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Started By
Message
re: I knew my insurance sucked, but I'm really seeing how much it sucks now that I need it
Posted on 9/29/21 at 6:41 am to John_V
Posted on 9/29/21 at 6:41 am to John_V
quote:
Went thru the same BS with a specialist a few weeks back.
He wants to schedule a precautionary colonoscopy due to family history and I tell him I'll have to see how much it'd cost.
"Don't you have insurance? What's your deductible?"
"$3500".
"Oh, that's not bad. It won't be much out of pocket past that...."
$350/mo for this nonsense that I can't even use without doubling the yearly premiums. I don't understand how parents can sleep knowing their kids are one stupid life lesson away from a $10k medical bill/yr.
Damn! Colonoscopy's are free on my insurance plan. But I did have to pay $192 out of pocket for the appointment with the gastroenterologist for a 5 minute visit and for him to write me a prescription. The one prescription cost me $168.
This post was edited on 9/29/21 at 6:54 am
1
Posted on 9/29/21 at 6:47 am to Hammond Tiger Fan
It’s like buying toilet paper and thinking it’s two ply quilted with aloe and then when you need it bad, you go to use it and it’s really one ply coarse paper that causes you to have a punch through
Posted on 9/29/21 at 6:48 am to Hangit
quote:
premiums, co-pay, and deductible have all doubled. frick that gay, Kenyan, cocksucker. Is he still dating Reggie?
Which is exactly what anyone with a functional brain said would happen.
It could never be said enough: frick that POS Obama.
Posted on 9/29/21 at 6:54 am to Flashback
quote:
$170 is insanely low. The average cost for a family of 4 is around $1100 monthly. Sounds reasonable considering.
Yep. Up until I went on Medicare when I hit 65 three years ago, my monthly health insurance premium for just the wife and I was $675.
Posted on 9/29/21 at 6:56 am to LSUSkip
quote:
My wife
Pics?
quote:
decided to forego the $700/ month we were paying in premiums and just cancel the insurance
Might want to look into joining a sharing ministry. Then you'll actually be covered and the dues are less.
Posted on 9/29/21 at 6:56 am to muttenstein
quote:
Damn! Colonoscopy's are free on my insurance plan
USUALLY, preventative screenings are free but for diagnostic purposes (say they found a polyp), those are not.
Posted on 9/29/21 at 6:57 am to Flashback
quote:
$170 is insanely low. The average cost for a family of 4 is around $1100 monthly. Sounds reasonable considering.
This. Our family of 3 pays $750/month.
Posted on 9/29/21 at 6:59 am to grayson88
quote:
These insurance executives make 40 million a year. They are the ones at fault.
They've always made that kind of money.
Before Obama those same insurers offered lower premiums and deductibles.
Posted on 9/29/21 at 7:03 am to Hammond Tiger Fan
Everyone is supposed to be dependent on the state. Didn’t you get the memo?
The word you are looking for is “illusory.” Insurance is illusory.
The word you are looking for is “illusory.” Insurance is illusory.
This post was edited on 9/29/21 at 8:17 am
Posted on 9/29/21 at 7:04 am to LSUSkip
quote:
My wife and I decided about a month or two ago that we wouldn't make the deductible unless something tragic happened, so we decided to forego the $700/ month we were paying in premiums and just cancel the insurance
I hope that works out to be a good strategy, but this is how a lot of people end up filing for bankruptcy when a major medical event happens.
Posted on 9/29/21 at 7:06 am to Hammond Tiger Fan
I’m extremely lucky. I have insurance for my wife and I through my work that I pay $375/month for and insurance from being retired Military that we pay $25/month for. Between us, we’ve had 3 surgeries and multiple follow up and wellness appointments in the last 5 years. We paid $0 out of pocket for all 3 surgeries. They only thing we’ve had to pay is whatever was left on our prescriptions after insurance paid. It’s usually $5-10/prescription.
Posted on 9/29/21 at 7:07 am to LSUfan4444
quote:
USUALLY, preventative screenings are free but for diagnostic purposes (say they found a polyp), those are not.
