General Discussion
In reply to the discussion: These two things have devastated our culture and we have descended into madness. [View all]Hugin
(33,222 posts)This was a student plan offered by the university.
It covered everything including vision, dental, short and long term care. There was rarely any charge outside of the premium. Which again was affordable for a single full time student. I do remember there was a $150 a year mandatory rider to cover maternity and child birth. Which I groused about and dutifully paid. Oh, and zero deductible.
Then the nickel and dimes started. Vision, dental and care were peeled away and made entirely separate options with corresponding costs. Some coverage was entirely done away with to be covered by a HSA which ate into eventual SS payments then deductibles and co-pays were added.
To the point that the 20% the patient is responsible for pretty much covers the actual costs of medical care received and 80% seemingly disappears into the system. 80% is a hunk of change. It is argued this 80% is used to cover the costs of uninsured patients and research. This doesnt seem fair.
So long story short the frog has been boiled slowly until it is indistinguishable from broccoli.