Well-Known Member
- Joined
- Jan 5, 2014
- Messages
- 6,201
It was just announced that health insurance will be sold across state lines. Here's how it could impact you:
If you live in state that requires insurers to cover certain problems, then everone chips in a little, and if for example, you live in CA and give birth to a child who hears just fine but is missing external ears, or if you or your daughter have ONE breast that develops but the other never "matures," you can relax because EVERY insurance policy in the state requires that "fixing" these things is covered.
Not all states cover those things.
So when all the "geniuses" in CA who decide they will never need that service...or any other state-mandated coverage...opt for out-of-state insurance, what happens is that:
-not enough people in CA are chipping in a little;
-insurance prices in CA go way up;
-the "geniuses" end up with something they "never thought would happen to me" and no coverage.
-end result is more expensive insurance and more people who don't have what they need.
I've got no dog in this fight. We (both, starting 11/1) have Medicare because we're old, we have an employer-provided policy that is secondary to the Medicare (not a supplement...better than that), and we are both veterans, so we have the VA. And because Mr Sue has a hella union, they cover all our costs for tbe secondary insurance, pay his Medicare premiums and reimburse me for MY Medicare premiums...so we (finally) have almost free medical.
Most of my prescriptions cost either five or ten bucks. Even Mr Sue's thousand-plus-per-month biologics cost us $10. My +/-$800 SIBO drugs cost me $90. That's as big as it's gotten so far. We get occasional, random bills for very small amounts for things not covered...like my Vitamin A and D injections. Or at the beginning of tbe year, when Medicare is paying their 80% and I still need to meet my deductible.
Now...we realize that the rest of y'all are paying for this...but we also pay taxes. And we don't mind paying more so that nobody has to (like Mr Sue did decades ago) forgo getting stiches for an injury because we couldn't afford the deductible/co-pay.
Anyway, if you are in a state...like CA...that covers reconstructive plastic surgery, and you are going to need post-massive-weight-loss plastics, start looking into it now...while it still exists.
If you live in state that requires insurers to cover certain problems, then everone chips in a little, and if for example, you live in CA and give birth to a child who hears just fine but is missing external ears, or if you or your daughter have ONE breast that develops but the other never "matures," you can relax because EVERY insurance policy in the state requires that "fixing" these things is covered.
Not all states cover those things.
So when all the "geniuses" in CA who decide they will never need that service...or any other state-mandated coverage...opt for out-of-state insurance, what happens is that:
-not enough people in CA are chipping in a little;
-insurance prices in CA go way up;
-the "geniuses" end up with something they "never thought would happen to me" and no coverage.
-end result is more expensive insurance and more people who don't have what they need.
I've got no dog in this fight. We (both, starting 11/1) have Medicare because we're old, we have an employer-provided policy that is secondary to the Medicare (not a supplement...better than that), and we are both veterans, so we have the VA. And because Mr Sue has a hella union, they cover all our costs for tbe secondary insurance, pay his Medicare premiums and reimburse me for MY Medicare premiums...so we (finally) have almost free medical.
Most of my prescriptions cost either five or ten bucks. Even Mr Sue's thousand-plus-per-month biologics cost us $10. My +/-$800 SIBO drugs cost me $90. That's as big as it's gotten so far. We get occasional, random bills for very small amounts for things not covered...like my Vitamin A and D injections. Or at the beginning of tbe year, when Medicare is paying their 80% and I still need to meet my deductible.
Now...we realize that the rest of y'all are paying for this...but we also pay taxes. And we don't mind paying more so that nobody has to (like Mr Sue did decades ago) forgo getting stiches for an injury because we couldn't afford the deductible/co-pay.
Anyway, if you are in a state...like CA...that covers reconstructive plastic surgery, and you are going to need post-massive-weight-loss plastics, start looking into it now...while it still exists.
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