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Posted on 6/11/26 at 5:11 pm to Tarps99
quote:Thank your post WW2 GOP congressmen for this mess.
I am 45 and my rate for insurance for a simple Blue Cross HMO policy with 40 dollar doctor office copays, 100 dollar specialist visits under one one of the Obama Care plans was almost 900 dollars a month with a 1k annual deductible and 500 for meds.
This is way too much for insurance even with a subsidy that would cut the price to 500 a month. Still way too much per month when I don't have to go to the doctor every month.
So I decided to go the uninsured route, I am going to seek out cash prices and see if I could save on every day meds without having to pay Blue Cross.
Posted on 6/11/26 at 5:12 pm to BBONDS25
quote:It is a wonderful story btw. You have no idea how an account like your Dad's hits home and is appreciated. Thanks for sharing.
If he didn’t there wouldn’t be a single ENT in a very Spanish speaking part of town that would provide these surgeries to the community. He would have made more not doing surgery and just seeing patients at that rate. It’s ridiculous.
Posted on 6/11/26 at 5:17 pm to Tarps99
quote:Check out Medishare. Not a recommendation per se. I literally know nothing of the particulars. But I understand there are many satisfied customers
So I decided to go the uninsured route, I am going to seek out cash prices and see if I could save on every day meds without having to pay Blue Cross.
Posted on 6/11/26 at 5:20 pm to BHS78
quote:
Why would anyone get insurance if they get they same price that insurance pays.
You can pay way less than private insurance if you're smart.
Posted on 6/11/26 at 5:21 pm to NC_Tigah
Why don't insurers have an app where you can key in the NPI, ICD-10 codes, and CPT codes and it can tell you your out of pocket?
Posted on 6/11/26 at 5:21 pm to NC_Tigah
Posted on 6/11/26 at 5:27 pm to Bestbank Tiger
quote:
Why don't insurers have an app where you can key in the NPI, ICD-10 codes, and CPT codes and it can tell you your out of pocket?
United healthcare has a Surest plan that does this. There is an app and you can shop the lowest price. For example you need an XR you can see what imaging facility has the lowest contracted rate. There are a few annoyances about it (surgeon doesn’t operate at the cheapest facility so you’re paying more for somewhere else, and getting the provider to send the order to another place etc. ).
Posted on 6/11/26 at 5:30 pm to Bestbank Tiger
quote:
Why don't insurers have an app where you can key in the NPI, ICD-10 codes, and CPT codes and it can tell you your out of pocket?
Well every policy is potentially different in terms of what it allows and pays. BC/BS has something like 55,000 different policies in the US.
They do have websites where you can look up your specific policy but it doesn't usually tell you much, and they always carry a disclaimer that basically says, "We can decide to not pay for something even if your policy says we pay for it." That's a paraphrase, but that's what it means.
3rd party pay is the worst.
Posted on 6/11/26 at 5:49 pm to NC_Tigah
quote:
Someone else noted that uninsured should have to pay negotiated insurance rates. He is 100% right! But that is ... wait 4 it ... against the law.
The healthcare industrial complex basically normalized dynamic pricing.
I don’t trust any of it. I have several doctors in my family but I still avoid medical professionals. It all seems like a big scam.
I do think you have integrity though, NC, and I would trust your professional opinion
Posted on 6/11/26 at 5:51 pm to NC_Tigah
I stopped paying hospital bills under $500. Thanks Biden
Posted on 6/11/26 at 5:56 pm to 4cubbies
quote:
I don’t trust any of it. I have several doctors in my family but I still avoid medical professionals. It all seems like a big scam.
The way you describe yourself on here, you sound like a tin-foil hat wearing conspiracy jockey.
I don't buy it.
Posted on 6/11/26 at 6:04 pm to wackatimesthree
quote:
The way you describe yourself on here, you sound like a tin-foil hat wearing conspiracy jockey.
I’m too tall to be a jockey.
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