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re: Cost of health insurance?Posted by yellowfin on 1/29/15 at 7:49 am to GetCocky11
By middle class they mean poor
re: Cost of health insurance?Posted by HeadyMurphey on 1/29/15 at 8:03 am to Casty McBoozer
Your health is irrelevant if you are on a group plan. Do you work with a bunch of unhealthy people? It is all about the group as a whole
re: Cost of health insurance?Posted by tiger91 on 1/29/15 at 8:15 am to Casty McBoozer
We pay almost $700 per month for a family of 5 ... although it would be the same price if we were a family of 3 or 4. BCBS of LA, individual policy, grandfathered in and not under Obamacare. It's expensive.
We have the high ded with HSA; 5600$ ded and $10K max oop. Sucks really but if we make any changes at all we'll fall under Obamacare and then premium would probably be higher.
We're 45, in good health, no weight issues, no smoking; I have to say the past 2 years we've met our ded (only did this 1 other time in 17 years of having the policy) and BCBS was very good to us ... our premium went up but ever so slightly.
We have the high ded with HSA; 5600$ ded and $10K max oop. Sucks really but if we make any changes at all we'll fall under Obamacare and then premium would probably be higher.
We're 45, in good health, no weight issues, no smoking; I have to say the past 2 years we've met our ded (only did this 1 other time in 17 years of having the policy) and BCBS was very good to us ... our premium went up but ever so slightly.
This post was edited on 1/29 at 8:20 am
re: Cost of health insurance?Posted by sjmabry on 1/29/15 at 8:17 am to Casty McBoozer
quote:Join the military then...but yeah, that shite is crazy expensive. I carry myself, and my family, and the cost is enormous...
This is just baffling to me. Is there no end to the rise in cost?
re: Cost of health insurance?Posted by WeeWee on 1/29/15 at 8:20 am to Casty McBoozer
quote:
his is just baffling to me. Is there no end to the rise in cost?
My company is supposedly paying for half of my health insurance but I'm now paying $300/month. 35 years old, completely healthy, my medical bills are $0.00 every year. I do not have any need for a doctor. I have insurance in case of an emergency, but I feel like I'm paying more than I could ever use.
$600/month for a single healthy person? Explain this to me. How could you even accumulate $600/month in medical expenses?
1. At 35 so should be getting a yearly physical. If you pay for it with cash it should cost less than $50
2. Drop the company plan and get a high deductible plan and open an HSA
re: Cost of health insurance?Posted by pointdog33 on 1/29/15 at 8:27 am to Casty McBoozer
Well I was a healthy never sick type of guy until I got mono last year. Had to go to the doctor 5 times in a month get labs 4 times and then had a 1 in a million auotimmune skin disease that took 4 biopsies to diagnose.
After all that I paid a total of $200 for a biopsy because I had so many done. If it hadn't had been for the rare skin thing I would've come out with no bill for all those visits.
In a blink of an eye your health can turn.
After all that I paid a total of $200 for a biopsy because I had so many done. If it hadn't had been for the rare skin thing I would've come out with no bill for all those visits.
In a blink of an eye your health can turn.
This post was edited on 1/29 at 8:28 am
re: Cost of health insurance?Posted by Hopeful Doc on 1/29/15 at 9:28 am to lsunurse
quote:
This thread reminds me that I need to find a new primary care physician. Insurance at work changed and my previous one not in network anymore
Family practice best route to go?
FP and IM are roughly equivocal in terms of taking care of adults. It's more about the physician and personal relationship you have with them. In a major medical center (there's a Peds unit or hospital that you work in if I'm not mistaken, leading me to assume you're in at least "not a small town"), you're more likely to see separation of inpatient and outpatient docs. Typically, but not always, FP is more likely to only work outpatient. IM is more likely to practice traditional or only inpatient. In any non-rural area, we are basically past the point of FP actually delivering babies. Both internists and FP can usually take care of women's health (contraception should you choose it, breast exams, Pap smears), but none of them really deliver, so it's probably better to have an OB/GYN if you're between 21 and menopause. So I'd pick just whoever is closer and you like. Picking one who only does outpatient is slightly more likely to be "on time," but there's no guarantee. The real plus about FP is, should you choose to have kids in the near future, you can set them up in the same practice.
So FP is fine. Med and med/Peds are great, too. If you are in a rural area, usually the FP guys are really good. But in any major city where they don't practice OB, you're just as good off with an internist.
re: Cost of health insurance?Posted by Hopeful Doc on 1/29/15 at 9:52 am to yellowfin
quote:
I was seeing an internist annually, he told me there's no reason for him to see me evey year unless I had a problem or questions for him.
