The LuLac Edition #1123, Mar. 20th, 2010
PHOTO INDEX: OUR INTERVIEW LOGO.
With this weekend’s big health care vote coming up, I spoke with a person that has an individual/ personal plan they pay for every month.
Q: What plan do you have?
A: I have a traditional health plan. It is one I pay for as an independent entity.
Q: What do you pay every month?
A: Over $500.00 a month.
Q: So that covers everything right?
A: Nope I got deductibles.
Q: Explain how that works.
A: Well if I go to the hospital I have to pay a sort of entry fee of $100.00. Then I have to pay $25.00 a day for I think the next 10 days.
Q: So to enter the hospital, you might have to pay a copay of $200.00. How about testing?
A: Well I d get blood work and diagnostic testing but I have a $250.00 deductible to meet. Then after the $250.00, it’s covered.
Q: Do you have Major Medical?
A: Yes I have it in case I need to go to a chiropractor or physical therapist. That’s covered but only after I meet my $500.00 deductible.
Q: Major Medical covers prescription drugs, right?
A: Well I have a drug plan but that kicks in after that $500.00 deductible is met.
Q: Okay, let’s add this up, you pay about $525.00 a month, that’s $6300.00 a year. Then adding the two $500.00 deductibles plus the $250.00, that comes to about $7500.00 a year.
Q: So if you were married and needed to add a spouse you’d get a break, right?
A: No it would be roughly double of mine.
Q: Are you happy with your plan?
A: I’m glad I have it and can afford it. At least now. Barely.
Q: Ever postpone tests?
Q: Do you think health care needs an overhaul?
A: No, I think health care is just fine, the way it is administered by the insurance companies needs to be changed.
Q: What do you think about the protesters who say the health care plan will ruin America and our future health care system.
A: I think they can say that from their own perspective.
Q: Why is that?
A: Because they don’t have my health insurance bill.