Annie
Not So Junior Member
Health club membership? Are you kidding? That's part of the reason for the Cadillac tax. Healthcare in this country has to get back to being about health.
Why should the taxpayer pay for your son's health club membership?
So, you're comparing paying $0/month, to paying a premium? What is his new deductible? Remember...we're discussing catastrophic policies
Cadillac? Hardly. He paid for any DR visits and meds out of pocket. The company paid for major medical coverage with $1000 deductible. Oh, no dental or vision coverage. It was one plan offered and one had to qualify for it. No smokers and had to pass physical that included non-stress test. Considering he was 23 and a long distance runner, he qualified. He had 0 premiums and the company contributed their 'average contribution towards 'med. insurance' benefit into a health account. He could use those money only towards paying Dr/dentist/meds/ and a portion of health club membership. Since all he ever used for Dr was annual physical, most of the money was rolled over to the next year. He had enough in that account to pay the deductible for 3 years of major medical if needed.
That is one type of plan that should have been included in 'reform.' Yes, he had a company paying for his major medical and using his medical 'benefits' contributions in a plan of his choice. Yes, he had to use a yearly physical to prove he still qualified for that very limited coverage, perhaps at 35 or 40 blood pressure would increase or BMI go the wrong way, or blood work, etc., they he would have to move to more comprehensive and have been paying for his contribution.