-si- lol that is adorable. So, my plan costs my employer about $550 a month. In the scheme of things, it is good insurance. Anytime I see a doctor I pay $30. Anytime I see a specialist I pay $40. Medication I might be prescribed could cost anywhere from $5 a month to $1500. I have a $2000 deductible. This means that if I require any kind of operation or surgery I have to pay $2000 out of my own pocket before my insurance kicks in. After that, since I have good insurance everything else should be covered. However, in US healthcare there are always fun surprises. The deductible resets every year, and insurance plans constantly change, so what is currently $2000 a year can easily become $3000 the following year. Deductibles are one of the areas that really fuck people over. For example, the awful Obamacare plans that everyone hated gave everyone relatively cheep insurance, however they come with massive deductibles. So its like, what is the point of having insurance if you have to pay a $10,000 deductible before it kicks in? What makes this instance especially disgusting is that people with these types of plans are still paying a monthly premium to have their insurance, so the insurance companies make money, however the insurance companies never have to pay anything out because the policy holders never meet their massive deductibles.
