|Company||Plan Type||Deductible||Co-pay||Office Visit||Monthly Payment|
|BCBS TX (Hospital Only)||PPO||$5,000||20%||Not covered||$195|
|United Health One||Network||$10,000||20%||Not covered||$279|
|BCBS TX (Select Saver)||PPO||$5,000||25%||25% after deductible||$317|
|United Health One||Network||$500||20%||$35||$1,478|
|Celtic||Indemnity||$500||20%||20% after deductible||$1,525|
I don't think that either my wife or myself would ever be picked up with any of the companies that I have listed or the rest that I did not list. Even though I had cancer over 16 years ago and am considered "cured" most insurance companies would consider it a "pre-existing" condition. Then there is my wife, she has numerous pre-existing conditions. Several years ago she had one of the "most treatable" Thyroid cancer's and has a 5 year cure rate(she is 1 year short), Fibromyalgia, Chronic Fatigue Syndrome, Anemia (they have still not found the cause of), Pre-Diabetes due to Polycystic Ovarian Syndrome and Hypocalcemia due to surgery for the thyroid cancer. With all of that I doubt that anyone would write a health insurance policy for her. With my wife, she has three doctors that she has to see every three month which winds up being average once per month. Then during the school year when our youngest is in school she is at the primary care doctor every month to every other month. Most of her medications are fairly inexpensive but, there are so many the cost will add up without any type of insurance.
No matter what your views are on President Obama's health care reform, something desperately needs to be done with the US health care system! The way that the system is currently set up is not working. Our oldest child is married and her and our son-in-law both have good jobs with health insurance. But, their problem is that for the most part they don't get sick very often and never seem to make their yearly deductible. So, most of the time they wind up not going to the doctor unless they can not get rid of their cold or virus and then pay 100% out of pocket since the deductible has not been met. At this point I am just completely disgusted with all of it.