ML
    • Recent
    • Categories
    • Tags
    • Popular
    • Users
    • Groups
    • Register
    • Login

    Health insurance plans

    Scheduled Pinned Locked Moved IT Discussion
    health insurance
    53 Posts 15 Posters 7.1k Views
    Loading More Posts
    • Oldest to Newest
    • Newest to Oldest
    • Most Votes
    Reply
    • Reply as topic
    Log in to reply
    This topic has been deleted. Only users with topic management privileges can see it.
    • DashrenderD
      Dashrender @scottalanmiller
      last edited by

      @scottalanmiller said in Health insurance plans:

      @Dashrender said in Health insurance plans:

      @scottalanmiller said in Health insurance plans:

      Travelers in our situation are caught in a missed situation where Obamacare doesn't cover us but we still get the penalty. It's not that I'm not allowed to pay for coverage, there is just not requirement for me to be covered.

      I'm lost again, first you say

      but we still get the penalty

      then you say

      there is just not requirement for me to be covered.

      If there's no requirement, then how could there be a penalty?

      Because the penalty is for not having insurance, not for being covered. I am penalized unless I pay for insurance that doesn't cover me. There is no coverage available that qualifies for not getting the penalty. There is insurance that I'm supposed to have, but no coverage. It's 100% a tax on people in my situation to pay for everyone else's healthcare and none of our own. It's creating the exact situation they claimed the law was to fix.

      OK I'm remembering this from before now.

      And example might be - Obama care requires that your insurance provide yearly wellness at not extra cost to you. And a plan that you would consider buying doesn't include that. And a plan that does include that is worthless to you all of your international traveling days.

      1 Reply Last reply Reply Quote 0
      • DashrenderD
        Dashrender @iroal
        last edited by

        @iroal said in Health insurance plans:

        @Dashrender

        My plan works as follows:
        Premium per month: $338
        Employer pays $282, I pay $56
        My deductible is $5350/yr which I'm 100% responsible for, after the deductible is met, the insurance company pays 100% of covered costs.

        I can't understand how in USA is so expensive.

        In Spain sanity is free and cover you anything, It's not perfect, sometimes can take month a simple scanner, but It works fine.

        If you want you can pay for a private secure but you pay about 50-70€ per month no 300€ as I read.

        Right, that's because you pay taxes to pay for these services. So you are paying, just not directly to the medical institutions.

        iroalI scottalanmillerS 2 Replies Last reply Reply Quote 0
        • hobbit666H
          hobbit666
          last edited by

          Man i'm glad to have the NHS here in the UK. all this seems complex and expensive 🙂

          1 Reply Last reply Reply Quote 1
          • iroalI
            iroal @Dashrender
            last edited by

            @Dashrender said in Health insurance plans:

            @iroal said in Health insurance plans:

            @Dashrender

            My plan works as follows:
            Premium per month: $338
            Employer pays $282, I pay $56
            My deductible is $5350/yr which I'm 100% responsible for, after the deductible is met, the insurance company pays 100% of covered costs.

            I can't understand how in USA is so expensive.

            In Spain sanity is free and cover you anything, It's not perfect, sometimes can take month a simple scanner, but It works fine.

            If you want you can pay for a private secure but you pay about 50-70€ per month no 300€ as I read.

            Right, that's because you pay taxes to pay for these services. So you are paying, just not directly to the medical institutions.

            Yes I pay it with my Taxes but if I'm unemployee I also get these services, even If I've never work before.

            And I'm sure that, in global, I pay less in sanity that in USA, Sanity cover you 80-90% of main medicaments.

            1 Reply Last reply Reply Quote 0
            • scottalanmillerS
              scottalanmiller @Dashrender
              last edited by

              @Dashrender said in Health insurance plans:

              @iroal said in Health insurance plans:

              @Dashrender

              My plan works as follows:
              Premium per month: $338
              Employer pays $282, I pay $56
              My deductible is $5350/yr which I'm 100% responsible for, after the deductible is met, the insurance company pays 100% of covered costs.

