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Well, let's see.
I have united healthcare. My doctor is on the ground floor of the building I live in in NYC. I call up and make an appointment. I pay my $10 copay. My doctor will come upstairs if I'm not well enough to go downstairs, something you mentioned as "housecalls." I pay approximately $300/month to cover me and my spouse.
My prexisting condition is asthma. I copay about $600 for my meds.
My father told me some words of wisdom growing up:
"Things cost money, there is no such thing as a free lunch. You'll need to make your own way in life since no one will be there to pick up the slack for you."
I have a friend who's daughter is dying of cancer. She is spending about $4,000 on medical expensives every month. She's sold off her homes and used up all her retirement.
Life sucks sometimes. period.
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