My best answer is just hurry up and retire and get on Medicare.
I know the world is reading this but that's ok.
First off, Medicare contracts with medical suppliers to perform tasks at a price they (Medicare) are willing to pay. The provider agrees to supply the services for that price and are contractually required to accept the Medicare approved payment and not come to the patient for any more money.
This may sound like a ripoff to the supplier, but when you are in the cancer center and every single person sitting and waiting for treatment is grey headed, had the center rejected Medicare, the lobby would be empty. Volume makes up the difference and besides, the facilities probably use the difference in their price and the Medicare price as a loss on their income taxes.....so at that rate these corporations pay zero taxes.......marketing ploy.
This is your first plus which I will address later. Medicare pays 80% of it's approved amount. You are responsible for the remaining 20%. Supplement policies come in to play here provided by Aetna, United Health Care, or other providers for a fee.
In 2013 I had terminal cancer. My retail bill for chemotherapy treatment was listed at $150k. They solved my problem. My out of pocket cash was the deductible of my supplemental policy, plus premiums.
Well on the premiums, I spent 36 years with my employer and they paid them so I don't know what they would have been on the open market. My deductible for that policy was $1750 out of pocket cash.
So for roughly $100 per month in Medicare insurance payments (which I would have had to pay anyway), and supplemental insurance, I got a $150k New Life for $1200 in Medicare insurance for the year and $1750 in supplemental deductible.
So hope this helps. Everybody has a different situation.
The Affordable Care Act has had zero impact on any of my health premiums including the drug insurance which is with Texas Blue Cross Blue Shield, Blue Medicare RX.
If you aren't eligible for Medicare, I don't know what to tell you.
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