Health Insurance!! Outrageous deductibles...

Discussion in 'General Education' started by txteacher1980, Jun 20, 2009.

  1. txteacher1980

    txteacher1980 Rookie

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    Jun 20, 2009

    I work in Texas, and our district offers the TRS Active care plans... I was wondering if other people have this as well and what your thought are?? I find that the deductibles are very high and am thinking of not even enrolling in the health plan this year. We hardly ever even visit the doctor, everything I paid last year was out of pocket because I never met my deductible. Other thoughts? What do you think of Obama's health care reform and a public option?

    Here is what our plans look like:
    http://www.chisdbenefits.com/forms/Cedar Hill ISD - TRS - ActiveCare Plan Highlights 2009-2010.pdf
     
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  3. smalltowngal

    smalltowngal Multitudinous

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    I think the deductibles are outrages as well. I enrolled in it 2 years ago with my old district because the district paid for the majority of it.
     
  4. txteacher1980

    txteacher1980 Rookie

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    It wouldn't be so bad if it were just me... the district will pay 225 per month for employee, but with my son, that brings it to 364 per month...with a $1500 deductible!
     
  5. smalltowngal

    smalltowngal Multitudinous

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    Ouch! Yeah, I got the cheapest one I could for just myself and dd.
     
  6. mollydoll

    mollydoll Connoisseur

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    Not to be gloom and doom or anything, but I am young and healthy. Last summer, I ended up with a freak back injury--a specific rare class of hernia. I was out for a normal walk, tripped a little bit (didn't fall) and felt an ache. Gradually the ache got worse. I was in a wheel chair by Christmas. Luckily, I was able to have surgery in January and am 100% better and walking normally now. Had I not had such quick treatment, I would almost certainly have ended up with permanent nerve damage of some degree or other. Not to mention the constant pain (it was so bad, I was on Fentanyl).

    I guess what I am saying is how much is peace of mind for the unexpected worth? I haven't had a cold, flu or anything similar in years.
     
  7. Aliceacc

    Aliceacc Multitudinous

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    I know nothing of that particular plan.

    But please, PLEASE, do NOT drop your health insurance!!

    A year ago I was healthy too. (I don't know whether or not you consider 49 "young." )

    Then I found that lump in my breast.

    Three surgeries so far (with 2 more this summer) and 28 days of radiation later, and I can't tell you how glad I am that we have health insurance!!

    And, for the record, the Phyllodes tumor I had had no apparent link to family history or to anything else. They just happen. I was the first in my family to experience anything like this.

    Look at you options and shop around for a plan if you want. But you NEED health insurance!!!!
     
  8. monsieurteacher

    monsieurteacher Aficionado

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    I concur... as someone who was stupid and didn't get the dental insurance because he doesn't like the dentist and never goes to see his dentist... get it anyway! Now I've got a root canal that I can't afford to get taken care of until September at the earliest once I'm back on an insurance plan.
     
  9. kimrandy1

    kimrandy1 Enthusiast

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    There is absolutely no stating the value of that peace of mind, mollydoll.

    We are extremely lucky in our district. We have several plans available to us, and I chose the cheapest possible plan for myself and my family. I have whole family coverage through an HMO, and we have no yearly deductible. It costs me about $30 per pay (and that includes vision, dental, and drug coverage). A visit to the dr. is a $5 copay. A visit to a specialist (including my OB/GYN) is a $10 copay. We have to choose one primary dr, and we are "allowed" to only see that dr. unless we have a referral, but every single dr. I've ever wanted to see is within our network, and I have never had an issue trying to get a referral. Both my kids' ped and my primary care dr are willing to give you a referral even without an office appt. I just call and say, "I think I need to see an ENT," and they fax the referral right in.

    As I said, I realize how incredibly lucky I am.
    Kim
     
  10. kimrandy1

    kimrandy1 Enthusiast

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    Alice, my mom has been undergoing cancer treatment for several year, first lung and now brain. She has an 80/20 insurance plan. She has a hospital bill (representing the 20% that she is obligated to pay) of well over 650,000 dollars. (left over from 4 chest surgeries, then 2 additional brain surgeries, many hospital stays, chemo, radiation, drugs....you name it.) The hospital told her that they never expect her to be able to pay it fully. Imagine the boat that she'd be in without any insuranace.
     
  11. czacza

    czacza Multitudinous

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    My husband and kids are covered under my school district plan (Blue Cross Blue Shield)...DH dropped his healthcare at work since it was costing him a lot out of pocket and oldest son is now a college grad with his own job and insurance so we didn't see the need to keep coverage with two companies...

    Don't drop your insurance- even with high deductibles, it's cheaper than if you have to pay all out of pocket...you just never know...My son got a kidney stone last summer- the hospital bill? About $17K...I've paid only my co-pays on that...insurance picked up the rest. Just this morning, DH and I went to chriopractor ($10 each co-pay) and DH needed to see the eye doctor (pink eye)...plus we had to get a prescription for his eye infection which insurance will cover most of...