              I can't understand how in USA is so expensive.

              In Spain sanity is free and cover you anything, It's not perfect, sometimes can take month a simple scanner, but It works fine.

              If you want you can pay for a private secure but you pay about 50-70€ per month no 300€ as I read.

              Right, that's because you pay taxes to pay for these services. So you are paying, just not directly to the medical institutions.

              But they pay lower taxes. So in comparison, they get paid for healthcare.

              1 Reply Last reply Reply Quote 1
              • JaredBuschJ
                JaredBusch
                last edited by JaredBusch

                This glorious plan pictured below costs me a measly $701.47 per month for a family of 4.

                That comes to $8417.64 per year.

                This year has only been well child visits.

                0_1478271929094_upload-fb6c54eb-1b04-455e-a155-8080ee988998

                0_1478272252220_upload-a136b318-488e-42f9-86bf-97dce39e821c

                pchiodoP BRRABillB PSX_DefectorP 3 Replies Last reply Reply Quote 0
                • pchiodoP
                  pchiodo @JaredBusch
                  last edited by

                  @JaredBusch

                  If I'm reading this right, you're out of pocket for over $20,000 a year if you have something major? WTF - How can they expect anyone to be on the hook for $20K/year for medical. unless you needed major surgery, you could get a heck of a lot of preventive, and incident based care for those dollars. Extrapolate over 5 years, and my god man, that's a house!

                  JaredBuschJ 1 Reply Last reply Reply Quote 1
                  • JaredBuschJ
                    JaredBusch @pchiodo
                    last edited by

                    @pchiodo said in Health insurance plans:

                    @JaredBusch

                    If I'm reading this right, you're out of pocket for over $20,000 a year if you have something major? WTF - How can they expect anyone to be on the hook for $20K/year for medical. unless you needed major surgery, you could get a heck of a lot of preventive, and incident based care for those dollars. Extrapolate over 5 years, and my god man, that's a house!

                    Don't you love the US healthcare system?

                    It was this fucked up before the ACA, but before the ACA, all of us could skip out or get more selective coverage.

                    The ACA has just forced it all into the light.

                    scottalanmillerS 1 Reply Last reply Reply Quote 2
                    • scottalanmillerS
                      scottalanmiller @JaredBusch
                      last edited by

                      @JaredBusch said in Health insurance plans:

                      @pchiodo said in Health insurance plans:

                      @JaredBusch

                      If I'm reading this right, you're out of pocket for over $20,000 a year if you have something major? WTF - How can they expect anyone to be on the hook for $20K/year for medical. unless you needed major surgery, you could get a heck of a lot of preventive, and incident based care for those dollars. Extrapolate over 5 years, and my god man, that's a house!

                      Don't you love the US healthcare system?

                      It was this fucked up before the ACA, but before the ACA, all of us could skip out or get more selective coverage.

                      The ACA has just forced it all into the light.

                      Hard to believe anyone didn't know before. But they didn't, it's true. We looked at this over and over and were like... if we just saved the money instead of paying for insurance, we'd get more coverage in a year than the insurance even covers!!!

                      1 Reply Last reply Reply Quote 2
                      • BRRABillB
                        BRRABill @JaredBusch
                        last edited by

                        @JaredBusch

                        Holy cow...

                        1 Reply Last reply Reply Quote 1
                        • JaredBuschJ
                          JaredBusch
                          last edited by

                          And look what just hit my inbox.
                          0_1478273765033_IMG_5046.PNG

                          1 Reply Last reply Reply Quote 0
                          • momurdaM
                            momurda
                            last edited by momurda

                            Wow. What a scam. 700/month and that's about the worst health coverage ive ever seen.
                            edit: Just look at those deductible amounts! Might as well not have insurance and just pay Urgent Care a la carte

                            1 Reply Last reply Reply Quote 2
                            • JaredBuschJ
                              JaredBusch
                              last edited by

                              Oh and the email thinks I did not enroll because I deal with a broker. same plans but a real person to deal with instead of the healthcare.gov site.

