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Author: shirehobbit Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 308478  
Subject: Want to Remain Debt Free in 2014 Date: 1/22/2014 9:25 PM
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Hullo Fools! I'm back! I'm not in trouble and I wish to remain that way.

Some of you will recall that I paid off 44k in credit card debt back in 2007. Last year I decided to have my numbers run to see how much I'd qualify for in regards to a mortgage. 130k, which is pretty good considering I've never owned a car or a house.

The last time I posted was last year after my February procedures for carpal tunnel and trigger figure release.

I'm posting today because of my new health plan coverage. I feel like only the poor and the rich can afford health coverage these days. My plan is killing me.

I was a member of Kaiser HMO for 30 years! 3 weeks before 2014 my employer emails us that they are dropping Kaiser as an option for 2014.

Welcome to the world of PPOs! Due to chronic diseases and conditions I have to replace 5-7 doctors.

I tried to keep my old HMO but it was impossible. I couldn't afford the individual plan. Turns out I qualified for federal assistance but because my employer offers insurance that disqualifies me. Catch-22 situation.


So my new PCP refers me to an ortho and sports medicine clinic. I look them up and learn they are not in network. But I thought PPOs meant you have more choices than a HMO. Yes, but they are not all affordable choices.

So I also learned today that I have a 1k deductible for in-network P.T. and a 3k for out of network P.T. My HMO had co-pays for P.T.

So I called the clinic to see how much an evaluation would cost me -- $500.00! *gasp*

What the heck ever happened to healthcare plans that one can afford?!

I know what I need to do, start putting money aside each paycheck for healthcare costs. No, we don't have health savings accounts.

I still haven't learned how to keep my mitts off money in an E-Fund.

Shire
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