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Started By
Message
re: Health insurance is a scam
Posted on 3/21/22 at 1:33 pm to Masterag
Posted on 3/21/22 at 1:33 pm to Masterag
quote:
meanwhile, we have no assistance and i will be stuck paying a $6,000 deductible for labor and delivery, plus another couple grand in doctors appointments and who knows what else they decide we should subsidize.
Congrats on going with high deductible plan then bitching when you don't get low out of pocket cost
Neither of my kids costs us more than $2500 out of pocket from conception to going home.
0
Posted on 3/21/22 at 1:34 pm to Masterag
All insurance is a scam.
Go back and watch Chris Rock’s bit on insurance. It’s so true. “They should call it ‘in case sh*t happens.’”
Go back and watch Chris Rock’s bit on insurance. It’s so true. “They should call it ‘in case sh*t happens.’”
Posted on 3/21/22 at 1:34 pm to 777Tiger
That is a high deductible plan and actually pretty common amount.
Posted on 3/21/22 at 1:34 pm to Masterag
It helps to have an employer who covers 90% of the premium. I consider myself lucky
Posted on 3/21/22 at 1:34 pm to Masterag
quote:
BCBS
PPO or HSA?
I've had 2 kids and neither cost more than $1k for the entire pregnancy/labor and both were C sections that required 4 day hospital stays
either your numbers are inflated to prove some point or your insurance is the worst I've ever seen, which I guess would make me mad as well
Posted on 3/21/22 at 1:34 pm to Masterag
About 25 years ago I was working as a flood adjuster. I was handling a claim for this guy that lived near a small river that flooded his home.
I went through the scope of damage and wrote up an estimate based on the available flood coverage. When I was done the guy was really hot. He didn't like having a deductible and many other things the policy limits coverage. (Outside furniture)
He ranted that he "finally broke down and bought flood insurance and got screwed". I had to hear this out. He went on and explained he had previously reported the damage on prior floods to FEMA and got paid "alot more than he was with a flood policy".
I think we see that commonly now.
I went through the scope of damage and wrote up an estimate based on the available flood coverage. When I was done the guy was really hot. He didn't like having a deductible and many other things the policy limits coverage. (Outside furniture)
He ranted that he "finally broke down and bought flood insurance and got screwed". I had to hear this out. He went on and explained he had previously reported the damage on prior floods to FEMA and got paid "alot more than he was with a flood policy".
I think we see that commonly now.
Posted on 3/21/22 at 1:35 pm to fatboydave
quote:
That's a first good step toward Medicare
i'll never take someone else's money i don't deserve.
Posted on 3/21/22 at 1:35 pm to Masterag
quote:
$6,000 deductible for labor and delivery,
Are your premiums almost nothing?
If so, quit your bitching.
If not, you need to change that shite yesterday.
Posted on 3/21/22 at 1:36 pm to Masterag
quote:
i'll never take someone else's money i don't deserve
Nice subjective standard
Posted on 3/21/22 at 1:36 pm to fatboydave
quote:
That's a first good step toward Medicare
His wife is about to have a baby, no way she’s 65 yet
Posted on 3/21/22 at 1:36 pm to Masterag
quote:
meanwhile, we have no assistance and i will be stuck paying a $6,000 deductible for labor and delivery, plus another couple grand in doctors appointments and who knows what else they decide we should subsidize.
I mean I paid $150 TOTAL for all the OB appointments with my son, including a couple day stay in the hospital for me for pre-term labor, then all the delivery.
For some reason we put him on my husband's insurance and an entire 3 week NICU stay was the cost of his deductible so around $4k. Husband had an ACL and Meniscus repaired on his knee that year and my son had a surgery at $0.
So seems ok to me.
Posted on 3/21/22 at 1:36 pm to Salmon
quote:
either your numbers are inflated to prove some point or your insurance is the worst I've ever seen, which I guess would make me mad as well
I've got BCBS in TX and it's pretty damn good coverage
Posted on 3/21/22 at 1:36 pm to Aquila
quote:
ALL insurance is a scam
Until you need it
Posted on 3/21/22 at 1:37 pm to Masterag
quote:
how have we allowed this to persist for so long?
We love our capitalism!
Posted on 3/21/22 at 1:37 pm to Masterag
Nothing you posted supports your title.
Posted on 3/21/22 at 1:37 pm to 777Tiger
The additional couple of grand for Dr appts sounds high; but guess that depends on OP's deductible & co-insurance limits. Could be that they just have a shitty plan. If I recall correctly from my last child we had an initial co-pay to verify the pregnancy, then every visit after was free(no deductible). There was a deductible for the hospital stay after birth, then every non-sick visit was free (no deductible) until after 1st b-day
Had a friend have a kid earlier this year and their bill was around $24k, they only had to pay $1K bc of their insurance coverage, but I could definitely see the $6k portion being right if that's the plan deductible.
Had a friend have a kid earlier this year and their bill was around $24k, they only had to pay $1K bc of their insurance coverage, but I could definitely see the $6k portion being right if that's the plan deductible.
Posted on 3/21/22 at 1:37 pm to Salmon
quote:
PPO or HSA?
I've had 2 kids and neither cost more than $1k for the entire pregnancy/labor and both were C sections that required 4 day hospital stays
either your numbers are inflated to prove some point or your insurance is the worst I've ever seen, which I guess would make me mad as well
i really don't know. wife handles all of the health stuff. might have to go back over everything. but we've got the best health plan they offered.
Posted on 3/21/22 at 1:38 pm to Masterag
quote:
wife handles all of the health stuff.
maybe it's time for a new wife?
jk
Posted on 3/21/22 at 1:38 pm to GreenRockTiger
quote:
Bc ppl who get the free stuff keep the people who give out the free stuff in power
Isn't the alternative given by Republicans: "we still take your taxes but instead of free stuff, we give you nothing"?
I mean, given those two choices, why would anyone vote to be robbed with nothing to show for it but a gaping b-hole?
Posted on 3/21/22 at 1:39 pm to Masterag
quote:
i really don't know. wife handles all of the health stuff. might have to go back over everything.
So what are you angry about exactly?
Poor people having kids?
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