You often imply I am not honest. Right now, I am going to be blunt with you. can easily do the math, our combined income is 33K.
We do not own a house, I had an 11K IRA. Those are our assets. Because of that small IRA, my husband does not qualify for a discount on his Medicare supplement. We have had to borrow against that just to pay rent, so, there was a chance we could save a bit on premiums for him in 2020.
He is on SSDI, so, receives Medicare. That is $124 per month premium that just comes out of his $1000 monthly SSDI check.
Medicare pays 80% of medical bills. When one has such intense Cardio Vascular disease, his LVAD alone was a quarter of a million dollars, his heart transplant will be far far far more. Upkeep is expensive as well.
In our state, you cannot have Medicaid as a Medicare supplement, state law.
The Medicare supplement costs $700 per month. His Prescription drug coverage is additional, honestly I paid it for a year and cannot remember that cost. On top of that, our copay for his medications is $240 per month.
We needed to raise $10,000 cash before we could be approved for the heart transplant for charges that no policy cover.
This is reality.
I have group coverage that is deducted from my check, I can see my PCP for $20 so I can get basic med stuff. My complex orto and neuro issues due to an aging body with a rare from of dwarfism, however, requires out of network specialists many hundreds of miles away. Even to get an MRI $500 out of pocket, I cannot afford that. I am losing use of my right arm and my legs.
This is reality. The things they tell you on TV/Blogs do not match the reality I, and so many of our friends, live in.
My husband died on Friday morning, so, this month I can spend the $700 on funeral expenses.
I will be an activist for medical reform until the day I die. My husband spent his last 4 years of life worrying about money.
He holds university degree, full ride scholarship, my ACT scores were one point away from perfect so I had a full ride pretty much anywhere I wanted to attend. I have worked literally full time since I was a teen, and as a child worked in our family business.
Back when I was making 100K per year I was not paying 54% of my income in taxes, so, I cannot fathom that now, as a low income person, I do not believe my taxes would increase to something comparable to 54% of my income for universal health coverage.