How High Is Your Deductible?

The Affordable Care Act was supposed to make health care more affordable, right?

Is your healthcare more affordable today?  

Let me ask you, how high is your insurance deductible?

… $3,000, $6,000, or even $13,000…

The deductible is the amount that you have to pay out of pocket before your insurance kicks in.

You also pay the premium, which is the amount that you pay every month.  

So let’s say you have a premium of $1,600 and a deductible of $6,000.

That means $19,200 ($1,600 X 12) for the year just for the premium alone.

That’s without seeing any doctors, or going to any hospitals. No healthcare.  Nada!

But let’s say your daughter sprains her ankle one day while playing soccer.

You take her to the ER, where you wait for hours to see a nurse practitioner.

They decide to take an X-Ray to see if there is a fracture.  Luckily you discover it is only a sprain.

Three weeks later you receive a hospital bill in the mail.  The charge is $3,782.47!

But your deductible is $6,000.  You have to write a check for the full amount.

Add this to your premium payments and you are up to $22,982.47 for the year.

Perhaps the only good news is that you only have $2,217.53 left until your reach your deductible.

There are much more affordable options, but no one is telling you about them.

You see, my family decided to drop insurance all together.  Why?  Because we found a better and more affordable option.

We discovered and joined a medical cost sharing community that is 100% exempt from Obamacare. No IRS fines, fees, penalties. No hassles.

We share only $450 a month for our family of four.  We are responsible for the first $1,500, and then the community pays up to $1,000,000 per incident.

No trick, gimmicks, or small fine print exclusions.

But that’s not all!  We can go to any hospital or doctor in the world.  Zero network!

Plus doctors love it.

Stay tuned and I’ll tell you about this incredible community that wants to share my healthcare expenses.

And I know they want to share with you as well.

Jud Anglin

Founder, Patient Advocate Partners

P.S. You comments are welcome.  JudAnglin@patientadvocatepa.com