Does anyone have any experience with a HCSM? I am looking into one as my premiums are over 1,800.00 monthly with 15k deductible annually. I just can't see paying that kind of money year after year with no claims. I am hoping that someone has experience using these.
Thank you for your input, I appreciate all of you sharing and caring. You are a pretty groovy bunch of folks.
We are not on Medicare and my husband will be eligible several years before I am, so I am looking at options. Oh by the way, there are no cheaper options with mainstream insurance companies, if we changed we would be paying more. We are retired and cannot get group plans.
This is what happens when insurers can not mitigate their risk.
This makes me so happy that my husband was a Union man. No, Unions are not perfect but my husbands has taken care of him in retirement. And I realize that it may not last but for now, I am happy. We r both on Medicare too.
No one should have to pay this much for healthcare.
www.wellnessmama.com/395133/samaritan-ministries
It sounds like an intriguing concept, but with definite drawbacks to consider, as well.
Good luck!