US Health system, coming back to the UK?
May 9th 2005, 7:02 pm
#136
Lost in BE Cyberspace
Joined: Feb 2004
Posts: 14,577
Re: US Health system, coming back to the UK?
Originally Posted by gooner81
Yeah i read all the stuff available on the net and of course there are smaller charges like first $100 of prescription drugs per year you have to pay, $25 for a specialist, $500 for mental costs if admitted etc but nothing into the thousands people are complaining about.
May 9th 2005, 7:05 pm
#137
Mr. Grumpy
Joined: Jun 2003
Location: Nashville, TN
Posts: 3,100
Re: US Health system, coming back to the UK?
Originally Posted by gooner81
AM Best Rating: B++ CareFirst BlueChoice
Plan Type: HMO
Deductible: $0
Coinsurance: 0%
Office Visit: $15 Premium:
$365.00 monthly
Taken off the website i used this was based on 2 adults living in Maryland, bethesda
Even PPO you can get for $399 a month which has only £300 deductable per year however this also has a copay of 10% which isn't as good
People say they don't like HMO but i read up on it and it doesn't sound to bad.
Plan Type: HMO
Deductible: $0
Coinsurance: 0%
Office Visit: $15 Premium:
$365.00 monthly
Taken off the website i used this was based on 2 adults living in Maryland, bethesda
Even PPO you can get for $399 a month which has only £300 deductable per year however this also has a copay of 10% which isn't as good
People say they don't like HMO but i read up on it and it doesn't sound to bad.
do you have URL?
May 9th 2005, 7:34 pm
#138
Forum Regular
Joined: May 2005
Location: Fairfax, Virginia
Posts: 279
Re: US Health system, coming back to the UK?
Originally Posted by BritGuyTN
me and my partner are only a year older than you guys - thanks for posting.
do you have URL?
do you have URL?
May 9th 2005, 10:01 pm
#139
Homebody
Joined: Jan 2005
Location: HOME
Posts: 23,181
Re: US Health system, coming back to the UK?
Originally Posted by gooner81
AM Best Rating: B++ CareFirst BlueChoice
Plan Type: HMO
Deductible: $0
Coinsurance: 0%
Office Visit: $15 Premium:
$365.00 monthly
Taken off the website i used this was based on 2 adults living in Maryland, bethesda
Even PPO you can get for $399 a month which has only £300 deductable per year however this also has a copay of 10% which isn't as good
People say they don't like HMO but i read up on it and it doesn't sound to bad.
Plan Type: HMO
Deductible: $0
Coinsurance: 0%
Office Visit: $15 Premium:
$365.00 monthly
Taken off the website i used this was based on 2 adults living in Maryland, bethesda
Even PPO you can get for $399 a month which has only £300 deductable per year however this also has a copay of 10% which isn't as good
People say they don't like HMO but i read up on it and it doesn't sound to bad.
10% co-pay!
Is that across the board or is there a ceiling? Try paying 10% of a major heart op. :scared:
Or cancer treatment :scared: :scared:
No thanks...
May 9th 2005, 10:05 pm
#140
Forum Regular
Joined: May 2005
Location: Fairfax, Virginia
Posts: 279
Re: US Health system, coming back to the UK?
Originally Posted by DonnaElvira
10% co-pay! Is that across the board or is there a ceiling?
Try paying 10% of a major heart op. :scared:
Or cancer treatment :scared: :scared:
No thanks...
Is that across the board or is there a ceiling? Try paying 10% of a major heart op. :scared:
Or cancer treatment :scared: :scared:
No thanks...
May 9th 2005, 10:16 pm
#141
Homebody
Joined: Jan 2005
Location: HOME
Posts: 23,181
Re: US Health system, coming back to the UK?
Originally Posted by gooner81
not sure didn't look at the details on that one would assume there was a sealing seeing as it was expensive, my point was the HMO one when max you would pay is $500 because you are hospitalized whether its heart surgery or not.
Supposing you develop congestive heart failure, where hospital admission is a frequent occurrence due to complications. Or severe asthma. Or, or,...
The point is, you do not know what disorders you may develop down the line. Plus health insurance is tied to your job. People with chronic illnesses who lose their jobs have a difficult time getting employed again because employers' health insurance companies quote silly figures for the premium for such people. Young women with multiple sclerosis, even if they are still mobile, perfectly able to work and unlikely to become disabled for a couple of decades or more, find it almost impossible to find employment for this reason.
I could go on...
May 9th 2005, 11:44 pm
#142
Lost in BE Cyberspace
Joined: Oct 2003
Location: Avon Lake, OH
Posts: 5,270
Re: US Health system, coming back to the UK?
It doesn't seem like a great plan to me. It's cheap because it doesn't cover everything. It dooesn't look like it covers preventitive medicine except a doctors visit and you do have a max of $6000 out of pocket expenses. It also doesn't look like the prescription drugs they cover are very extensive. Finding a PCP could be hit and miss, it doesn't look like there are a huge amount of general practice.I would say it's a good short term plan for somebody young, but I wouldn't recommend it long term.
May 11th 2005, 1:21 am
#143
BE Site Lead
Joined: Aug 2004
Location: MA, USA
Posts: 92,170
Re: US Health system, coming back to the UK?
Originally Posted by anotherlimey
The trouble with HMOs is your treatment is weighed up against how much it costs. Did you read the Wikipedia entry?
anyway, BIL, he's got diabetes...3 month prescription for 3 drugs is $890....the folks pay through the nose for health insurance, so only pay $80 out of that, but as soon as BIL hits 25, gets married, finishes uni and moves out, whatever, he ain't covered, and as it'll be a pre-existing condition, whatever insurance he'll get will be arse numbingly expensive in the future...
May 11th 2005, 3:05 am
#144
Lost in BE Cyberspace
Joined: Feb 2004
Posts: 14,577
Re: US Health system, coming back to the UK?
Originally Posted by Bob
Watch John Q.....cost of kids surgery too much, against possible life survival rate, so they don't pay heart transplant...
anyway, BIL, he's got diabetes...3 month prescription for 3 drugs is $890....the folks pay through the nose for health insurance, so only pay $80 out of that, but as soon as BIL hits 25, gets married, finishes uni and moves out, whatever, he ain't covered, and as it'll be a pre-existing condition, whatever insurance he'll get will be arse numbingly expensive in the future...
anyway, BIL, he's got diabetes...3 month prescription for 3 drugs is $890....the folks pay through the nose for health insurance, so only pay $80 out of that, but as soon as BIL hits 25, gets married, finishes uni and moves out, whatever, he ain't covered, and as it'll be a pre-existing condition, whatever insurance he'll get will be arse numbingly expensive in the future...
