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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