There are four of us on my insurance policy. It’s a good insurance policy, by all accounts. It’s certainly much better than not having insurance. Most of the time, anyway.
This whole H1N1 scare, though? If you’re following all of the CDC best practice guidelines if you think you’re exposed you should go immediately to a clinic and be tested and start on Tamiflu.
The Urgent Care clinic co-pay on our plan is $50.
Tamiflu is not one of the “preferred” drugs under our insurance plan and there is no generic equivalent. A 10 day regiment of Tamiflu, as a result, is $60 per person.
As such if all four of us were to go and get treated the total cost would be $440 dollars, and I’d only be able to recover half of that from my medical FSA due to the way the laws are written in regards to those accounts (because we are domestic partners and not married K. and J. can not have their expenditures reimbursed from that account).
How many of you have $440 dollars laying around right now without putting it on credit or having to make a decision between paying bills or going to the doctor? We sure as hell don’t.
This is why our system is broken. Yes, we have insurance. We still have to choose between paying bills or going to see the doctor if something unplanned happens.