[hoyt-clagwell]

Just got notice of 1/1/11 increase — NINETEEN PERCENT per month! That’s what CA allowed. That means $600 per month for one person, not counting co-pays and charges not covered by ins. Such a deal! I’m dropping the policy; will go uninsured — will pay docs cash at reduced prices — all docs do this — so do hospitals —it’s super expensive, sure, and a big risk, but what the hell! If I get so sick that I spend every dime I’ll just spend until there’s nothing left and I get FREE care like the legions of uninsured who are the ones costing the rest of us our life savings anyway. I don’t need to leave anything to anyone in my ‘will.’ Screw it. I am SO disgusted.

Based upon your $600 month premium sounds like you are not Medicare eligble as of yet. Why not increase your deductible to say $10,000 and self fund the small stuff?? That way you are still covered for the catastrophic stuff.

[CaliforniaCon]

RE: “Based upon your $600 month premium sounds like you are not Medicare eligble as of yet. Why not increase your deductible to say $10,000 and self fund the small stuff?? That way you are still covered for the catastrophic stuff.”

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This is California. I have talked to multiple brokers and companies themselves and found nothing with a deductible above $7,500. Plus, no matter what, age alone means ultra high premiums. And there is no ability to purchase across state lines. Only Medi-Cal would work for me and I have to much money. The state ‘high risk’ pool ( I take cholesterol drug and that alone puts me in high risk) has a very long ‘wait list.’ Neighbor’s daughter is 25 and gets once-a-year cold sore on lip and SHE was rejected outright for her own policy ). CA is a TOUGH state to deal with, unless one is a vagrant or welfare queen — they get fabulous healthcare.