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re: Is anyone else's medical insurance plan as crappy as mine?
Posted on 9/14/19 at 11:49 pm to Hammond Tiger Fan
Posted on 9/14/19 at 11:49 pm to Hammond Tiger Fan
Unless I’m missing something weird about your structured payment system, and not to make light of your situation, but for a family paying around $185 per month with an out-of-pocket max of $13,500 doesn’t sound that horrible. For some perspective I’m a mid-thirties, single, non-smoker and I pay $503 per month with a $3,500 deductible and an out-of-pocket max of around $10,000.
It does appear that your system causes you to come more out-of-pocket in the beginning than most plans. Maybe you can look into the non-employer options and get more of that cost pushed to the back end, but be prepared to pony up if something major happens. The days of “really good” coverage are over and anyone who claims to have something cheap isn’t factoring what their employer is paying.
You can thank Obama and all his ilk for this shite. Before Obamacare I was paying $122 per month with a $700 deductible.
It does appear that your system causes you to come more out-of-pocket in the beginning than most plans. Maybe you can look into the non-employer options and get more of that cost pushed to the back end, but be prepared to pony up if something major happens. The days of “really good” coverage are over and anyone who claims to have something cheap isn’t factoring what their employer is paying.
You can thank Obama and all his ilk for this shite. Before Obamacare I was paying $122 per month with a $700 deductible.
Posted on 9/15/19 at 12:06 am to Hammond Tiger Fan
That's not that bad actually. Your premium is low enough to where you shouldn't hurt too much contributing to your HSA.
And the HSA offers insane tax benefits that you're obviously not accounting for.
And the HSA offers insane tax benefits that you're obviously not accounting for.
Posted on 9/15/19 at 12:09 am to Hammond Tiger Fan
I pay $0 dollars at the VA. It’s risky and I could die in the wait room, but the savings can’t be overlooked. Those trips to 30A don’t pay for themselves.
Posted on 9/15/19 at 12:23 am to Hammond Tiger Fan
Wow! Yeah that’s a pretty weak plan, but obviously better than some.
I pay around 320/month for entire family. $25 copays and most scripts are $5 or less. I think individual deductible is $2K and oop max is around $6K.
I pay around 320/month for entire family. $25 copays and most scripts are $5 or less. I think individual deductible is $2K and oop max is around $6K.
Posted on 9/15/19 at 12:28 am to fatboydave
quote:
You can thank that worthless POS Obama and never vote for any rotten sonofabitch democrat ever
Agreed
Hard working American taxpayers are forced to subsidize the coverage for others while incurring huge increases in their own premiums and having their co-payments and deductibles doubled. It was the Democrats who passed the law. We had to totally disrupt health coverage that many were happy with, had to endure a total revision of the healthcare system all for less than 3% of the population of this country. The Democrat Congress and President Obama passed a defective bill and will continue to pay the price for it. The Democrat Congress had to assure Obama got his signature accomplishment. The Democrats now own it lock, stock and barrel.
The Democrats can be proud of themselves. They gave Obama his signature accomplishment and now the Democrats own it. It would have been better for Congress to have allocated an assigned risk pool of funds to assist those who were shut out of the standard insurance markets by pre-existing conditions instead of this giant exercise in absurdity and lunacy.
Most people with Obamacare policies are unable to access their coverage due to prohibitive deductibles and co - payments. The Affordable Care Act was nothing more than a huge transference of wealth. It is amazing that a benefit which was previously provided by employers on a voluntary basis has now been placed under governmental control, forcing certain employers to provide the benefits or be fined, while telling them how the benefits are to be paid, how much they must pay, what is covered and deciding which of their employees lifestyles are to be subsidized by other employees.
In addition we were also being forced to subsidize health insurers through reimbursement corridors and subsidies when they were required to discard actuarial prognostications to assume any all risks with the knowledge that if their profits dropped accordingly the taxpayers would make up the difference. Now the courts have finally reigned in this assault on our constitution by the Obama administration.
Yes, the " uninsured rate " may have dropped . Much of this is due to the mandate to purchase ( the first time in the history of this country the populace is forced to purchase a product just for existing) and those who would have been eligible for Medicaid even without the Affordable Care Act. The courts have also struck this down.
When the Democrats were passing the ACA we were told, depending on the audience that there were 30,000,000 to 50,000,000 uninsured people in the country who would benefit from passing the ACA. Lets split it and call it 40 million uninsured. If those numbers were true then there should have been a stampede to sign up for coverage last year and this year. It was eventually exposed and finally admitted by the administration that they had lied and the number of signups was actually 6.3 million and not the 8.7 million they touted until they were exposed.
We were lied to again and again and again by the Obama administration. Jonathan Gruber, one of the plan's major architects confirmed the level of deceit by the Democrats. Hard working tax paying citizens are being forced to subsidize health care for others, meanwhile many have lost their own coverage and are being forced to purchase insurance with higher premiums and higher deductibles and co-payments. Despite Obama's claim it would reduce premiums an average of $2,500.00 per family the costs actually rose exponentially.
