- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
Is anyone else's medical insurance plan as crappy as mine?
Posted on 9/14/19 at 11:00 pm
Posted on 9/14/19 at 11:00 pm
My employer only offers one plan. It's a HDHCP and I'm covering the family with $6,750 deductible for the first person, whoever is the first to meet that that person is covered 100%. The remaining family must meet $10,000, then a 70/30 co-insurance kicks in until a max of pocket is reached of $13,500. Prescriptions don't count towards deductibles either!! Employer contribution is $1,000 towards HSA.
The premiums are $92.60, twice per month.
To me a plan constructed like this discourages you from even trying to use it. If something major ever was to happen to anyone my HSA will be wipped out completely.
The Mrs. and I are getting older and I would like for us to be more proactive with our health and checkups, but every time we go to the doctor, we (+ kids) get hit with bills for at least $200 per visit. My son recently got a wort removed from his finger and the bill was $300. shite is really frustrating because you try to build the HSA up and little routine visits take chucks out of it.
I'm just wanted to pose the question to see if there are generally better options out there with other employers or is what I have is becoming the norm?
ETA: Based on the posts I'm reading in this thread, generally speaking it will be kind of hard to find a new job and switch employers for the sole reason of attempting to lower health care premiums and deductible costs. Maybe working for a larger employer will decrease the cost? My company only has about 250 employees.
The premiums are $92.60, twice per month.
To me a plan constructed like this discourages you from even trying to use it. If something major ever was to happen to anyone my HSA will be wipped out completely.
The Mrs. and I are getting older and I would like for us to be more proactive with our health and checkups, but every time we go to the doctor, we (+ kids) get hit with bills for at least $200 per visit. My son recently got a wort removed from his finger and the bill was $300. shite is really frustrating because you try to build the HSA up and little routine visits take chucks out of it.
I'm just wanted to pose the question to see if there are generally better options out there with other employers or is what I have is becoming the norm?
ETA: Based on the posts I'm reading in this thread, generally speaking it will be kind of hard to find a new job and switch employers for the sole reason of attempting to lower health care premiums and deductible costs. Maybe working for a larger employer will decrease the cost? My company only has about 250 employees.
This post was edited on 9/15/19 at 7:02 am
50
Posted on 9/14/19 at 11:02 pm to Hammond Tiger Fan
Yeah that's pretty sucky
Posted on 9/14/19 at 11:04 pm to Hammond Tiger Fan
Nope. Your plan is the worst on the planet. People dying of easily preventable diseases in the third world are like "shite, Hammond Tiger Fan is frickED".
Posted on 9/14/19 at 11:06 pm to Hammond Tiger Fan
Better off self insured oh wait that’s illegal
Posted on 9/14/19 at 11:06 pm to Hammond Tiger Fan
So you pay $180 or so per month.
We pay more than $900 for $5600 ded (all of us go towards one, including medicine). Our 80/20 kicks in after we meet $10k out of pocket.
We’re not sickly although we’ve had surgery a couple of times but we were fortunate to have an HSA to cover the big chunk. We don’t tylically use the HSA for doctor visits (walk in clinic, etc).
We’re both self employeed so not many options out there that will be less expensive. To have a plan with copays was way more expensive when we priced it.
We pay more than $900 for $5600 ded (all of us go towards one, including medicine). Our 80/20 kicks in after we meet $10k out of pocket.
We’re not sickly although we’ve had surgery a couple of times but we were fortunate to have an HSA to cover the big chunk. We don’t tylically use the HSA for doctor visits (walk in clinic, etc).
We’re both self employeed so not many options out there that will be less expensive. To have a plan with copays was way more expensive when we priced it.
This post was edited on 9/14/19 at 11:09 pm
Posted on 9/14/19 at 11:07 pm to Hammond Tiger Fan
Not to be disrespectful but are you sure one person has to meet that large ded??? Sure not everyone goes to that one???
