General Discussion
In reply to the discussion: It's not 3 dimensional chess. It's a kick to the gut. [View all]graham4anything
(11,464 posts)Our insurance a few decades ago was from corporation very cheap
Then went into other things first took CobraServ after that ended, we kept the same policy,
but now on our own, and every year after it went up 15% (Aetna).
So the old Aetna mont ly cost is just the normal 15% upward, compounded yearly.
As the years went on, with this and that we now had things that wouldn't be insured had we left so we were forced to stay with what we had.
Last year we tried to move and again found we could not move and get unlimited lifetime cap and have preexisting conditions covered.
This year (our policy yearly ends at this time of the year), we again needed to look into it as we couldn't afford it and found we could switch as we did to Horizon.
NJ and NY are two of the most expensive states, but some of the companies are in advance doing things that others will be forced to do next year at some point.
But at least in our family, we have to have insurance and can't not have it.
On Aetna, we had the lowest possible (so the $3100 figure is the lowest (A level) amazingly it rises to $9000 (and that's monthly) if one wants the cadillac plan, with the only other option being a bare minimum with a cap of less than $100,000 which if one has a major illness, is used up in the first month alone.
And there were other companies we looked into that hasn't yet changed their policy, so those companies were out.
It may take a number of years, but the system as it is can't remain this way and IMHO probably in the next decade what people wanted four years ago will happen (corny as it is, if we move forward, not backward). Either that or everyone will have to move to the states that on their own (like Vermont/NY/NJ) that have a better system and one that will even get better.
Just wish I discovered wellness years ago, over doing nothing for too long and having it catch up to me last year.
Guess we will all see what happens as 2014 rolls in.
What Aetna needed was more levels than the 4 they offered. But they had no catastrophic insurance for a cheap price.