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re: Anyone get there Blue Cross Health Ins Renewal Notice in mail for 2025?
Posted on 10/7/24 at 2:51 pm to Double Oh
Posted on 10/7/24 at 2:51 pm to Double Oh
Bcbs is doing shady stuff right now that you probably don’t know about. They sell you on their policy but there’s another company they just hired for Bcbs of La called Carelon that manages the spending. They have cut into criteria for who qualifies for certain procedures and medicines whereas the Bcbs of La policy may have covered you when you purchased the plan. Voice it to them. It’s a bait and switch and in the fine print it states “they don’t need to inform you, you need to be informed”
1
Posted on 10/7/24 at 3:07 pm to Corinthians420
You started out with a decent argument. If you think Coke and hookers are the same as life-saving medical care you may need to reevaluate your life.
This post was edited on 10/7/24 at 3:08 pm
Posted on 10/7/24 at 3:46 pm to Double Oh
I was talking to a friend of mine that is a partner in a thirty attorney law firm in New Orleans. He told me that the firm's biggest expense, except for salaries is the health care premium for the firm.
Posted on 10/7/24 at 3:50 pm to LSUSkip
quote:
I couldn't do I anymore, it was $1700/month and barely paid for anything.
Its $1738 for me and the wife next year. Its going to be $3000 in 5 years. When does it stop
Posted on 10/7/24 at 6:30 pm to BengalBlood81
I’ll not hesitate to sue if treatment or procedure my doctor recommends. They don’t get to decide what my doc says is needed.
Posted on 10/7/24 at 6:34 pm to Double Oh
Christian Healthcare Ministries
Posted on 10/7/24 at 6:40 pm to Double Oh
When you 65 and switch to Medicare
Posted on 10/7/24 at 6:47 pm to BROpaneTANK
Posted on 10/7/24 at 6:56 pm to Double Oh
United Heathcare Medicare Select Advantage
Posted on 10/7/24 at 7:03 pm to Double Oh
quote:
Its $1738 for me and the wife next year. Its going to be $3000 in 5 years. When does it stop
It doesn't. You think all those illegals going to get free healthcare? It may be free to them but you're gonna help pay for it. Same for other Medicaid recipients. Producers carrying the parasites.
Posted on 10/7/24 at 7:16 pm to BROpaneTANK
Right. You want a 40% tax to provide national health care and then you want us to pay the same amount we are currently paying to address the issue of wait times.
F........
F........
Posted on 10/7/24 at 8:07 pm to Double Oh
All these weight loss drugs got to be paid for by someone.
By cost probably the biggest cost driver for insurers right now. I know some states talked about restricting access
By cost probably the biggest cost driver for insurers right now. I know some states talked about restricting access
Posted on 10/7/24 at 8:11 pm to RobbBobb
quote:
No theyre about the same. Just cost me $1000 for a test they approved thru my Dr. Then denied payment. Charged it off as deductible. I wouldnt have done the test, if they would have said upfront they werent going to pay for it
Insurance approving you for a test doesn’t mean that they are going to pay for it, especially if you have a deductible.
Now, they should have told you that the covered amount was $1,000 but because of your deductible they weren’t paying anything towards it. But that’s not the same as denying payment. Might sound like semantics but it’s not.
Posted on 10/7/24 at 8:17 pm to Double Oh
I'm shopping plans right now.
I'm self employed. Humana is dropping small business coverage where I'm at. So my choices are bcbs, united or going to the exchange.
Probably going with united but the options still suck.
I can either pay $24k in premiums with a 3500 family deductible. Or I can pay ~15k in premiums with a 12k deductible. Either way, I'm basically paying 27k out of pocket if I need to fully utilize my insurance, at least with the latter I can tuck some into an hsa if I don't need to use the insurance.
I'm self employed. Humana is dropping small business coverage where I'm at. So my choices are bcbs, united or going to the exchange.
Probably going with united but the options still suck.
I can either pay $24k in premiums with a 3500 family deductible. Or I can pay ~15k in premiums with a 12k deductible. Either way, I'm basically paying 27k out of pocket if I need to fully utilize my insurance, at least with the latter I can tuck some into an hsa if I don't need to use the insurance.
Posted on 10/7/24 at 8:24 pm to Double Oh
quote:
I need to shop around
Don’t waste your time.
Posted on 10/7/24 at 8:44 pm to DrEdgeLSU
quote:
But that’s not the same as denying payment.
No Dr. They denied it. Then they paid it all from my HSA acct. with them
And they didnt apply any discount to the charge, because they denied coverage. And of course, didnt bother to inform my of the cost upfront, which I thought La. law required. I paid full price. Not the negotiated price, like they do when they approve a procedure. Plus, should have paid some, because my deductible was met before we got thru the whole $1000 payment
Posted on 10/7/24 at 8:59 pm to Puffoluffagus
quote:
I'm shopping plans right now.
I'm self employed. Humana is dropping small business coverage where I'm at. So my choices are bcbs, united or going to the exchange.
Probably going with united but the options still suck.
I can either pay $24k in premiums with a 3500 family deductible. Or I can pay ~15k in premiums with a 12k deductible. Either way, I'm basically paying 27k out of pocket if I need to fully utilize my insurance, at least with the latter I can tuck some into an hsa if I don't need to use the insurance.
You and wife?
Posted on 10/7/24 at 9:31 pm to RobbBobb
quote:
No Dr. They denied it. Then they paid it all from my HSA acct. with them And they didnt apply any discount to the charge, because they denied coverage. And of course, didnt bother to inform my of the cost upfront, which I thought La. law required. I paid full price. Not the negotiated price, like they do when they approve a procedure. Plus, should have paid some, because my deductible was met before we got thru the whole $1000 payment
Well I have no reason to believe you or take up for the insurance company. If all you say is true then appeal it. For all the horror stories I hear about insurance companies I’ve been fortunate enough not to encounter it. If that all happened that way I feel bad for you.
Also sometimes insurance will approve a procedure but then the test is done at an out of network lab and you don’t know this until it’s too late (infuriating yes).
This post was edited on 10/7/24 at 9:43 pm
Posted on 10/8/24 at 8:19 pm to Double Oh
quote:
You and wife?
Family (me, spouse, and 2 kids)
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