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Started By
Message
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 7:48 am to muttenstein
Posted on 9/29/21 at 7:48 am to muttenstein
quote:
What? Aren't polyps found as a result of a routine, preventative screening?
yes...and when they are found during the preventative screening they then move to a diagnostic screening which is covered but comes with a patient cost sharing (usually)
0
Posted on 9/29/21 at 7:49 am to Hammond Tiger Fan
quote:
I wish I had options to do this. My employer only offers one healthcare plan and it's the HDHC option.
That sucks...can you opt out and get coverage maybe through your spouses employer on on the marketplace for a year?
Posted on 9/29/21 at 7:49 am to go ta hell ole miss
quote:
I hope that works out to be a good strategy, but this is how a lot of people end up filing for bankruptcy when a major medical event happens.
So is having an ACA plan.
Posted on 9/29/21 at 7:52 am to Hammond Tiger Fan
If you don't fix the knee the limp will cause you to need a hip replacement also. That will cost more.
Posted on 9/29/21 at 7:57 am to Hammond Tiger Fan
I broke my arm in my early 20's that required an outpatient surgery. I had opted for the cheapest insurance plan at work because I thought I was invincible and would never use it. That was a $9k mistake, and I've always gotten the max available health insurance since then. Took me 3 years to pay that off.
This was also way before Obamacare. Health insurance in this country has sucked for a looooooong time. Tying it to your job was one of the dumbest mistakes this country has made as far as domestic policy.
This was also way before Obamacare. Health insurance in this country has sucked for a looooooong time. Tying it to your job was one of the dumbest mistakes this country has made as far as domestic policy.
Posted on 9/29/21 at 8:00 am to Hammond Tiger Fan
Serious answer. Look into "American hospitals " in Bangkok.
They have all American trained staff. No one waits for anything. Knee scoping is around $1200. But they will run a full battery of test for $1500.
I known people to go there for major dental work and minor surgeries.
That $9k will go far there and you'll get better care in a better setting than here.
They have all American trained staff. No one waits for anything. Knee scoping is around $1200. But they will run a full battery of test for $1500.
I known people to go there for major dental work and minor surgeries.
That $9k will go far there and you'll get better care in a better setting than here.
Posted on 9/29/21 at 8:03 am to The Spleen
quote:
Health insurance in this country has sucked for a looooooong time
The biggest culprit in our insurance costs is our reimbursement system. Hospitals, facilities and specialists by-in-large get paid for the services they provide not for keeping you healthy. PCP practices are bought (and lose millions of dollars) by large hospital systems just so they can funnel the patient into their facilities and specialists offices. Obviously, the incredibly large amount of money spent on administration needed on the provider and insurance side only drives up costs more. The system is overutlizied and abused and the more it is, the more insurance companies install measures (and costs) to try to help reduce abuse.
Posted on 9/29/21 at 8:06 am to yellowfin
quote:
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
Same it was like being raped twice.
Ditto with my stress and sleep tests. Insurance covered none of it.
Next test I need I'm going out of country.
Posted on 9/29/21 at 8:09 am to Hammond Tiger Fan
Looks like you gambled with the HSA/high deductible idea and lost this time, eh? Not sure how old your family is, but you might want to lower that deductible a little as you and your spouse age. You're going to have more expenses and they will just get higher and higher.
Posted on 9/29/21 at 8:10 am to LSUfan4444
quote:
the incredibly large amount of money spent on administration needed on the provider and insurance side only drives up costs more.
This was one of the biggest problems with Obamacare.
Ironically, my wife manages a PCP office and often says Medicare is the most efficient insurance provider they deal with. Their patient roster is about 60% Medicare I think. And for more irony, Medicare contracts out payment arm to the insurance companies.
Posted on 9/29/21 at 8:13 am to Hammond Tiger Fan
$170 a month premium is low for a family plan.
I was paying close to $1200 a month for a family plan. Switched employers and got it down to about $370 monthly. It's really important to look at how much "benefits" will cost.
I was paying close to $1200 a month for a family plan. Switched employers and got it down to about $370 monthly. It's really important to look at how much "benefits" will cost.
Posted on 9/29/21 at 8:14 am to madamsquirrel
quote:
If you don't fix the knee the limp will cause you to need a hip replacement also. That will cost more.
