For those with insurance, what % of your Med. cost do you pay.

[edhopper]

I seem to pay around 50%, and this is even after my deductible.
I have a few medical conditions, nothing serious, that requires me to see several Drs more than once a year.
Mainly for check-ups, tests and keeping my prescriptions active.

It goes like this, the Dr bills around $500 for exam and tests, the Insurance company says they allowed to charge $300 and then pay $130-150, I am responsible for the rest.
Sometimes it's more, sometimes less, but on the whole I'd say it's around 50%, AFTER the deductible is met.
It's employer based, so I can't change it, and any affordable Obamacare would be more out of pocket.

I am not looking for advice, just moaning and pointing out how screwed up the system we have is.

[Hoyt]

1. Are you sure you are going to an in network doctor?

If you've hit the deductible, most plans make the doctor write-off the difference between the doc's inflated charge and the allowable. Then most plans pay 80% or so of the allowable, leaving you responsible for 20% or so co-insurance. Some have co pays like $25 and that's all you pay for routine doc visits.

[SickOfTheOnePct]

2. I was just going to ask this exact question

For in-network doctors, I've never had to pay more than 20% of the allowable amount (once deductible is met, of course).

[edhopper]

10. Yes

they are all in network.

[whatthehey]

3. For 5 fairly common meds I pay total about $80 every 3 mo refills

No idea what stickerr price is. BP and cholesterol stuff nothing exotic

Doc visits are covered fully assuming they are regular checkup/physical. Labs also in network.

I don't quite have gold-plated coverage but it covers the mainstream stuff well. Of course it costs me about $270/mo for two people employee portion as well.

But yes the system is screwed up. Healthcare should be from general taxation like other rich countries do.

[dixiegrrrrl]

5. I am low income and on Medicare.

I pay an annual deductible of 147.00 ...that may increase year to year.
then I pay 20% of the Medicare allowed service.
That is NOT 20% of the dr. billing, it is 20% of what Medicare allows the Dr. to charge me, which is lower than the "normal" dr. billing.

One dr. charged my too much and Medicare got the overcharge back to me via a check.

This is for outpatient services, which include dr. coverage (even in the hospital) and labs and tests.

For meds, I pay out of pocket, my BP and other meds are generic, at my insistence, and I get a 90 day supply for 10.00 for each script..
so very little cost.
Last 90 refill I paid 45.00,for 4 meds, that included a additional med I needed that time.

My only complaint is that by the time I use up the deductible, I have gotten all the dr. visits I need a year.

Insurance companies loved Obamacare so much they wrote the law.
And my Dr. increased his office visit charge by 100% a week after the law went into effect.
Which I have to pay out of pocket for my deductible.

I believe we need single payer, ie: Medicare for all.

[RebelOne]

7. I also have Medicare which pays 80% of costs.

Thank goodness for Medicare, since I had to have cataract surgery last year and could never have afforded it otherwise. Then after paying through the nose for prescriptions, I decided to get Plan D that covers prescription medicines.

[mythology]

4. In terms of what the company picks up

I pay 15 percent and they pay the rest. Last year I had a major surgery and a minor surgery so I paid my max out of pocket of 3k on top of my premiums.

But when compared to the 150k the combined surgeries would have cost, I can't complain.

Plus I really can't put a price on becoming my own evil clone. It makes the super villainy much easier.

[seveneyes]

6. So far, about 10,000%

They have many times more money from me than I have received from them. Thankless they are.

[ScreamingMeemie]

8. $25 copay. 20% of anything above routine

[NightWatcher]

9. I have Medicare and a decent Part B. I get my drugs CHEAP

I have 0 deductible and so far have not problems with a donut hole.

Methotrexate was running me over a hundred when I was cash self pay, now it's $5 a month.
Plaquenil was over $200 a month before, now I pay $4

The savings covers what I have to pay in insurance and then some.

Thanks a lot Obama. No, seriously, thanks.