I did not qualify for ACA after applying. Apparently earning $1500 last year (I am a caregiver for my elderly father) designated me to pay a minimum of $450/month premium with $8500 cap for bare bones policy.
Does this mean that after my coverage begins I have to spend $8500 out of pocket before it pays for anything?
I went to an Ear Nose Throat doctor because my uvula swells up making it tough to breathe at night. Dr prescribes me the same exact meds that my veterinarian gave my dog for her itchy tail that she bit too hard. My bill was 10x higher for same exact meds. Prednisone and an antibiotic.
Dr invites me back for follow up with a CT scan. When we reviewed my facial structure, he pointed out I have a deviated septum and that he wants to perform surgery.
I was disappointed that the CT scan was only looking at the area above my throat, and not where I requested. I expressed my concern, that his prior prescriptions did not help.
Now i take a generic claritin before bed and I’ve cured myself.
I communicated up front that i had no insurance and paid the no-insurance rate, which totaled about $800 between both visits.
So if I had bought the policy to have coverage (and this Dr was in my network), does that mean I would have had to pay all the monthly premiums, plus the full priced “insured” doctor bill rate?
It all seems fishy to me that I get prescribed a surgery when a simple over the counter drug cured me. All I see is unnecessary greed in the healthcare industry here in USA.
submitted by /u/squirreldodger
[link] [comments]
I did not qualify for ACA after applying. Apparently earning $1500 last year (I am a caregiver for my elderly father) designated me to pay a minimum of $450/month premium with $8500 cap for bare bones policy. Does this mean that after my coverage begins I have to spend $8500 out of pocket before it pays for anything? I went to an Ear Nose Throat doctor because my uvula swells up making it tough to breathe at night. Dr prescribes me the same exact meds that my veterinarian gave my dog for her itchy tail that she bit too hard. My bill was 10x higher for same exact meds. Prednisone and an antibiotic. Dr invites me back for follow up with a CT scan. When we reviewed my facial structure, he pointed out I have a deviated septum and that he wants to perform surgery. I was disappointed that the CT scan was only looking at the area above my throat, and not where I requested. I expressed my concern, that his prior prescriptions did not help. Now i take a generic claritin before bed and I’ve cured myself. I communicated up front that i had no insurance and paid the no-insurance rate, which totaled about $800 between both visits. So if I had bought the policy to have coverage (and this Dr was in my network), does that mean I would have had to pay all the monthly premiums, plus the full priced “insured” doctor bill rate? It all seems fishy to me that I get prescribed a surgery when a simple over the counter drug cured me. All I see is unnecessary greed in the healthcare industry here in USA.
submitted by /u/squirreldodger [link] [comments]Read Morer/HealthInsurance