Not much more, his max out of pocket is only $4,500 more.
To OP; is this a bitch post (rightfully so), or were you legitimately surprised that you would be responsible for the first $10k of your medical costs?
Posted on 9/29/21 at 8:16 am to The Spleen
quote:
my wife manages a PCP office and often says Medicare is the most efficient insurance provider they deal with.
Thats because they pay for almost everything without any effort to limit costs....which is also why medicare for all is a myth. The Medicare system is broken because it's not managed care...its the wild wild west and the amount of overuse and abuse on the medicare system is INSANE.
It's like a giant cookie jar put in the middle of a 4th grade classroom with endless cookies and nobody to stop any kid from grabbing a cookie. As the abuse and over-utilization increased so did the efforts and costs to prevent it.
More cost affordable models are out there and becoming more common because the medicare fee for service model is an absolute disaster.
25 billion last year
This post was edited on 9/29/21 at 8:18 am
Posted on 9/29/21 at 8:18 am to The Spleen
quote:
Tying it to your job was one of the dumbest mistakes this country has made as far as domestic policy.
Agreed, but that it also the only way they can make it affordable. Hell, before Obamacare, it was the only way a lot of people were insurable without extensive waiting periods or a list of things that would not be covered.
quote:
Health insurance in this country has sucked for a looooooong time.
Chicken & egg question. Did health insurance start sucking when the populace started become ridiculously unhealth. Or, did people start becoming ridiculously unhealthy because the health insurance start sucking
Posted on 9/29/21 at 8:19 am to Hammond Tiger Fan
quote:
My premium is about $170/month, deductible is $10,000, and max out of pocket is $13,500.
Yeah but cheer up. You get to help provide insurance for millions of other people.
Posted on 9/29/21 at 8:41 am to The Spleen
quote:
I broke my arm in my early 20's that required an outpatient surgery. I had opted for the cheapest insurance plan at work because I thought I was invincible and would never use it. That was a $9k mistake, and I've always gotten the max available health insurance since then.
Can you provide the numbers for some context?
For example, If your plan is $750/month you are locking yourself into a $9,000 bill each year, at minimum. Whereas if your high deductible plan is $150/month you are looking at $1,800.
You aren’t going to break your arm every year.. still seems like high deductible would play out as the better option long term.
Posted on 9/29/21 at 8:46 am to PhiTiger1764
quote:
Can you provide the numbers for some context?
No. This was almost 30 years ago and I've forgotten a lot the specifics. All I know is I had a very bare bones policy through my job(maybe $75 per pay period?), broke my arm on a Sunday afternoon and had to go to ER, then had to go to orthopedist the next day, then outpatient surgery that week, then physical therapy. I was young and dumb, and I think the ER I went to was out of network. Or maybe the PT was. Can't remember. It was a major headache and a heavy dose of reality to a young guy just out of college.
And I certainly take some responsibility for opting for the cheap plan. Lesson learned.
Posted on 9/29/21 at 8:52 am to greygoose
quote:
Mine is $1200 for a family of 3. Went to a dermatologist the other day about a suspicious mole. Cost me over $300.
I'm beginning to think I don't have insurance, just an expensive card in my wallet.
fricking ridiculous. We’re 975 for a family of 3.
We pay a shite ton of money every month, so if something bad happens we can pay another shite ton of money so we don’t have to pay a double frick ton of money… A frick ton is more than a shite ton in this scenario.
Posted on 9/29/21 at 8:54 am to Hammond Tiger Fan
Threaten to sue. If you can make if it’s a need not want.
Posted on 9/29/21 at 9:12 am to Hammond Tiger Fan
quote:
My premium is about $170/month, deductible is $10,000, and max out of pocket is $13,500.
Holy crap that's cheap. Try $1200/mo and $17k before my insurance pays anything. Plus I set aside another $1k a month for uncovered medical expenses like dental.
So do the math on this. I pay $14,400 a year just for the pleasure of being insured against something catastrophic happening. Otherwise during the year I get to pay out of pocket for all of our miscellaneous small medical issues.
I look at this yearly premium as nothing more than a wealth distribution scheme to the medical industrial complex and subsidies to all of the folks on the exchanges.
I won't be getting any procedures done until I'm 65 and on Medicare...
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