                              1 Reply Last reply Reply Quote 0
                              • PSX_DefectorP
                                PSX_Defector @JaredBusch
                                last edited by

                                @JaredBusch said in Health insurance plans:

                                This glorious plan pictured below costs me a measly $701.47 per month for a family of 4.

                                That comes to $8417.64 per year.

                                This year has only been well child visits.

                                Your coverage is fairly good for the price. Our company's deductibles are a little better than yours, 5K per individual and 10K for family total, but our company pays $2500 a month for that. Employee kicks in ~$700 for a family plan. Single folk pay nuthin'.

                                Health insurance is expensive. Our reliance on our employer to supply it has been the biggest problem. Insurance companies being dicks about individual policies doesn't help either.

                                But, to give perspective, your price ain't bad, especially in a more regulatory state. Texas is a rubber stamp at the Department of Insurance. Oh, BCBSTX you want to raise rates 50000%, of course you can!

                                coliverC 1 Reply Last reply Reply Quote 1
                                • coliverC
                                  coliver @PSX_Defector
                                  last edited by

                                  @PSX_Defector said in Health insurance plans:

                                  @JaredBusch said in Health insurance plans:

                                  This glorious plan pictured below costs me a measly $701.47 per month for a family of 4.

                                  That comes to $8417.64 per year.

                                  This year has only been well child visits.

                                  Your coverage is fairly good for the price. Our company's deductibles are a little better than yours, 5K per individual and 10K for family total, but our company pays $2500 a month for that. Employee kicks in ~$700 for a family plan. Single folk pay nuthin'.

                                  Health insurance is expensive. Our reliance on our employer to supply it has been the biggest problem. Insurance companies being dicks about individual policies doesn't help either.

                                  But, to give perspective, your price ain't bad, especially in a more regulatory state. Texas is a rubber stamp at the Department of Insurance. Oh, BCBSTX you want to raise rates 50000%, of course you can!

                                  Man, I am lucky. We pay 173$/month for my family plan. It's a cadillac plan. 10$ copays all around and a huge reduction in prescription costs.

                                  dafyreD JaredBuschJ 2 Replies Last reply Reply Quote 0
                                  • M
                                    marcinozga @Dashrender
                                    last edited by

                                    @Dashrender said in Health insurance plans:

                                    I consider my plan pretty OK, perhaps not great, but definitely not bad.

                                    Now the other plan I just heard about (and also confirmed is completely possible) is as follows:

                                    Premium per month: unknown
                                    Employer pays 100% of premium
                                    Deductible is $8000, after which 80% of covered costs are paid.

                                    HSA is the same as above as federally mandated.

                                    This plan seemed outrageous at first, but after an offline discussion, it is this way because the employer wanted a lower premium cost.

                                    That plan is in violation of ACA, max out of pocket per year is $6850 (it goes up next year), after that insurance must cover 100%.
                                    Either way, the only acceptable insurance plan is the one when it costs me $0. No deductible, no copays, no out of pocket expenses. Unfortunately it won't happen in US.

                                    1 Reply Last reply Reply Quote 1
                                    • dafyreD
                                      dafyre @coliver
                                      last edited by

                                      @coliver said in Health insurance plans:

                                      @PSX_Defector said in Health insurance plans:

                                      @JaredBusch said in Health insurance plans:

                                      This glorious plan pictured below costs me a measly $701.47 per month for a family of 4.

                                      That comes to $8417.64 per year.

                                      This year has only been well child visits.

                                      Your coverage is fairly good for the price. Our company's deductibles are a little better than yours, 5K per individual and 10K for family total, but our company pays $2500 a month for that. Employee kicks in ~$700 for a family plan. Single folk pay nuthin'.

