We do I think. It is the Blue Cross Hospitalization only plan.
Only hopitalizations are covered up to 54K and then everything is covered.
I don't mind paying meica costs either.
But giving up my house and life to do it doesn't make sense.
10 and 20K going out all at once, I'd be homeless in a month.
-sd

SD wrote:

> I'm going to sign up for Blur Cross of California. That is what my own doctor
has. We are "friends" I do his web page he charges me nothing for my dx an
danything like a test once a year or less or whatever. Weird that I dont' want
> anything.. We but do only fear the catstrophic, so we only get
"hospitalization".l I went to hime a few times to get my thryoid straight when I
knew very little about T's. But now I am stable there and I don't need anythning
from him.
> He knows it. I can totally understand the dilemna of not needing an MD. We
must be lucky or something. Or smart? Maybe both?
> I've been aware of body and how it works since I was a kid And could learn, I
did learn. No mystery. Thje info is out there. But at any moment I could get in
a car weedk and need medical treatment or whatever. Some docs I do fear,
> becasue they are brain washed. Adn yehit will cost a K a year. but oh well. It
beats risking what little IO have sved upo, etrc. When your bill comes to $5K it
covers 100% of everything plus take home meds. It's like car insurance.
> -sd
>
> Flash Fyre wrote:
>
> > We're coming up on open enrollment and I want to ask the talking heads
> > hard questions just for the fun of it. I have AETNA HMO, a true piece
> > of steaming dogsh*t.
> >
> > 1) How much of the money from my paycheck goes to the Dr. and how much
> > to the shareholders/management? Is it paid annually, monthy, etc? Got
> > a pie chart? On the web? I've heard the Dr. gets $50 a month as my PCP.
> >
> > 2) Does the Dr. get a bonus at the end of the year, based on the cost
> > of services he provided? I've heard Dr. get bonuses from the HMO if
> > they keep the service costs below a certain level.
> >
> > 3) Why don't we have a catastropic health plan? I'm healthy and
> > statistically I need little more than 1 visit every couple of years.
> > But the base plan starts at $100 a month or so, and rapidly increases
> > from there.
> >
> > No catastrophic plans are available (say, $3000 annual deductable,
> > nice to have just in case I need some hardcore services). I'd gladly
> > pay cash for a visit/tests/medication once every 18 months or so and
> > leave all this monthly payment crap behind, and just get the hell out
> > of this rigged game.
> >
> > Comments? Opinions?
> >
> > Thanks
> > FF
> >
> > (I don't really fear anything about Drs. per se, but these HMOs
> > (insurance companies + bean counters + government) are awful...i don't
> > fear them, I think they're a crooked pathetic joke!
> >