I'm the same age and health of the OP
There's a bit of a difference between not seeing one every year by his direction (you were seeing him and he deemed you healthy enough to see you as needed.( You're established. You could call his office for advice or medicine in an acute situation and he'll probably see you back in 3 years or so for routine bloodwork) and not seeing one at all. In all likelihood, he is probably as healthy as he seems. But it sure would be a shame if he had some crazy underlying disease process lying indolent. It's not a money grab. Most doctors genuinely care for their patients both medically and in the financial impact they have on them. They don't like seeing you back more frequently than they need to, and they take great care not to prescribe meds when they're not needed or if they're too expensive. If the description above doesn't fit your doc, I'd see a new one. But I would make sure I was in good health before not seeing one.
re: Cost of health insurance?Posted by Wayne Campbell on 1/29/15 at 9:57 am to Casty McBoozer
quote:
How could you even accumulate $600/month in medical expenses?
Pretty easily, actually.
quote:
My company is supposedly paying for half of my health insurance but I'm now paying $300/month
Maybe you should take another look at your company's health care plan. I'm in the middle of a two month window between my last plan being cancelled and starting on company insurance.
I'm 28 and single and pay $220 a month.
This post was edited on 1/29 at 10:00 am
re: Cost of health insurance?Posted by lsucoonass on 1/29/15 at 10:02 am to tankyank13
so you are promoting socialism (socialized health care)
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re: Cost of health insurance?Posted by lsucoonass on 1/29/15 at 10:05 am to sjmabry
yeah health care is generally free, or the guard or reserve offers tricare at a reasonable price
re: Cost of health insurance?Posted by lsu480 on 1/29/15 at 10:09 am to Casty McBoozer
I'm pretty much the same as what you described, I am a year older, and I only pay $239 a month for the best platinum plus plan on Obamacare and that is with zero subsidies. I did price my plan in other zip codes in La and Ca and it was almost double there so I guess I am lucky to live where I do.
re: Cost of health insurance?Posted by Isabelle on 1/29/15 at 10:17 am to Casty McBoozer
My husband was healthy. He exercised 7 days a week. Did not smoke and did not drink alcohol. Little to no fat in his diet. He had a heart attack requiring 2 stents to be placed in his heart. He had no warning at all. Cost was close to $80,000. Insurance covered it.
re: Cost of health insurance?Posted by Wayne Campbell on 1/29/15 at 10:25 am to yellowfin
quote:
By middle class they mean poor
I made zero dollars last year, but didn't qualify for Medicaid, Medicare, or subsidies on the Marketplace.
This post was edited on 1/29 at 10:27 am
re: Cost of health insurance?Posted by Tigerpaw123 on 1/29/15 at 10:55 am to Casty McBoozer
quote:
I exercise every day
Oh, so you are at high risk for orthopedic injuries
re: Cost of health insurance?Posted by tankyank13 on 1/29/15 at 11:19 am to lsucoonass
quote:
so you are promoting socialism (socialized health care)
absolutely not
re: Cost of health insurance?Posted by Rebel on 1/29/15 at 11:29 am to Casty McBoozer
quote:
So I tell you guys I can't afford to live with my policy and your suggestion is to go pay for co-pays for no reason?
How much is the fine had you not had health insurance?
I don't know all the particulars of your plan, so the 600 dollar monthly cost doesn't mean much without deductibles, maximum out of pocket, ER visits, and co-pays.
For a guy that knows so much about IT and things most people can't comprehend, you always seem to be oblivious to how things like insurance work. Sure you may think your healthy today. But something like a mole turning into carcinoma could/would bankrupt you w/o insurance.
I do agree the rising costs are out of hand. But it is going to get much worse.
I'm on my company's BCBS plan. My family policy was just under $700.00/month. This year, my policy premium went to over $1300/month, and my co-pays and deductible increased. When I called the rep, he advised me that it was Obamacare that caused the increase, and family policies are catching the brunt.
That's a fact, and these people that supported Obamacare should be ashamed.
That's a fact, and these people that supported Obamacare should be ashamed.
re: Cost of health insurance?Posted by davesdawgs on 1/29/15 at 1:00 pm to Casty McBoozer
Thanks Obama!!
re: Cost of health insurance?Posted by Rouge on 1/29/15 at 1:03 pm to Casty McBoozer
you're going to need to get that smug checked
i look at it more like paying now to utilize it later, except that if you drop the insurance, all of your past payment mean a big fat zero
i look at it more like paying now to utilize it later, except that if you drop the insurance, all of your past payment mean a big fat zero
This post was edited on 1/29 at 1:04 pm
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