                                      Health insurance is expensive. Our reliance on our employer to supply it has been the biggest problem. Insurance companies being dicks about individual policies doesn't help either.

                                      But, to give perspective, your price ain't bad, especially in a more regulatory state. Texas is a rubber stamp at the Department of Insurance. Oh, BCBSTX you want to raise rates 50000%, of course you can!

                                      Man, I am lucky. We pay 173$/month for my family plan. It's a cadillac plan. 10$ copays all around and a huge reduction in prescription costs.

                                      Dang... Can I come work for you?

                                      Our insurance is $400 a month. We pay everything up to $3,500 for a single person, or $7,000 for family.

                                      Only met that $3500 once...

                                      1 Reply Last reply Reply Quote 0
                                      • JaredBuschJ
                                        JaredBusch @coliver
                                        last edited by

                                        @coliver said in Health insurance plans:

                                        @PSX_Defector said in Health insurance plans:

                                        @JaredBusch said in Health insurance plans:

                                        This glorious plan pictured below costs me a measly $701.47 per month for a family of 4.

                                        That comes to $8417.64 per year.

                                        This year has only been well child visits.

                                        Your coverage is fairly good for the price. Our company's deductibles are a little better than yours, 5K per individual and 10K for family total, but our company pays $2500 a month for that. Employee kicks in ~$700 for a family plan. Single folk pay nuthin'.

                                        Health insurance is expensive. Our reliance on our employer to supply it has been the biggest problem. Insurance companies being dicks about individual policies doesn't help either.

                                        But, to give perspective, your price ain't bad, especially in a more regulatory state. Texas is a rubber stamp at the Department of Insurance. Oh, BCBSTX you want to raise rates 50000%, of course you can!

                                        Man, I am lucky. We pay 173$/month for my family plan. It's a cadillac plan. 10$ copays all around and a huge reduction in prescription costs.

                                        But what does your company pay?

                                        DashrenderD 1 Reply Last reply Reply Quote 0
                                        • DashrenderD
                                          Dashrender @JaredBusch
                                          last edited by

                                          @JaredBusch said in Health insurance plans:

                                          @coliver said in Health insurance plans:

                                          @PSX_Defector said in Health insurance plans:

                                          @JaredBusch said in Health insurance plans:

                                          This glorious plan pictured below costs me a measly $701.47 per month for a family of 4.

                                          That comes to $8417.64 per year.

                                          This year has only been well child visits.

                                          Your coverage is fairly good for the price. Our company's deductibles are a little better than yours, 5K per individual and 10K for family total, but our company pays $2500 a month for that. Employee kicks in ~$700 for a family plan. Single folk pay nuthin'.

                                          Health insurance is expensive. Our reliance on our employer to supply it has been the biggest problem. Insurance companies being dicks about individual policies doesn't help either.

                                          But, to give perspective, your price ain't bad, especially in a more regulatory state. Texas is a rubber stamp at the Department of Insurance. Oh, BCBSTX you want to raise rates 50000%, of course you can!

                                          Man, I am lucky. We pay 173$/month for my family plan. It's a cadillac plan. 10$ copays all around and a huge reduction in prescription costs.

                                          But what does your company pay?

                                          Exactly what I was thinking!!!

                                          1 Reply Last reply Reply Quote 0
                                          • JaredBuschJ
                                            JaredBusch
                                            last edited by

                                            Just got done going through the initial application process on HealthCare.gov.

                                            I was greeted with these lovely numbers.

                                            For the record, I had a Silver plan for ~$750 for 2016.

                                            My annual Adjusted Gross Income is too high, by $5,000, to qualify for government subsidies to offset any portion of these costs.
                                            0_1478646054318_upload-835fa56c-3033-4257-93d8-b97867a7d8f1

                                            PSX_DefectorP 1 Reply Last reply Reply Quote 0
                                            • 1
                                            • 2
                                            • 3
                                            • 2 / 3
                                            • First post
                                              Last post