Health insurance plans
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@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?
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@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.
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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.
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Didn't realise your healthcare insurance costs that much. Damn.
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@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.
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@iroal said in Health insurance plans:
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.
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Man i'm glad to have the NHS here in the UK. all this seems complex and expensive
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@Dashrender said in Health insurance plans:
@iroal said in Health insurance plans:
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.
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@Dashrender said in Health insurance plans:
@iroal said in Health insurance plans:
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.
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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.
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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!
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@pchiodo said in Health insurance plans:
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.
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@JaredBusch said in Health insurance plans:
@pchiodo said in Health insurance plans:
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!!!
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Holy cow...
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And look what just hit my inbox.
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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 -
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.
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@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!
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@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.
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@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.
