Guaranteed Healthcare

Even with medical insurance at work, the costs of medical care is way out of my budget. It seems our insurance costs keep rising and our deductible along with it. For example say our deductible is $500 then we pay "sometimes" 20% depending on procedure and if it is covered. You have to be a lawyer to figure out the wording. Then there is the RX coverage that depends on what "tier" you are on what the insurance carrier and company will cover, so you have to be a detective to find out what RX you can actually afford, and by the way, that is not the newest RX that may actually cure you. . . . It is a nightmare. So, I avoid the Dr. office whenever possible. I know this is not good. Preventative medicine is better in the long run, but the costs are to high for the average person. I will be retiring in about 6 years, and that has me very worried.