Category: Health Insurance Premiums


Today my wife had to have outpatient surgery so we arrived at 11:00 o’clock as instructed.  She does have health insurance through her employer and has $500 remaining on her deductible and the hospital had told her on the phone this would need to be paid at registration!!  Now I thought this was crap as even thought she has a deductible and the money was owed we were basically paying for a service that had not been rendered and what if we were not satisfied!!

So in order to let her go ahead and have the procedure and get it over with we put it on the credit card and trust me the service we were provided at the beginning of the day was less than stellar. By the time they had us running from one end of the hospital to the other the surgery was 2 hours late!!  It was obvious if one knew what the other was doing all of this would have occurred on time.  And another thing about having to pay this $500 dollars today is the fact that we have insurance and “work” which is made known to the provider. Rest assured if an illegal walked through the door or somebody with no money I bet they would get treatment and not hassled over $500 as soon as you walk through the door!!

I have never been an advocate of government-run healthcare but because of what I describe above it will most certainly happen.  The illegals and the poor are getting healthcare whether they can pay or not and the folks like us that have insurance are paying out of our pocket or through higher insurance premiums.   So I say go ahead and give these people their healthcare and charge me one premium so every time I go the doctor or hospital I don’t have to pre-pay for services and then be disappointed in the result!

 

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I have made several posts on the new healthcare bill and how much it will really cost the working people.  Well as I suspected the realities of what I an others have been saying in terms of an increase in premiums is happening as I type this post and it has happened to our family so that makes me an expert as of today to post about it.  My wife received her healthcare booklet with the different plans she can choose from and the plan she has now has increased 120%…. and to make sure I am clear, yes it has gone up 120%!!  Now, let me say she is in the single plan so the dollar increase is not that significant but in this economy any extra dollars out the door hurt the wallet. We did not choose the couple plan because the premiums have always been large but we figured from last year to this year the couple premium has increased 25%.

As stated previously there needed to be some kind of healthcare reform but my issue with this particular program was the cost and how it was going to be paid for.  Common sense alone would tell anyone that nothing is free and these insurance companies are not going to give out free insurance so guess what?? The people who pay health insurance premiums are going to pay for it.

There could also be an another motive for this.  I do not believe the President and his advisors are stupid people.  In fact, I believe them to be very intelligent and know exactly what they are doing.  I submit they knew all along these premium increases would happen and counted on it so the American people would be upset by this and then the government could say “why don’t you just come over to the government plan, it will be cheaper and better for you than the private sector” and because of the high premiums Americans will have no other choice but to do so. This way the government can say they didn’t force us into, but got us in through the backdoor and locked it!!

Finally, just so you know I did not just blog about this. I call my Congressman, Senator and the White House to let them know about the premium increase.   My health insurance renewal is coming up so I will keep you posted.