I saw a question about universal health care and it made me wonder how many of you realized this?

Question

Your company's high deductible plan is a great solution to your problems - and it already exists! Your company just doesn't tell you about it because it's a FREE plan, that's right - NO monthly premiums. you get the same discounts as people with a PPO plan, only you pay nothing. Your deductible is $2200 a year per person, family plans are an even better deal if you have 3 or more people participating because there's a household cap. Traditional PPO requires a $2000 medical and $1000 prescription deductible - totally separate from each other, where the high deductible plan is combined.
Again NO monthly premiums, same benefits as PPO's, same doctors, same choices. How do you pay for this if there's no deductible? You can enroll in a government savings account - again, free of cost, tax-free even! You earn interest on the money you don't use, and you can keep it for the rest of your life. You get a debit card so you have instant access to your money. You can save up to the deductible..

so there's literally NOTHING coming out of your pocket.
Do we still have excuses for not having health insurance? I think FREE is pretty darn affordable. What do YOU think?

This plan is offered by EVERY company - it's probably referred to as your high deductible plan. They HAVE to offer it to you, they just rarely ever explain it to anyone because then they can't collect premiums from you.

Please, pass along this information to everyone you know. Don't allow them to pay any more for insurance than they have to. Call an independent insurance agent and just ask them to explain this plan to you, and ask for their opinions. You can't beat free!
I have roughly $90 taken out of my check before taxes (I get paid every 2 weeks) and it covers everything. I just pay the doctors from my debit card. The only downfall is if you have high expenses at the beginning of the year, you have to pay them out of pocket and reimburse yourself later OR pay the doc as funds are deposited into your account.
My deductible for the year has already been met, so every doctor visit & every prescription I have filled is completely FREE through the end of the year. I've NEVER met my deductible through the PPO plan I'd always joined, and it seemed like they always found some reason to deny my claims. This has not been an issue for me since I joined this high deductible plan.

In my case, I had surgery which ate up my entire deductible. Because I'm depositing the $2200 into my account evenly throughout the year, I just make payments to my doctor as the money is put into my account. It's like any other credit/debit card in the fact that you can't spend more than you have.
Doctors don't charge interest for having a balance with them, and they don't send you to a collection agency if you pay them regularly. Just something to think about.

Actually the deductible is $900 a year LESS than the traditional PPO - just an FYI

Answer 1

Yes I knew about this. My company offers it but I went with traditional health insurance. I am glad I did because in the last three years I have amassed over 60,000 dollars in medical bills and all I had to pay was $1800 of it. But for someone who is young and healthy this is a good option for them.

Answer 2

I think this is an excellent solution to part of the problem. This still doesn't help the unemployed, self employed, retired, disabled or the people who have just started working for a company and are in the probation period. I truly believe that universal health care is the way to go. A universal healthcare plan would ensure that EVERYONE had insurance and received the care they needed.

Answer 3

Every Insurance Co. offers such a plan.
The deductable is high but you have great coverage and it's affordable.

Answer 4

What you didn't say is what this plan is. Where and how do we sign up? Do all companies know about this??

Answer 5

I will certainly look into this.