Posted on 9/14/19 at 11:08 pm to Hammond Tiger Fan
A few years ago my deductible for family plan went from $500 to $4,000. Prescription from $250 and $7 once you meet deductible to $2,000 and once you meet deductible 20%. Dental went from 2 free cleanings a year to one and any procedure outside cleaning all out of pocket. My premium went from $110 a month to $205. We do have a $4,000 HSA but with 6 people and stuff like wisdom teeth, wife’s surgery, etc gets wiped out quick. Wife and I both got flu this past February. I came down first and it was a $330 bill for flu test, wife got sick and went and got tested and another $330 bill. She should have stayed her arse home 
Posted on 9/14/19 at 11:10 pm to windshieldman
Last time one of us had the flu I asked for refills on the tamiflu as the likelihood of someone needing it was pretty good. They wrote for refills which saved us an office visit.
Posted on 9/14/19 at 11:10 pm to tiger91
quote:
Not to be disrespectful but are you sure one person has to meet that large ded??? Sure not everyone goes to that one???
I'm sure. They constructed it as some "tiered" family coverage where one person in the family meets $6,750 and the rest has to meet $10,000, then co-insurance kicks in until the max out of pocket is reached.
Posted on 9/14/19 at 11:10 pm to Hammond Tiger Fan
Yeah that's actually really shitty.
Posted on 9/14/19 at 11:11 pm to Hammond Tiger Fan
Wow. No other options through your employer or your wife’s (if she works)?
Posted on 9/14/19 at 11:12 pm to Hammond Tiger Fan
What the heck is your max oop? Ours is $10k.
Posted on 9/14/19 at 11:12 pm to tiger91
quote:
What the heck is your max oop? Ours is $10k.
$13,500
This post was edited on 9/14/19 at 11:13 pm
Posted on 9/14/19 at 11:13 pm to Hammond Tiger Fan
That’s nuts. So idk this because it’s not an option for us but if you’re employed and your employer has insurance you have to use theirs????
And what company is your insurance with??
And what company is your insurance with??
This post was edited on 9/14/19 at 11:15 pm
Posted on 9/14/19 at 11:14 pm to tiger91
quote:
Wow. No other options through your employer or your wife’s (if she works)?
No other options with my employer and my wife's insurance option is worse than mine
Posted on 9/14/19 at 11:14 pm to tiger91
quote:
Last time one of us had the flu I asked for refills on the tamiflu as the likelihood of someone needing it was pretty good. They wrote for refills which saved us an office visit.
Yea unfortunately I went on a weekend to a clinic and got tested and was positive. I got according to NP a free sample of some kind of new antiviral med. My wife decided to go to same place a few days later and they gave her tamiflu. To make matters worse I had type A and she had type B. A week and a half later she had to go back and they tested her and she had type A flu, so another bill, but damn that was rough on her. I’ve never known someone to come down with both. Unless the test was wrong on which strain and in reality she didn’t have both. We usually use regular doctor but day I went like I said was on weekend so had to do a clinic.
ETA: Damn my bad OP, taking over your thread with my long drawn out post
This post was edited on 9/14/19 at 11:16 pm
Posted on 9/14/19 at 11:16 pm to Hammond Tiger Fan
Dude I hate that. We were just talking after the debate. Elizabeth Warren said she’s never talked to anyone who likes their insurance. She should ask us — the premium isn’t half as high as many of our friends and BCBS-La has been very good to us especially once our ded is met. Never had squat denied although we don’t go for frivolous visits either but still.
Posted on 9/14/19 at 11:21 pm to Hammond Tiger Fan
$13,500 family deductible, no copays, somewhere around $500/month. I just had to get my appendix removed, and it involved an $800 CT scan and $4500 (at least) for the surgery.
Posted on 9/14/19 at 11:24 pm to Hammond Tiger Fan
quote:
Hammond Tiger Fan
You can thank that worthless POS Obama and never vote for any rotten sonofabitch democrat ever
Posted on 9/14/19 at 11:31 pm to Hammond Tiger Fan
Not sure how much your employer is putting into the pot. I know prices have gone up, but back about 7-8 years ago, I was paying for insurance out of my pocket. We had a BCBS plan that ended up costing us about $1,000/month for the family--actually like $700/month premium and around $4,000 deductible. We basically budgeted it as $1,000/month to get to full coverage.
Sounds like you're at around $16K for annual coverage (premium + deductible). Makes you wonder how much your employer is actually kicking in.
Sounds like you're at around $16K for annual coverage (premium + deductible). Makes you wonder how much your employer is actually kicking in.
Page 1 of 5
Popular
Back to top
Follow TigerDroppings for LSU Football News