(02-08-2019 02:52 AM)Machiavelli Wrote:
Middle class feeling betrayed by Trump.
Just an FYI...
this middle class guy -- ME -- is still bitter about losing my Cadillac health care plan.
Now I pay MUCH higher premiums -- those are deducted from my check, by the way, reducing my take-home pay -- and I have huge deductibles. Plus the co-pays have gone up.
And the plan keeps getting worse each year.
Heck, last week I called Cigna to ask if a certain ENT office was an in-network provider on my plan. They are.
So here's the deal:
If I go to the general practitioner I pay a 30% copay. If he can't handle it and refers me to a specialist I make an appt with them.
Once there, I don't pay a co-pay. I pay 100% of the "negotiated" price.
I said, so I pay all of the bill and Cigna pays nothing.
The Cigna rep replied, "No. You pay 100% of the negotiated price."
I said, so cigna basically works a cheaper price for me but I pay 100% of that cheaper price.
Cigna: "Yes."
Me: So I pay 100% of the bill and Cigna pays nothing.
But it does count against my huge deductible.
I'll say it one more time:
Under my Cadillac plan, in 1999 my premium was next-to-nothing, my wife went to her OBGYN when she found out she was pregnant. She payed a $20 co-pay for that visit.
From that point forward, we never paid another dime through the pregnancy and birth.
$20 is all it cost me -- period.
In 2015, a coworker (under our ObamaCare replacement plan) had twins. I asked him how much out-of-pocket he had. It was pushing $6,000.
Pre-ObamaCare - $20
ObamaCare - $6,000
And you're jumping up and down because some people don't understand that withholding numbers have decreased?