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Are single, healthy people the most gipped subgroup in America healthcare?
Posted on 12/27/16 at 2:41 pm
Posted on 12/27/16 at 2:41 pm
ETA: I am no longer complaining after learning how much others pay. I am truly shocked by some of the plans I have seen in here.
I pay about $80/month for the base plan with Blue Cross Blue Shield being a teacher here in MS. This plan features no premium or copay and an $1,800 deductible. Unless one is always sickly, are there really people out there spending that much in a year? I went to a doctor this year after several people told me to...bad decision as that one visit cost me all told $250. Just the office visit, in which I never saw a doctor, but a nurse, was $236 for 15 minutes (BCBS covered $78 of this).
We qualify for almost no packages or reductions. So, are healthy young people, especially those single, the most gipped age group in America?
I pay about $80/month for the base plan with Blue Cross Blue Shield being a teacher here in MS. This plan features no premium or copay and an $1,800 deductible. Unless one is always sickly, are there really people out there spending that much in a year? I went to a doctor this year after several people told me to...bad decision as that one visit cost me all told $250. Just the office visit, in which I never saw a doctor, but a nurse, was $236 for 15 minutes (BCBS covered $78 of this).
We qualify for almost no packages or reductions. So, are healthy young people, especially those single, the most gipped age group in America?
This post was edited on 12/28/16 at 11:37 am
27
Posted on 12/27/16 at 2:42 pm to rpg37
Are you also white, male, and straight?
Posted on 12/27/16 at 2:43 pm to rpg37
quote:
one visit cost me all told $250.
What doc in a box charges $250 for a 15 minute visit?
Posted on 12/27/16 at 2:43 pm to LSUBoo
quote:
Are you also white, male, and straight?
What does this have to do with anything?
Posted on 12/27/16 at 2:43 pm to rpg37
I pay $325/month, 5K deductible. 30 years old, in perfect health.
Rarely every go to the doc. Maybe every other year.
Rarely every go to the doc. Maybe every other year.
Posted on 12/27/16 at 2:44 pm to rpg37
quote:
We qualify for almost no packages or reductions. So, are healthy young people, especially those single, the most gipped age group in America?
Honestly, as a single, healthy, 31 year old male, I just opt for the high deductible HSA plan and treat it like a catastrophic insurance plan.
I have no medications, never go to the doctor and very rarely get sick. (When I do get sick, I rest and drink fluids like a normal human being, and I'm better in no time)
At this point, I just invest the HSA contributions into the stock market since I like won't ever use them.
If people would stop going to the doctor for every cough, sniffle and sneeze, insurance wouldn't be as expensive. But because hypochondriacs aren't footing the bill, they go to the doctor just because.
ETA: I pay $60/mo with a $2,200 deductible and an HSA option. I put enough into my HSA every year to cover my deductible.
May start using that money elsewhere though as I'm highly unlikely to use it all anytime soon.
This post was edited on 12/27/16 at 2:49 pm
Posted on 12/27/16 at 2:44 pm to Muriel
quote:
I pay $325/month, 5K deductible. 30 years old, in perfect health.
Why in the living frick? Is this for a family?
Posted on 12/27/16 at 2:45 pm to rpg37
quote:
I pay about $80/month for the base plan with Blue Cross Blue Shield being a teacher here in MS. This plan features no premium or copay and an $1,800 deductible. Unless one is always sickly, are there really people out there spending that much in a year? I went to a doctor this year after several people told me to...bad decision as that one visit cost me all told $250. Just the office visit, in which I never saw a doctor, but a nurse, was $236 for 15 minutes (BCBS covered $78 of this).
You don't realize how much better your plane is than most single, healthy people. Try $560 a month with a $6000.00 deductible. $80 a month with an $1800.00 deductible is fantastic coverage these days.
Posted on 12/27/16 at 2:45 pm to dcrews
quote:
If people would stop going to the doctor for every cough, sniffle and sneeze, insurance wouldn't be as expensive. But because hypochondriacs aren't footing the bill, they go to the doctor just because.
And the companies take the brunt out on the doers and the healthy young people just because they can.
Posted on 12/27/16 at 2:46 pm to rpg37
quote:
What does this have to do with anything?
Just seeing if you were hitting for the cycle.
Posted on 12/27/16 at 2:46 pm to rpg37
As a single, healthy male, I can say that the answer is yes.
If Trump doesn't fix this horrible policy, I don't care if Sean Penn is running against him. I'm campaigning against him.
If Trump doesn't fix this horrible policy, I don't care if Sean Penn is running against him. I'm campaigning against him.
Posted on 12/27/16 at 2:47 pm to GWfool
quote:
Try $560 a month with a $6000.00 deductible
I cannot even fathom this.
Posted on 12/27/16 at 2:48 pm to rpg37
nope. just me. I've looked around. not any better options.
Posted on 12/27/16 at 2:48 pm to rpg37
mine is close to that. a lil lower deductible
33 year old male with no health issues. haven't been to a doctor for like 13-14 years (and that was just a quick visit for my back)
33 year old male with no health issues. haven't been to a doctor for like 13-14 years (and that was just a quick visit for my back)
Posted on 12/27/16 at 2:49 pm to rpg37
Isn't that how all insurance works?
Good drivers paying for the bad ones, people in "safer" areas paying for homes in disaster prone areas, etc
All that being said, medical insurance companies are fricking criminal
Good drivers paying for the bad ones, people in "safer" areas paying for homes in disaster prone areas, etc
All that being said, medical insurance companies are fricking criminal
Posted on 12/27/16 at 2:49 pm to Muriel
quote:
nope. just me. I've looked around. not any better options.
Would it not be better just to pay the ACA penalty? That is crazy!
Posted on 12/27/16 at 2:50 pm to SanFranTiger
quote:
Isn't that how all insurance works?
Hearing what a couple of other posters here pay, I feel much less angry. However, these costs are absurd. Over $500/motnh for a healthy person! I just don't get it.
Posted on 12/27/16 at 2:51 pm to rpg37
quote:
Would it not be better just to pay the ACA penalty?
I've considered that. It likely would be cheaper but I guess it gives me a little peace of mind knowing if I did come down with something or some retard without insurance Tboned me in traffic, I wouldn't be in debt for life.
I'm not sure what that's worth. It sucks donkey balls all the way around, though.
Posted on 12/27/16 at 2:52 pm to rpg37
FU you privileged prick!
Come talk to us when your health insurance for a family of four is $2300 a month with a $12,500 out of network deductible or a $6500 in network deductible from BBCS. Bitching about a fricking $80 a month plan???? Seriously just FU!
Come talk to us when your health insurance for a family of four is $2300 a month with a $12,500 out of network deductible or a $6500 in network deductible from BBCS. Bitching about a fricking $80 a month plan???? Seriously just FU!
Posted on 12/27/16 at 2:53 pm to rpg37
Friend of mine early 60s, self employed. He and his wife $2500 deductible $1700 per month
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