jasetaro
Well-known member
I don't know the specifics of DBA's plan, but for the sake of argument I'm going to assume it's similar to mine... The plan I have is basically a traditional indemnity plan with a PPO rider and HSA -- Health Savings Account. The plan has $5,000.00 per calendar year deductible, there's no co-pays or co-insurance, I pay out of pocket or out of my HSA actually until I've satisfied my deductible for the year then the insurance company pays 100% of covered expenses.Probably you getting ripped since with catastrophic high deductible they would not be paying any of the $100K so they collect $2,000 a year and pay nothing. You've obviously left something out of your story, the high deductible and high copay. Always best to leave the personal anecdotes that, wonder of wonder, agree with your world view, funny that. Stick with the real world stats. US 20% of GDP, Europe 10% of GDP. US 70% with some health care, Europe 100% with full coverage. US 37th in world health stats. US No. 1 in health care costs.
Two years ago when I had my appendix removed the total bill came to roughly $30,000.00, I paid my share and they paid the rest no questions asked.