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Started By
Message
re: Health Insurance Options for Self Employed? EXPENSIVE!!
Posted on 10/29/19 at 4:54 pm to Tigeralum2008
Posted on 10/29/19 at 4:54 pm to Tigeralum2008
quote:
Everyone's Health insurance premiums are increasing by double digits...
This country is in dire need of health care reform
Obama is such a count
0
Posted on 10/29/19 at 4:58 pm to bamaswallows
Whether or not you are self employed and pay high premium directly like the OP, or are paying "less" through your employer, we all are really paying a lot, because your employer is having to pick up a large share, otherwise could pay you a higher salary.
Further, I expect in the coming years that companies will begin cutting back on their percentage of health insurance cost pickups for the employee, much like pensions and savings plans have been whittled away.
Further, I expect in the coming years that companies will begin cutting back on their percentage of health insurance cost pickups for the employee, much like pensions and savings plans have been whittled away.
Posted on 10/29/19 at 5:06 pm to bamaswallows
I'm sort of retired and not covered under any group plan. I investigated the various options and for us going with one of the cost sharing programs seems much better than anything I could get buying traditional coverage. You might check those out.
It covers some routine stuff like our annual checkups, my wife's mammograms, flu shots, etc. but is essentially catastrophic coverage. It doesn't cover preexisting conditions.
It covers some routine stuff like our annual checkups, my wife's mammograms, flu shots, etc. but is essentially catastrophic coverage. It doesn't cover preexisting conditions.
This post was edited on 10/29/19 at 5:07 pm
Posted on 10/29/19 at 5:19 pm to AtlantaLSUfan
quote:
When I was Self employed I would just pay the doctor. Spend $300 at the doctor and save $1200/mo for insurance. Self insuring is fine for healthy people.
Just curious, what’s your plan if you have a bout of prostate cancer and need surgery, or have an unexpected chest pain and need an angiogram, or diverticulitis with a colon resection and get a $150,000 bill, can you wing that? Im really glad if you can, but that could ruin a family.
Posted on 10/29/19 at 5:29 pm to ellishughtiger
quote:
My neighbor who’s a an anesthesiologist just bought his second Tesla in 3 years, makes you wonder
So he bought two pieces of shite?
Posted on 10/29/19 at 6:16 pm to bamaswallows
Medi share. You’re welcome
Posted on 10/29/19 at 7:00 pm to Jaydeaux
quote:
Medi share. You’re welcome
This.
This post was edited on 1/26/21 at 9:44 am
Posted on 10/29/19 at 7:27 pm to bamaswallows
I have some family members that paid $3k monthly for the two of them.
$5k deductible.
They actually benefited from Obama care, oddly enough.
$5k deductible.
They actually benefited from Obama care, oddly enough.
Posted on 10/29/19 at 7:46 pm to Boston911
Medical bankruptcy is a myth created by the media and you'd be able to negotiate a better deal with no insurance in both of your scenarios. I've done it both ways, no insurance and high deductible, you get a better deal with no insurance. The uninsured patient will always get medical care in the United States, and he'll be able to pay less than the guy who had insurance too.
It is much harder to negotiate the price of the same service if you have a health plan schedule dictating your negotiated cost than if you're paying cash.
I'm frequently penalized on routine costs (e.g. x-rays, lab work, testing) in my high deductible plan and pay more than I did when had no insurance or someone who walks in with no insurance to buy the same service. I've become familiar with medical billing and laws around it because I refuse to be screwed by hospitals who manipulate the ambiguities of high deductible plans.
East Jefferson General Hospital is really underhanded about high deductible billing and that is why my family and I don't go there anymore. Luckily they're so bad at managing a hospital, all of our doctors have left too, while EJGH runs a $20M plus annual deficit.
Your total cost of risk is lower forgoing the current form of health cost sharing that is not really insurance.
It is much harder to negotiate the price of the same service if you have a health plan schedule dictating your negotiated cost than if you're paying cash.
I'm frequently penalized on routine costs (e.g. x-rays, lab work, testing) in my high deductible plan and pay more than I did when had no insurance or someone who walks in with no insurance to buy the same service. I've become familiar with medical billing and laws around it because I refuse to be screwed by hospitals who manipulate the ambiguities of high deductible plans.
East Jefferson General Hospital is really underhanded about high deductible billing and that is why my family and I don't go there anymore. Luckily they're so bad at managing a hospital, all of our doctors have left too, while EJGH runs a $20M plus annual deficit.
Your total cost of risk is lower forgoing the current form of health cost sharing that is not really insurance.
This post was edited on 10/29/19 at 8:08 pm
Posted on 10/29/19 at 8:03 pm to Tigeralum2008
quote:
This country is in dire need of health care reform
Didn't Orange Man Bad promise this?
Posted on 10/29/19 at 8:39 pm to Chelsea Blue
So did brown man.
Posted on 10/29/19 at 8:42 pm to bamaswallows
Bro my wife and I just got our notice from BCBS. From 1350 a month to 1575 per month and we literally have never been to the doctor in the past year. Not a single red cent did they spend on us. Something has to give, this is utterly ridiculous. There are families that survive on a $1500/month income and these SOBs want to charge me that for insurance.
Posted on 10/29/19 at 8:45 pm to EveryoneGetsATrophy
Posted on 10/29/19 at 9:00 pm to EveryoneGetsATrophy
quote:Or 2 Car of the Year recipients.
So he bought two pieces of shite?
Posted on 10/29/19 at 9:04 pm to shel311
Who voted?
Posted on 10/29/19 at 9:10 pm to Boston911
If you’re self-pay that $150,000 gets adjusted wayyyyyyyy down. You can pay monthly.
Posted on 10/29/19 at 9:13 pm to bamaswallows
I was at 1830, went down to 1700 per month. I have about 6500 deductible before they pay a dime, other than a wellness exam. Wife not in baby mode should drop the prices but it doesn't. "BO", before Obama I was paying less than 1/2 of this amount. Crazy
Posted on 10/29/19 at 9:16 pm to bamaswallows
Find a better CPA
Posted on 10/29/19 at 10:01 pm to GeauxGutsy
like $570 a year for family, thanks Tricare
Posted on 10/29/19 at 10:05 pm to bamaswallows
Holy shite. So you have to pay $28,000 a year before insurance pays a dime?
Was it this bad before Obama? It couldn’t possibly be this bad for small business owners. WTF
Was it this bad before Obama? It couldn’t possibly be this bad for small business owners. WTF
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