What? Aren't polyps found as a result of a routine, preventative screening? I had one 3 years ago, and he found and removed a small number of polyps. I'm actually having a colonoscopy this Friday. Normally it would be every 5 years, but he wanted my to get one earlier to see if any more polyps had formed. And the admin assured me it would be free with my health insurance.
This post was edited on 9/29/21 at 7:08 am
Posted on 9/29/21 at 7:09 am to LSUfan4444
quote:
What I would do, if you can hold the pain for a little bit, is wait till the open enrollment period and pick a plan for 2022 with a lower deductible and lower out of pocket but has a higher premium. get the surgery done early in the year and then once you have met your maximum OOP go see every specialist you know for anything and everything that is and has been bothering you. Allergies, any diagnostic tests you might need, etc.
I wish I had options to do this. My employer only offers one healthcare plan and it's the HDHC option.
Posted on 9/29/21 at 7:11 am to wryder1
Take issue with affordability prior to Obamacare. Yeah it is higher now as are all things, but insurance premiums were moving up prior to ACA passage. ACA exacerbated it.
I would also say that it is a function of a collusion between the big hospital systems and insurance companies with the government watching from the sidelines. Government does not dictate the rates nor are the regulations they put on all that expensive.
I'll never forget whe I had to get an MRI about 6 years ago. I went to Ochsner to schedule it and they were going to charge me close to 1500.00 on my 3500 deductible. I balked. Did a little research and found an imaging place 1 mile from them that did an MRI for half the price. Insurance charges you so that they can kick back to the hospital and make a nice profit that for both grows at about 9% YoY
If you want to educate yourself about that instead of knee jerking the government angle read Steve Brill " America's Bitter Pill".
I would also say that it is a function of a collusion between the big hospital systems and insurance companies with the government watching from the sidelines. Government does not dictate the rates nor are the regulations they put on all that expensive.
I'll never forget whe I had to get an MRI about 6 years ago. I went to Ochsner to schedule it and they were going to charge me close to 1500.00 on my 3500 deductible. I balked. Did a little research and found an imaging place 1 mile from them that did an MRI for half the price. Insurance charges you so that they can kick back to the hospital and make a nice profit that for both grows at about 9% YoY
If you want to educate yourself about that instead of knee jerking the government angle read Steve Brill " America's Bitter Pill".
Posted on 9/29/21 at 7:16 am to Hammond Tiger Fan
Before Obama made your insurance affordable, deductibles were usually between 1-3k.
Posted on 9/29/21 at 7:24 am to Flashback
quote:Mine is $1200 for a family of 3. Went to a dermatologist the other day about a suspicious mole. Cost me over $300.
$170 is insanely low. The average cost for a family of 4 is around $1100 monthly. Sounds reasonable considering.
I'm beginning to think I don't have insurance, just an expensive card in my wallet.
Posted on 9/29/21 at 7:29 am to grayson88
quote:Ah, I still see ignorance is bliss.
I find it funny that throughout this thread people are mad at Obama, but never say anything about the companies that made the plans. These insurance executives make 40 million a year. They are the ones at fault.
When you force insurance to cover everyone, even the one's with pre-existing conditions, "kids" until they are 26 y/o that are married, what do you think the price will do?
Posted on 9/29/21 at 7:36 am to Hammond Tiger Fan
Tell them you no have a passaporté y just come from over da border. Everyting will be paiid for by Joe taxpayer and you will have to pay no denero.
Posted on 9/29/21 at 7:41 am to TDsngumbo
quote:
I don’t know how most families do it with premiums that high. At $507/month total for my entire family of 4,
Try $650/month for an individual plan, bubba
Posted on 9/29/21 at 7:41 am to greygoose
Not to mention The governments reimbursement rates for Medicare and Medicaid is lower to providers. Who do you think they pass the cost on to?
And some people want universal healthcare from our government?
And some people want universal healthcare from our government?
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