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Started By
Message
What exactly am I getting out of my health insurance
Posted on 2/21/23 at 5:41 pm
Posted on 2/21/23 at 5:41 pm
Looking at the numbers is infuriating. My employer pays $1500/mo for my wife and I to have a high deductible plan. That's a lot of dang money. Yet every month, it sure doesn't seem like the insurance company is doing much for us. I'm still paying every bill from doctors and clinics. And the insurance has rejected requests for 2 prescriptions lately. What an absolute scam.
27
Posted on 2/21/23 at 5:42 pm to indytiger
quote:
high deductible plan
Posted on 2/21/23 at 5:42 pm to indytiger
Insurance is a racket
Posted on 2/21/23 at 5:55 pm to indytiger
Muh free birth control!
Posted on 2/21/23 at 6:07 pm to indytiger
It’s insurance, not prepaid doctor bills/scripts. What do you get out of car insurance if you don’t get in a wreck this year? What do you get out of flood insurance if your house doesn’t flood this year?
Insurance is about mitigating catastrophic risks/bills.
Insurance is about mitigating catastrophic risks/bills.
Posted on 2/21/23 at 6:27 pm to Ric Flair
This is true in theory. But because we have this weird system for using it for non emergencies and catastrophes, it leads to this nutty system of having high insurance costs plus high copays. Wtf
Posted on 2/21/23 at 7:16 pm to indytiger
High deductible plans are for Emergencies. They are designed to make you think you will not go bankrupt if you have a major medical expense. Young people are overcharged and old people are undercharged thinks to Obamacare.
They system if fricked up and is not getting better. Just play the game.
For those prescriptions getting denied, talk to your doctor, they probably need to do a preauthorizion, its really scammy and they HOPE that you don't follow through to get it covered. Lot's of offices have someone on staff to handle dealing with insurance companies and will jump through the hoops with you or for you.
They system if fricked up and is not getting better. Just play the game.
For those prescriptions getting denied, talk to your doctor, they probably need to do a preauthorizion, its really scammy and they HOPE that you don't follow through to get it covered. Lot's of offices have someone on staff to handle dealing with insurance companies and will jump through the hoops with you or for you.
Posted on 2/21/23 at 7:25 pm to armsdealer
quote:
they HOPE
Who is they?
This post was edited on 2/21/23 at 7:26 pm
Posted on 2/21/23 at 7:56 pm to Teddy Ruxpin
quote:
Who is they?
insurance companies.
Posted on 2/21/23 at 7:57 pm to indytiger
quote:
employer pays $1500/mo for my wife and I to have a high deductible plan. That's a lot of dang money
Well somebody's got to pay for these people's compensations.
Next go find all of the salaries of the administration at your local health system. Bonus points if it's an HCA hospital
Posted on 2/21/23 at 8:16 pm to armsdealer
quote:
insurance companies
Most employer plans are self funded so insurance companies don't pay the claims.
Posted on 2/21/23 at 8:18 pm to Upperdecker
quote:
Insurance is a racket
Yes it is. Who needs health insurance when there is GoFundMe?
Posted on 2/21/23 at 8:21 pm to indytiger
My mother in law (58 years old) had $1.5 million in claims last year (lymphoma). Her out of pocket max was $10,000 for the year and she pays $1,000 in premium every month. A friend of mine had a baby and baby was immediately brought to ICU in different city. Can only imagine how much this will cost. This is why you have health insurance.
You have a contractural agreement to not owe money the rest of your life after one bad situation.
You have a contractural agreement to not owe money the rest of your life after one bad situation.
This post was edited on 2/21/23 at 8:23 pm
Posted on 2/21/23 at 8:39 pm to tigerforever7
quote:
You have a contractural agreement to not owe money the rest of your life after one bad situation.
I feel like I hear stories of people having insurance still going broke when they get sick like all the time
ETA: watch the insurance companies lobby for the Canada shot here so they don’t have to pay for big claims anymore and they can keep suckering healthy people to pay for nothing every month
This post was edited on 2/21/23 at 8:41 pm
Posted on 2/21/23 at 9:19 pm to indytiger
HSA with that HDHP!
Posted on 2/21/23 at 10:41 pm to indytiger
As much as it sucks, you’re at least only paying the contractual amount and not the standard rate.
Also, sounds like your employer has a shitty plan option and still having to pay a premium.
Also, sounds like your employer has a shitty plan option and still having to pay a premium.
Posted on 2/22/23 at 12:11 am to indytiger
How do you think I feel. I haven't seen a doctor in 20 years.
Posted on 2/22/23 at 6:48 am to indytiger
I'm not disagreeing at all.
But, on the other hand, it's also okay to be thankful for Not needing it.
Eleven years ago I was dx with this little blood cancer disease. A little pill that retails for about $9k/month keeps me alive and pretty well.
What does BlueCross really pay for that med? I have no idea. But I pay my 1000/month premium so I can get my damn little pill.
The three least trusted organizations to me are our government, big pharma and big insurance. But they are keeping me alive.
But, on the other hand, it's also okay to be thankful for Not needing it.
Eleven years ago I was dx with this little blood cancer disease. A little pill that retails for about $9k/month keeps me alive and pretty well.
What does BlueCross really pay for that med? I have no idea. But I pay my 1000/month premium so I can get my damn little pill.
The three least trusted organizations to me are our government, big pharma and big insurance. But they are keeping me alive.
This post was edited on 2/27/23 at 8:03 am
Posted on 2/22/23 at 6:55 am to Weekend Warrior79
quote:
Also, sounds like your employer has a shitty plan option and still having to pay a premium.
Welcome to the world post Affordable Care ACT.
My employer plan went from $250 deductibles to $4000 deductibles in 3 years. AND the cost went up.
My out of pocket max went from $800 to $8000 per person.
The 10 most dangerous words in the English language. "We are the government and we are here to help".
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