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Edited on Fri Dec-09-11 01:30 PM by Mass
Getting nuts with my son's insurance. Remember we live in MA, one of the states that is the most favorable for insurance's customers, and that has a mandate and cannot refuse people due to preexisting conditions.
My oldest son is in college and is on the insurance college plan through Aetna, He pays about $2700 a year, and increase of 25 % from the previous year (He is a 22 year old student with very limited revenue, and health insurance is mandatory in MA).
Up to last year, it was very worthwhile. Aside from a $200 deductible, nearly everything was covered 100 % for their preferred network, which is very extensive. At the beginning of the year, they changed their policy and there is now a 15 % copay for their preferred network, 25 % for their non preferred network (aside from a deductible that is now $250). As his university is in a very rural town, he usually does the medical checkup he needs to do during recess (aside an emergency). So, now, we have to go through various hospital department to get the codes for each department in order to get the appropriate referral from the college doctor (he has a very rare medical condition, so all the primary care doctor does is to give the referrals, but the insurance will not accept a referral from the specialist that has been following him since he was 12). Let's just say that it is a pain and even after all that, we will still pay about $400 just for preventive care. Sorry, but I want socialized medicine. In addition, he cannot really change doctor because he will have to educate his doctor about his medical condition (last new doctor he saw had to read about it from the internet).
Just venting, but for those who do not get why ACA, while a progress, still leaves so much to fix, this is a good example.
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