    If your insurance doesn't work for you, shop around...perhaps teachers in your area can join together for better group rates- do you have a union that can work on this issue for you?
     
  12. Aliceacc

    Aliceacc Multitudinous

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    My niece was a very young healthy 22 year old when she gave birth to Cassidy-- two months premature.

    Cassidy was born with a multitude of birth defects. She spent most of her first summer in the NICU in one of the large hospitals in NYC, where she was taken by ambulance a few days after her birth. She was a "million dollar baby" before she was six months old.

    We lost her in April, a month shy of her 3rd birthday.

    Had Kelly and John not had medical insurance, they would be paying those bills-- and reliving the pain of Cassidy's loss--every single month for the rest of their lives.

    Drop your cell phone, drop your internet service, downsize to a small apartment. But keep your medical insurance!!!
     
  13. mollydoll

    mollydoll Connoisseur

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    I have another: We have a family friend who owns a successful business. She went through a divorce and bought out the business and struggled financially for a while getting things in order. One thing she did was to downgrade her insurance from a $1500 deductible to a $10000 deductible, for a savings of ~$3000 a year in her premium.

    One day, she had some fresh salmon from Whole Foods for lunch. She put the wax paper wrapper in her trash.

    Same day, for dinner she prepared something else and sliced her hand with the knife; minor cut. She washed it off, then put veggie peels in the trash. In doing so her cut hand came into contact with the salmon wax paper. She washed her hand again.

    Result: 4 days later, she was in the ER with a severely infected hand/arm, was on major antibiotics and other things. Her bill was $8000. For a cut finger!
     
  14. peggy27

    peggy27 Cohort

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    I agree with everyone else, do not drop your health insurance. You may be healthy and never go to the doctor but you never know. It is peace of mind to have the insurance. My deductible is $500 and I usually don't hit it but I have $15 office visits and it saves me so much on prescriptions. Look around but do not not have no the insurance.
     
  15. txteacher1980

    txteacher1980 Rookie

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    thank you for all of your helpful responses... We are not a union. But I will suck it up and keep the insurance. :)
     
  16. KinderCowgirl

    KinderCowgirl Phenom

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    We don't have that particular insurance, but our deductibles are also ridiculous. However, I have to echo the popular sentiment here not to drop the insurance. I had to go to the emergency room last year, I had this horrible abdominal pain, couldn't even really stand up I was so dizzy and nauseous. They did a CAT scan and with the blood tests, ER visit, doctor charge - the total bill before insurance was $7,700. I had to pay the $1500 deductible and then 20% of what was leftover, but like Kim said - I can't even imagining scrambling up $7,700 out of the blue like that.
     
  17. Ross

    Ross Comrade

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    Jun 21, 2009

    I am familiar with many young and healthy people whose lives turned to disaster in an instant with medical problems.

    Yes, deductibles are high, but the actual costs of medical care are astronomical.

    Sign up for your companies medical insurance plan.
     
  18. silverspoon65

    silverspoon65 Enthusiast

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    I would keep it too. I also have a story - my best friend didn't have insurance after high school. Not too long after her parents' insurance ended, she had appendicitis. $15,000 in debt was not a great way for her to start her adult life.

    I can see your frustration though. At my old job, I had no deductibles and a $15 or $25 co-pay. I paid $8 - $20 for prescriptions. At my new job, I have NO DEDUCTIBLE and NO CO-PAY (still wrapping my head around this) and a stipend to the cover the remaining cost of already cheap prescriptions. If I don't use it up on that, I can also use it on any other health items - even toothpaste or Advil! So your plan just seems ridiculous to me.

    Watch Michael Moore's Sicko!
     
  19. forkids

    forkids Cohort

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    (Other thoughts? What do you think of Obama's health care reform and a public option?)

    First of all, keep your insurance - you never know what will happen.

    I say we desperately need a public option for insurance coverage.
     
  20. Hoot Owl

    Hoot Owl Aficionado

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    It's just outrageous that insurance costs so much. And, like others, I can echo a lot of stories related to benefits of having it.

    My DD will never be able to get insurance because she's had a heart condition. Her husband carries her with his group plan otherwise she'd be out in the dark.

    My sister had ovarian cancer when she was 22, 30 years ago, and she's denied any coverage. She's been cancer free for 30 years!!!! The only way she has coverage now is through her group plan.

    I have a good friend who has retired and she pay $1050.00 a MONTH for her and her husband.

    If insurance wasn't so high teachers who want to retire could, but they hold on because the premiums are so high after they're retired.
     
  21. SouthernBuckeye

    SouthernBuckeye Companion

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    I am keeping mine. The only way I will drop it is if I ever marry my boyfriend because he is in the Army. Military = almost free medical.
     
  22. MissBee06

    MissBee06 Rookie

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    To the OP, which active care plan on you on? I am on plan 2 and I have never had any worries. I can't remember my deductible, but all that I to pay is my co-pay when I see the doctor. I've been on this plan for three years now and have no problem.
     

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