Gentle Readers . . . and Maxwell,
In my post on Monday, I invited you to guess how much I'll have to pay for my 2018 health insurance that I have because of the Affordable Care Act. Most of you said you had no idea how much it would cost, but I saw a couple of guesses for around $500 a month. I'm happy to say that it's not nearly that expensive.
For 2017, I've had a gold plan that cost a little more than $400 a month. It had a low deductible, which I thought was a great idea, but it didn't help me much. I didn't reach my maximum out-of-pocket expenses until the end of November. I've gotten to fill a few prescriptions for free, but that's it––unless I manage to break a bone or get sick before the end of December, which I don't intend to do.
I decided to try a different tactic for 2018. I chose a bronze plan that has a higher deductible, but the co-payments for doctor visits are less than I've paid this year. The prescription plan is also good. I have one non-generic prescription that will cost some serious money, but that payment will be offset by the monthly premiums for the plan because my payment will be
Yes, you read that correctly. Zero. Zip. Nada.
Keep in mind that this health insurance if for me and me alone. I don't have a spouse or dependent children. It doesn't include eye care or dental insurance. I have to pay $35 to see my primary care physician, make a co-pay for prescriptions, and pay for any other treatments I receive, although all plans include certain basic service that are free––including mammograms.
Of course, I'm on a fixed income, too, and I have to live with the constant fear that the Republican congress, led by the president, will take away my benefits.
I still hope to get the job. I'll let you know when I hear about it.
Infinities of love,