On Sun, 20 Jun 2004 14:26:56 GMT, Anthony
wrote:


Hrm..where's the deal?
$138 x 12 = $1656
+$2500 deductable = $4156
+If basically ANYTHING happens during the year, to you or anyone in your
family $10,000 Any hospital stay is going to run you roughly $2000 a day.
= 14,156
Should someone get pregnant, prenatal physician care will eat another $1-
4k, not counting the hospital bills, ultrasounds and etc.


Read the fine print.. A deductable is not a deductable like it use
to be.. many things are not *applied* to the deductable.. there are
all kinds of hidden cost in insurance these days.. that you don't know
about untill you need it..

prescription drugs are a biggie.. you think you are covered... then
you find out that they only cover 50% of the pills you were
prescribed..... all kinds of little things...


A blue shield PPO 1500 as an example.. has a $1500 deductable.. BUT..
has a $6000 max out of pocket before they pick up 100% on approved
items! Not the treatment you need.. but what they approve..

have a guy locally who can do the job.... or would like to learn a new
procudure on you... must use him... can't go the the top guy in the
nation who lives operates twenty miles away.... not approved..

Even Drs. are conviently treated as a commodity by the insurance
industry...

In the past.. that would have been called a $7500 deductable insurance
policy...

I looked at that two years ago and was amazed...

Mike