Posted on 9/15/19 at 12:42 am to tigersbb
That’s a wall of text that explains why this is Obama’s fault but it’s only Obama’s fault in the sense that it’s a pilots fault he crashed a faulty plane. His goal of insuring Americans only brought out the ugliness that is American healthcare and insurance. The Medical industry was broken before Obama and is broken after, the difference is that the insurance industry has criminally found and opportunity to brainwash people into think it’s anyone else fault but theirs that they’re gouging the frick out of people. And instead of making these companies walk the plank, we continue to allow lobbyist to convince us it’s the lower classes reason why a one night stay for an infection costs $30,000. It’s the opportunity of life and death that they’ve exploited for profit. Insurance may have allowed us to get a flu test for free before Obama but it still cost an uninsured person $400 and that is an absolute travesty in its own right. Medical billing should be that a $10 test cost $10 for uninsured Joe and $0 for insured mike. Currently a $10 test costs $400 for insured mike and $1000 for uninsured Joe that in being completely unable to pay makes insured joes $400 and is in 0 ways Mikes fault.
Posted on 9/15/19 at 12:58 am to Hammond Tiger Fan
Join the National Guard. $218/month premium for full family, $300 deductible and $1k oop max.
With small kids, we’re at the doctor all the time. I’m self employed and was paying $800/month and 7500 deductible before kids and Obamacare. Can’t imagine how much it would be now.
With small kids, we’re at the doctor all the time. I’m self employed and was paying $800/month and 7500 deductible before kids and Obamacare. Can’t imagine how much it would be now.
Posted on 9/15/19 at 1:04 am to Hammond Tiger Fan
quote:
My employer only offers one plan. It's a HDHCP and I'm covering the family with $6,750 deductible for the first person, whoever is the first to meet that that person is covered 100%. The remaining family must meet $10,000, then a 70/30 co-insurance kicks in until a max of pocket is reached of $13,500. Prescriptions don't count towards deductibles either!! Employer contribution is $1,000 towards H
Is your max out of pocket 13,500 or 6,750 + 13,500 ?
With this plan the max out of pocket is what matters most.
Posted on 9/15/19 at 1:08 am to Hammond Tiger Fan
It’s not even worth the $2400 per year in premiums. Frick that
Posted on 9/15/19 at 1:34 am to Hammond Tiger Fan
Your monthly premiums of $185 for a family are in the top 1% (meaning cheapest).
Your out of pocket max $13,500 is literally the max, so bottom 1%.
Roughly $9k deductible ($10k - $1k contributed by employer) is around $750/mo, so added to your $185/mo premium the insurance costs you $900+ mo to use it.
That sucks donkey dick.
Your employer is a big time jew.
I'm guessing you work for a <100 emp company?
I don't have any solutions other than getting all of the employees to bitch loud enough in the next 2 weeks that when 2020 open enrollment beings next month the boss man either chooses another provider or ups the contribution to $5k.
Your out of pocket max $13,500 is literally the max, so bottom 1%.
Roughly $9k deductible ($10k - $1k contributed by employer) is around $750/mo, so added to your $185/mo premium the insurance costs you $900+ mo to use it.
That sucks donkey dick.
Your employer is a big time jew.
I'm guessing you work for a <100 emp company?
I don't have any solutions other than getting all of the employees to bitch loud enough in the next 2 weeks that when 2020 open enrollment beings next month the boss man either chooses another provider or ups the contribution to $5k.
This post was edited on 9/15/19 at 1:40 am
Posted on 9/15/19 at 2:30 am to windshieldman
quote:
A few years ago my deductible for family plan went from $500 to $4,000. Prescription from $250 and $7 once you meet deductible to $2,000 and once you meet deductible 20%. Dental went from 2 free cleanings a year to one and any procedure outside cleaning all out of pocket. My premium went from $110 a month to $205. We do have a $4,000 HSA but with 6 people and stuff like wisdom teeth, wife’s surgery, etc gets wiped out quick. Wife and I both got flu this past February. I came down first and it was a $330 bill for flu test, wife got sick and went and got tested and another $330 bill. She should have stayed her arse home
Posted on 9/15/19 at 5:30 am to Hammond Tiger Fan
quote:
family with $6,750 deductible
quote:
The remaining family must meet $10,000, then a 70/30 co-insurance kicks in until a max of pocket is reached of $13,500
quote:
The premiums are $92.60, twice per month.
Multiply your premiums by 5 and welcome to what self insurers pay
Posted on 9/15/19 at 5:37 am to Hammond Tiger Fan
The term, "coinsurance" insults my intelligence. Just call it no insurance.
Posted on 9/15/19 at 5:51 am to Hammond Tiger Fan
quote:
is what I have is becoming the norm?
About the norm now.
My wife's insurance is over $800 a month with a $6200 deductible.
Posted on 9/15/19 at 6:00 am to Hammond Tiger Fan
Sorry man. these days its the working man with a family that gets taken to the wood shed while others with no income can walk into Emergency room every week and hardly pay anything. Its pretty sad when your in pain and probably should go to the hospital but decline because of the incoming financial disaster that the trip may cause.
Posted on 9/15/19 at 6:02 am to Hammond Tiger Fan
quote:
To me a plan constructed like this discourages you from even trying to use it
You can thank Obama for this, he screwed every working man's insurance up.
Of course if you quit working and go on welfare it's all free
Posted on 9/15/19 at 6:10 am to TigerOnTheMountain
quote:
I pay $0 dollars at the VA. It’s risky and I could die in the wait room, but the savings can’t be overlooked. Those trips to 30A don’t pay for themselves.
I could use the VA too, but in my case, I would die in the waiting room.
Posted on 9/15/19 at 6:15 am to The Torch
quote:
You can thank Obama for this, he screwed every working man's insurance up.
100% true.
quote:
Of course if you quit working and go on welfare it's all free
Yep, the cost of what insurance cost is enough to eat away a retirement saving fast.
Posted on 9/15/19 at 6:25 am to Hammond Tiger Fan
I thought mine was bad. This is worse. Sorry.
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