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Posted on 6/18/24 at 10:41 pm to cbtullis
quote:
I’m thinking about getting rid of medical insurance
I dont recommend it
At 35 I gave up medical ins. I ended up with $25,000 in medical debt. And that was after about $55,000 was written off, or forgiven by some of the providers. Plus, it was around 20 years ago. Costs are staggeringly higher now.
The Catholic hospital would not budge a cent, btw. Took me over 10 years to get out of that hole
Posted on 6/18/24 at 10:54 pm to cbtullis
quote:
So what am I missing?
A serious accident or illness can happen even to those who are young and healthy.
Posted on 6/18/24 at 11:29 pm to cbtullis
quote:
Anyone done this?
As part of my profession of over 20 years, I negotiate medical bills down to pennies on the dollar for clients. You have to treat medical providers like insurance companies do. Take what I’m offering or FAFO.
I negotiated an $80k total medical bill with a $12k out of pocket down to $1000 for a pretty catastrophic medical event for my SO. I told them she doesn’t have shite so go for it but I have a few bucks now if they want something rather than fighting to get nothing. The numbers they will actually take are way lower than most people think they will take in many cases. If you are in tune with the reimbursement rates they take for certain procedures it puts you in a high leverage negotiating position.
Posted on 6/18/24 at 11:31 pm to texas tortilla
I wish we had PMs bc I'd love to get the doctors name
Posted on 6/19/24 at 5:02 am to cbtullis
quote:
So what am I missing?
I can think of two big ones that impacted our family.
- Cancer for sure. I had four (4) surgeries, radiation, etc.over a decade that cost over a $1M.
- Pre mature child birth. Three children born separately and all early with. varying length hospital stays and a mother with extensive pre natal care/ monitoring, and multiple hospital stays.
Posted on 6/19/24 at 5:18 am to BozemanTiger
quote:
literally strive to keep inflammation as low as possible through dietary means
Can you expand on this?
What inflammation? And why is keeping it low important?
Posted on 6/19/24 at 7:46 am to cbtullis
quote:
Anyone done this?
I mean the more I look at the cost what we spend as family what’s the point?
And if we have catastrophic event taxpayers pay for it anyways and now it doesn’t effect credit
So what am I missing?
As long as you have no assets for anyone to place a lien and trust that emergency room care will take care of you if a major emergency occurs, then go for it. People go into emergency rooms for free care every day that people like us with insuarnce pay for.
However, if you own a home or expensive toys or don't trust that emergency room care will equal paid-for care, then it's probably not a good idea.
Posted on 6/19/24 at 8:54 am to BozemanTiger
quote:
Maybe because I wanted to stress one point over another?
There is no difference between “strive” and “literally strive”. None!
Posted on 6/19/24 at 9:05 am to AUauditor
You also have to be ok getting your care at the large state run hospital. The other not for profits will let you in through the ED but otherwise you won’t even get an appointment with a specialist, much less surgery, chemo, etc without paying for it upfront.
This post was edited on 6/19/24 at 9:06 am
Posted on 6/19/24 at 9:17 am to rebelrouser
quote:
Cancer.
If one goes uninsured and they get the big C, the chips will then fall where they may. We all gotta go out some way. For the uninsured, it may as well be cancer.
Posted on 6/19/24 at 9:26 am to dstone12
$2450/mo….holy crap. Idk how average people afford those premiums. Also have BCBS. Just for me and my wife was around $1k/mo. She spent almost two weeks in the hospital when she got diagnosed with Crohn’s. Drained the HSA card to meet deductible. Even after meeting that we got billed thousands for labs at the specialists. They ended up dropping her GI doc from their network and now have to go 2.5 hours to see another one. Only saving grace is paying $50/mo for a biologic treatment that would otherwise cost $10k/mo, but if you’re on Medicare it would only cost $5/mo. Whole thing is a racket.
Posted on 6/19/24 at 9:32 am to 10thyrsr
quote:
If you can find someone who operates outside of that Monopoly, then you are gold. This is rare.
Exactly- unless you live in Puerto Vallarta
Posted on 6/19/24 at 9:34 am to cbtullis
Medical insurance does nothing. It’s all in Gods hands, not some idiotic doctor.
Posted on 6/19/24 at 9:35 am to IamNotaRobot
Medicare is pretty painless. Hand a major injury to my finger. Have seen a few doctors including hand surgeon, occupational therapy and throw in an emergency room visit. I've not paid a dime out of pocket for deductible. If you healthy guys can make it to 65, you will be good as gold.
Posted on 6/19/24 at 9:36 am to cbtullis
When you do get sick though the difference when you need it is absolutely noticable
Posted on 6/19/24 at 9:42 am to dstone12
quote:
Bilateral knee replacement was over 200k for which Blue Cross said they'd pay
LOL. The system charges that amount on paper. You can negotiate a cash pay price for the same procedure at a fraction of that. Around 18k for an outpatient hospital.
But in your case, sure. But a healthy 30 yr old in no way should pay the same premium as an unhealthy man like yourself, no disrespect. He should have the RIGHT to choose a hospital/surgical plan only, after say a 10k deductible, and be able to put his money where he wants, instead of helping pay your costs.
The issue isn't the procedure and getting it paid, the issue is the insured cost being over 10 x's the cost of a cash pay
Posted on 6/19/24 at 9:44 am to ChatGPT of LA
Young ones need to start funding the HSA early on and to the max.
Posted on 6/19/24 at 9:49 am to aTmTexas Dillo
quote:
aTmTexas Dillo
No, as$hat.
Young ones need to start learning how to fend for themselves.
All of you bent mofos want to steal away the pure satisfaction had by providing for one's self through self-enterprise.
Eat a raw bag of dicks.
This post was edited on 6/19/24 at 9:51 am
Posted on 6/19/24 at 9:52 am to BozemanTiger
quote:
All of you bent mofos want to steal away the pure satisfaction had by providing for one's self through self-enterprise.
It’s typical with liberals, especially young ones. They don’t want to do anything to help themselves, just make it somebody else’s problem.
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