I answered, though I'm not sure if you intended to focus on U.S. members only. For Canadians, it's a given as we all have health insurance as per the Canada Health Act. Supplemental insurance for most prescription meds, eye care, dental care is another matter and covered by supplemental health plans. I have that too.
Other interesting questions would include how much do each of us pay for premiums, how much are our co-pays.
I'm curious about how much $$$ is spent in total one year on my health care including physician visits, radiology, ER visits, etc. I've looked into it but can't seem to find this info as those government funded costs are hidden to me.
Cost for me & hubby is over $15,000 per year; plus, we have $12,000 deductible. Once that is paid, my $3,000 monthly Rebif bill is paid in full (it's injected, so is covered as part of Major Med, not Rx).
We got this while young & healthy -- BEFORE my MS -- we're both self-employed, so pay all of it ourselves.
Needless to say, we are NOT wealthy people-- nearing retirement age, and the costs are killing us. Our hopes were high for the new federal Health Insurance act, but now that's starting to look like a target for elimination...
I have insurance but have an individual out of pocket of 4000.00 with 2500 deductible. Luckily my avonex only cost me 10.00 a month due to the fact the I qualify for patient assistance based on my income.
I have full coverage thru my employer, who does not know I have MS. I am on FMLA right now with work, due to a pathological fracture of my sacrum. Now the doc is telling me I may have spinal osteoporosis, related to the MS? Back to more specialists. I'm a little worried about what I am going to do for coverage if I am not allowed to go back to work. Keeping high hopes that it won't happen.
My health care is now limited to my PCP and medications (mostly generics). I am on my husbands plan through work.
Ironically my having to cut out my MS treatment is tied to Medicare and Medicaid. Whenever the reimbursements to providers is cut for Medicare and Medicaid the cost is shifted on to me with private insurance by the Hospital. Otherwise these institutions would not see Medicare or Medicaid patients at all. Say a MRI costs $2000 at my Hospital. Medicare pays $1000, I am charged over $3000 for the same test. I pay over $1000 out of pocket to make up what the hospital lost on the Medicare patient. I therefore can no longer afford MRIs. I feel for folks on these programs, I personally can't afford to pay the extra costs. Every cut to Medicare and Medicaid hurts those with insurance as well as those on the programs. My PCP does not take Medicare or Medicaid patients and I do not have extra costs, I could not afford most PCPs who are in the hospitals systems because my bill is inflated for the above reason.
I'm new here but have had MS for almost 3 years-we have fairly good insurance from what I have read so far. We have 4 children, and before I was diagnosed-we got along ok and the kids didnt want for much-the last 3 years have been a total shocker for them. Hubby and I work at the same place but insurance is in his name-I have the flex spending-which has been a blessing. I guess I can be greatful that we have an employeer that offers this up to us. Of course we could be like Canada and Great Brittian countries, that is a whole other discussion I suppose. Well I hope to get valuble info from everyone!
Thanks everyone for your input.
From what I tethered based on all of your answers, there are positives and negatives to each individual case.
Pro....do not have to pay much for treatment and low prescription costs.
Con...do not have a large selection of docs.
This baffles me slightly.
By reading everyone's answers, the rate of out of pocket costs varies greatly depending on here you live in the us.
Some pay a lot for coverage and some have a more economic payment per month.
Self employed....these individuals are hit the hardest with insurance payments.
They practically hve to take out a second mortgage to make their payments, co pays, prescriptions. Yikes!
I think this is a pretty good deal.
Medicare coverage gives you more access to docs than Medicaid.
No insurance.......no comment!!!
Lastly I would ike to thank everyone for answering.
When I posted this question, I was wondering why I shouldn't just pay cash for docs because my Medicaid coverage doesnt give me a lot of options in terms of docs.
Now I am just grateful I have it.
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