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It is done

After three application attempts, numerous phone calls, several on-line chat sessions and tripping my way through a muddy website that leaves one asking more questions than is necessary, I finally – finally! – have a health insurance plan under the Affordable Care Act.

Did I save any money? One dollar per month. I could have saved more, but I chose not to use all of the subsidy I qualified for because the way it was calculated was a bit murky. I reported our income, but can't report what we might withdraw from our retirement account. To be on the safe side, I stuck with a premium I know we can handle (the current amount).

Did I get better coverage than what my current policy offers? VASTLY better. A slightly lower deductible, much lower out-of-pocket costs, no limit on benefits and reasonable co-pays.

My old policy was limited to $1,000,000 in benefits and I still had to pay full price for office visits and diagnostic tests.

Of course, since I'm one of the healthiest women I know, I'm still going to
  1. be lining the coffers of the already profitable insurance company,
  2. not meet the annual deductible amount, and
  3. pay cash for the diuretic I take 2 to 3 times a week, since it costs less than the Rx benefit.
Oh, well. I've long said health insurance is really wealth insurance: A way to insure you don't lose everything due to an accident or illness.

There's absolutely no reason anyone should have to go through this. We need single-payer, Medicare-for-all. PERIOD. Maybe someday …

If you don't know what I'm talking about OR why we need it, take the few minutes necessary to watch this video. And then share it, won't you?

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Kitten with a Whiplash, who left two comments and it was the second (which had nothing to do with the contest) which won the prize. Congratulations, and since the Kitten was the only commenter who expressed any interest in actually winning it, I'm so glad the Universe took care of it. Heh.

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