3 ms·
She does have insurance, and it's great insurance. The treatments are just so specialized that the bill, after the insurance does their "work", is still anywher
by twoodfin 13y ago
She does have insurance, and it's great insurance. The treatments are just so specialized that the bill, after the insurance does their "work", is still anywhere from $10k to $50k.
That is not "great insurance". I am not a big fan of PPACA, but every single one of those plans has an annual out-of-pocket limit on costs (~$6,400 per individual, twice that for a family). My out of pocket limit on my (excellent) BCBS PPO is $500 + minimal copays.
Now that preexisting conditions are no longer a barrier to changing plans, you should shop around.
- lwan 13y agothere is no way in hell she's getting a better plan while having a terminal illness.
- twoodfin 13y agoUnder PPACA, as of this year, there's something called "Guaranteed Issue", which means that if you offer an insurance plan at a particular rate, you have to give that rate to everyone, and accept anyone who will pay it. The only variables that can go into the rate calculation (AFAIK) are age, a community rating, and whether the applicant is a smoker. She should get on her state's or the federal exchange and find a plan that includes her doctors. If she's seeing top flight specialists, that might be expensive, but it will be much cheaper than "$10-50K per incident". I am surprised to be shilling for Obamacare, but there it is!