In January, my insurance rates are going up almost 50%. I realize that every year healthcare costs go up but this is absurd. My insurance company has no documentation to justify this high increase. There is no way medical costs have gone up that much. However, as I question my insurance company, I'm getting bills from my doctor for services that were never performed. "Extreme Study Comp" $640 "Prolonged Office Visit" $400 for an hour long visit. The healthcare industry in our country is so far out of control. I am beyond frustrated and looking for suggestions on how to get my own out of pocket expenses to a more manageable range. I was hoping to go on a pump this year but given the high cost ($2800 to start & $750 every 3months for supplies) there is no chance...

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Comment by Randy on October 31, 2011 at 2:37pm
18% here. It is frustrating. The problem is MUCH bigger than the insurance companies though. We often forget how highly regulated they are and they are required to maintain cash reserves to cover potential liabilities among other things. No, I don't side with them and I like them as little as anyone else, but they are more of a symptom than a cause for the sky rocketing costs. Remember any insurance is just that. It is there to limit your loss, whether it be health, auto, life or home. You are placing a bet that you will use more than you pay for. If that happened with all of their customers they would not be able to make all the pay outs. The government would shut them down. The only way to control insurance costs is to control medical and legal costs, including drugs.
Comment by SEAGATOR on October 31, 2011 at 4:49pm
Brian thanks for your earlier message and good luck on the NYC one. My town in MA just pit all retirees in the State plan which sucks...effective 1/12. I will be put in a plan called UNICARE. Will that be accepted in Florida? I have MEDICARE but this my gap. I just heard it costs an employer $12,000 for one employee. Obama will find them if you do not offer insurance. $2000 so they will pay the fine and save $10,000 and the employee will go into Obama's health exchange. Good Luck you know where I am. Reed

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