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Started By
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re: I knew my insurance sucked, but I'm really seeing how much it sucks now that I need it
Posted on 9/29/21 at 12:55 am to OysterPoBoy
Posted on 9/29/21 at 12:55 am to OysterPoBoy
Trust me, that's the only reason that people like us keep these BS health insurance policies. It's like a $3.5k single hand of blackjack where if I'm really lucky I lose $3500 to learn that I didn't need to spend $3500.... It's unreal.
0
Posted on 9/29/21 at 1:14 am to Hammond Tiger Fan
You can thank the Hawaiian for that.
Posted on 9/29/21 at 1:17 am to Hammond Tiger Fan
quote:
sucks
You don’t have to use this coarse, semi-vulgar word in your vocabulary.
You can be better than people who just use words without thinking
Posted on 9/29/21 at 1:24 am to Hammond Tiger Fan
Welcome to last year
Posted on 9/29/21 at 1:25 am to HammerJackFlash
quote:
Tell them you don’t have insurance, you’re paying cash. Once they roll their eyes and start punching buttons on the computer, the confusion on their face is pricelesss.
I had some dental work done last year without insurance and it was cheaper than if I would have had insurance.
I'm about to start a new job and am seriously considering not getting the insurance and just putting that in an HSA.
Posted on 9/29/21 at 1:56 am to Powerman
quote:
I'm about to start a new job and am seriously considering not getting the insurance and just putting that in an HSA.
Gotta have the insurance to be eligible for the HSA
Posted on 9/29/21 at 3:42 am to Hammond Tiger Fan
"Hurt" it at work.
Workman's Comp.
Workman's Comp.
Posted on 9/29/21 at 3:54 am to Hammond Tiger Fan
Meanwhile illegals and the less fortunate are like, “what premium-what hospital bill.”
Posted on 9/29/21 at 4:23 am to Meauxjeaux
quote:
Member pre-Obamacare? I member.
Since he forced his bullshite on us, my premiums, co-pay, and deductible have all doubled. frick that gay, Kenyan, cocksucker. Is he still dating Reggie?
Posted on 9/29/21 at 4:38 am to Hangit
I find it funny that throughout this thread people are mad at Obama, but never say anything about the companies that made the plans. These insurance executives make 40 million a year. They are the ones at fault.
Posted on 9/29/21 at 5:07 am to grayson88
quote:
I find it funny that throughout this thread people are mad at Obama, but never say anything about the companies that made the plans. These insurance executives make 40 million a year. They are the ones at fault.
You are wrong. Before Obamacare, insurance was more affordable. Before gvt started Medicare and Medicaid, insurance was cheaper. The reason the prices of insurance is so high is because of all the worthless scum that go to the hospitals and don’t pay shite. When the hospital bulls the gvt for this, they increase the price because they know gvt doesn’t care because gvt is spending your money and not theirs. Then they do the same to insurance, for the same reasons.
If you eliminated insurance and gvt aid to hospitals, you’d see the costs drop drastically. Make everyone responsible for their own healthcare costs and allow insurance to only cover catastrophic events.
The most wasteful way to spend money is for someone to spend someone else’s money on someone else because they have no skin in the game or care about the results.
Posted on 9/29/21 at 5:46 am to Flashback
quote:
$170 is insanely low. The average cost for a family of 4 is around $1100 monthly. Sounds reasonable considering.
OP probably has COBRA. You get what you pay for.
Posted on 9/29/21 at 5:51 am to Hammond Tiger Fan
Welcome to the world of the employed middle class!
Posted on 9/29/21 at 5:54 am to Hammond Tiger Fan
Thank Obama
He ruined the health care industry for the working man.
He ruined the health care industry for the working man.
Posted on 9/29/21 at 6:03 am to Hammond Tiger Fan
Healthcare is the second greatest scam in this country right behind politicians
Posted on 9/29/21 at 6:14 am to grayson88
quote:
I find it funny that throughout this thread people are mad at Obama, but never say anything about the companies that made the plans. These insurance executives make 40 million a year. They are the ones at fault.
Obama was going to have that shite, or die. They even had a Supreme court justice that was against it, vote for it. Nobody could figure out how that vote got him a billion dollars in the Vatican bank. It was a big deal when the scandal broke, but it disappeared aboot a day later. So yeah, frick that Kenyan.
Posted on 9/29/21 at 6:14 am to Hammond Tiger Fan
Welcome to the real reason for Odumbf*ckCare.
Before Odumbf*ckCare, you were just paying for yourself and your family. Your premiums and your out-of-pockets were reasonable and didn't break your bank. But, NOW, you get to pay for the freeloading Odumbf*ck voting leeches to have FREE health INSURANCE. Notice I said "health INSURANCE" and not "healthcare". They've always had HEALTHCARE, but now they get to go to the front of the line (in front of you!) with better insurance than you that YOU get to pay for.
THAT is exactly what Odumbf*ckCare was all about from the very f*cking beginning.
Before Odumbf*ckCare, you were just paying for yourself and your family. Your premiums and your out-of-pockets were reasonable and didn't break your bank. But, NOW, you get to pay for the freeloading Odumbf*ck voting leeches to have FREE health INSURANCE. Notice I said "health INSURANCE" and not "healthcare". They've always had HEALTHCARE, but now they get to go to the front of the line (in front of you!) with better insurance than you that YOU get to pay for.
THAT is exactly what Odumbf*ckCare was all about from the very f*cking beginning.
Posted on 9/29/21 at 6:15 am to LoneStar23
Sounds like OP has a real low premium plan. It's a gamble and sounds like the roll didt come up great.
What I would do, if you can hold the pain for a little bit, is wait till the open enrollment period and pick a plan for 2022 with a lower deductible and lower out of pocket but has a higher premium. get the surgery done early in the year and then once you have met your maximum OOP go see every specialist you know for anything and everything that is and has been bothering you. Allergies, any diagnostic tests you might need, etc.
What I would do, if you can hold the pain for a little bit, is wait till the open enrollment period and pick a plan for 2022 with a lower deductible and lower out of pocket but has a higher premium. get the surgery done early in the year and then once you have met your maximum OOP go see every specialist you know for anything and everything that is and has been bothering you. Allergies, any diagnostic tests you might need, etc.
Posted on 9/29/21 at 6:25 am to John_V
quote:
Went thru the same BS with a specialist a few weeks back.
He wants to schedule a precautionary colonoscopy due to family history and I tell him I'll have to see how much it'd cost.
"Don't you have insurance? What's your deductible?"
"$3500".
Chances are your insurance isn’t going to cover any of a colonoscopy if you’re under 50 even with family history. I learned that the hard way after it was complete and I got a 10k bill
Posted on 9/29/21 at 6:33 am to Hammond Tiger Fan
quote:
My premium is about $170/month, deductible is $10,000, and max out of pocket is $13,500.
That's the problem with "High Deductible" plans. They whoo younger healthy people with very low monthly premiums (For reference, I have a regular PPO with a $1,500 deductible, lowest my insurance offers. My premiums are $750/mo My portion, my employer pays the other $300/mo.)
As you're seeing, the problem is when you need to use it, you arse out a lot of money before the insurance kicks in.
The ACA was supposed to get rid of the old "Catastrophic Coverage" plans, where a young health person paid a very low premium to cover things like Cancer, critical hospitalization, accident coverage but they basically paid out of pocket for routine Dr.s appointments on the rare occasions they were needed for cold, flu etc. The idea was to force more younger healthy people into real insurance plans to help pay for all the costs, well, High Deductible plans are now the new catastrophic plans.
I wish I could be on one but if you have any health issue at all or take meds it is not cost effective option.
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