How I feel when looking at insurance options.....
I for one will be keeping a close eye on healthcare options in the coming year. I don't think that P.E. Trump will be able to make any appreciable changes right away. But, out of curiosity, I checked to see what I could get. Pictured below are my LEAST expensive options.
Notice the deductible?
And the very top one is Medicaid. Yep. Good luck finding a Dr who is accepting new patients.
So, this is what it would cost me to get insurance. Admittedly it would be cheaper if I were in my 30's. And people wonder why I chose to go without before Romeo found work? We were barely getting by. We'd have to cut out food and gas $$ to afford for me to have insurance ~ with a $7,000 deductible. The Presbyterian plan is an HMO..again, good luck with finding a Dr who is accepting new patients. Especially in New Mexico, where primary care physicians leave more often than not. Before Romeo was laid off from a job he had for 12 years, we had Presbyterian, and now through the school system we have it again. During that time we have had 4 primary care physicians with Presbyterian leave the system.
I have been "catching" up with Dr appointments, like ye ol' pap smear, oncology, bone scan, mammogram, etc. since we've been insured. Since I don't know if Romeo will be able to find a position teaching for the fall before this school year ends, I need to keep it going and schedule the rest of my preventive care appointments done before the end of May. I suppose that older American's are expected to just simply pay through the nose because we are more likely to need care. And I've had breast cancer in the past, so I suppose they consider me at a higher risk, although I don't know if it would be much cheaper if I'd never had it.
We will be paying a penalty for my lack of insurance. I don't really know how much it will be, but I've heard that the penalty is $695 for a year....Perhaps it will be less for us since I did finally have coverage by Sept. 1. Still, if you calculate it, it'll be nearly $500 for the penalty if they figure it monthly.
All I hear on talk radio is how many people will lose their insurance if Obamacare is dismantled. I don't want that to happen....but something needs to change.