Medical care is important for all of us, and luckily both Mr. 182 and I have good healthcare programs. Medicare Part A starts for me on October 1 and will be part of my overall hospital coverage. I don’t need Part B or others until later, when I retire and then choose to go onto Mr. 182’s plan or get onto a plan from my pension.
As you may remember, in July, my employer messed up the paychecks of numerous people by adding hours into a month already credited with hours from the preceding month, thus making my income look awesome (it wasn’t) and I was taxed accordingly at 47%. We chose to put off a medical procedure because of the fact our income was not what we anticipated, and losing that income pushed us into a corner a bit. We could have chosen to put the copays for the procedure on a credit card, but as we were told the procedure could safely wait until September, we opted for that.
In getting ready for this medical event, we had to do a number of things. We had to pre-pay for anaesthesia. We also pre-paid the copay for the out-patient hospital stay, knowing we would get a 20% discount if we did this; this saved us $161.00 and change. We will most likely get the $350 back for the anaesthesia as well, about 30 days after it is billed.
Once more, the evidence of frugality and good choices have helped us out financially. We have the cash, something we would have scrounged for only 3 years ago. Having good health insurance made it easy for us to say “yes” to a procedure and not worry about out-of-pocket costs – for a $9000.00 procedure, we are paying 10% or less.
Before the ACA (“Obamacare”) we were still well-insured compared to many people. We didn’t have pre-existing conditions (except that I am female, which is pre-existing condition in this country) nor high deductibles. My deductible is only $450 / year, and then 90/10 if I use healthcare providers with contracts with my insurance. Mr. 182 has about a $1200 / year deductible. I was stunned to meet people with $10,000 out of pocket deductibles and so on.
Now, again, healthcare is on the chopping block. The powers in Washington are doing what they can to destroy what Obama put in place – healthcare that has changed the lives of many. Along with that, many services for women and the poor are being removed because of the witch hunt aimed at Planned Parenthood.