First, the “in network”/”out of network” issue we’re having is because a medical provider here was billing some of our in network charges as out of network and by the time we discovered it, there was a good bit of money that was owed us. This happened when Vince was still working and we had Blue Cross of MN. This was not a problem with the insurance but a problem with the provider here. Still not resolved.
The problem I’m having with no out of state coverage is with insurance through the open market, the exchange, Obamacare . . whatever you want to call it. It’s ridiculous. I’m not being political . . there’s enough blame to go around with this. I’d love to see our politicians live with this insurance and every time they went home to visit Granny or to an out of town football game, their coverage ceased to exist. But no . . they live by a totally different standard from how the rest of us live.
For those of you who still have employer provided health care . . be thankful!
Here’s an article I was reading this morning and it looks like in 2019, whether it’s HMO or PPO, if you’re buying it yourself, there’s not going to be any out of state coverage. Just read your policy, talk to your agent . . whatever . . but be sure you know whether you have coverage before taking a trip. Again, always know what your policy includes but employer provided policies are probably different. Medicare is different . . Vince has been totally pleased with his Medicare coverage, and while it’s not cheap, it has paid everything Vince has submitted, without questioning anything. The premiums are based on income tax returns from two years prior and though you can get the premiums reduced by showing a “life changing event” i.e., retirement . . and, therefore, less income than your two years ago income tax returns reflect. But, as soon as they review another year’s income tax return, the premium goes right up again and you have to file the same papers you filed before. Small hassle .. but worth it.
How crazy is it that simply traveling from one state to another, within the United States, you lose your coverage? And who would have thought it would come to this.
The “virtual doctors” are still reasonable. It’s $75 without insurance for MD Live. We’ve used Doctor on Demand with our previous insurance. Most of those have a list of what they can treat and we’ve both been happy with the doctors we’ve talked to when we used their services.
Our insurance situation in this country is truly a mess . . again, not blaming either party and if you’re blaming one part or the other, you really need to change the channel or do a little research. There is plenty of blame for all sides. I’m not even sure if it isn’t in such a mess now that it cannot be fixed, or at least not fixed to be back to how it was when most of us considered it to be adequate. What I have now is definitely not adequate and it’s outrageously expensive. I pay over $1,000 per month and have an almost $15,000 annual out of pocket limit and that’s just for me.
So . . make sure you know what coverage you have and don’t have and stay healthy.
And for those of you who think you’re fine . . I didn’t go to the doctor once in all of 2017. As soon as Vince retired, really within weeks . . I had to go to the doctor three times and was in the hospital once . . not a dime of which was paid by my insurance.