Jan 25, 2010 - 11:41 am
My cancer treatment in late 2008 & all of 2009 cost my insurance company just under $300,000. I have private insurance because I own my own business, a Health Savings Account with Assurant Health. I have a $7,500 deductible that must be paid in full each year before they pay the first dime. I've paid that deductible 3 times: 2008, 2009, & 2010, so $22,500 out of pocket in deductibles. On top of that, I will now pay $181/month for my coverage, still a bargain compared to what my insurance company pays out!! But what do people do that don't have that kind of money??? Anyone else care to share their insurance woes?
I honestly can't blame my insurance company for wanting more money from me. But I have to find fault with the drug companies and the hospital, who see 'private insurance' and leap on the opportunity to grab some extra money. My Neupogen shots, which I've gotten every Tuesday, Wednesday, & Thursday for the last 7 weeks are billed by the hospital at $1500 EACH, and my insurance 'settles' with them at $1200 each! $3,600 week and that doesn't even count my CHEMO! And I am in and out in 5 minutes with a tech giving me the shot!
I am terrified about the proposed national health care plan, but somewhere here we have to get a handle on these crazy costs!