We have blue cross blue shield of louisiana group benefits thru the state, hubby is a professor at the university here.
WE pay a small monthly premium less than $200 (we were paying almost $500 a month)but have a large deductible.
$4,000. (max out of pocket is $10k then %80/20 after that)
So I pay the contracted rate for my meds out of pocket, not bad about $65 a month so much lower now that geodon has multiple generics. and I pay for my psych doctor $95 if I am stable and only requires a med check every 3 months.
WE also have a health savings account so things can be paid thru that account that is tax deferred which is great!
The low premiums are fantastic until some one gets sick.
then look out!
So far we have been fine.
bizi
18 years ago I was living in Arizona, took myself off meds and got manic/psychotic. Did not have any insurance at the time. $10,000 hospital bill that I paid on for10 years. at least still had a balance but they changed collection companies and I was getting harassed so I finally just paid the whole balance off.