We are a commune of inquiring, skeptical, politically centrist, capitalist, anglophile, traditionalist New England Yankee humans, humanoids, and animals with many interests beyond and above politics. Each of us has had a high-school education (or GED), but all had ADD so didn't pay attention very well, especially the dogs. Each one of us does "try my best to be just like I am," and none of us enjoys working for others, including for Maggie, from whom we receive neither a nickel nor a dime. Freedom from nags, cranks, government, do-gooders, control-freaks and idiots is all that we ask for.
Help me with the math here:
If my new premium is $416 and I have a $5000 deductible ($9992 annual), does that mean the insurance company is really only liable to $24980 of bills, 60% being $14988? Or even less because the premium "doesn't count"?
This is the part of this whole problem, actually on the other end, which Nobody is explaining. You get really sick; just where does their responsibility to pay stop? $400,000 in bills, they're only on the hook for 60% ($240,000)?
Anybody have some answers?