Blazor

[Blazor]

Its mandated in all states now AFAIK. Funny thing, we STILL have a charged for no/under insured drivers. What a fukin scam!

That shit just started recently, having to pay an extra amount for folks that don't pay, like WTF! Shit didn't start til all the damn illegals.

[Blazor]

while doctors have always been more expensive than other luxuries, it wasn't until "government assistance" (interference), they began rising like the tides.... the availability of medical services to ppl who wouldn't seek it otherwise plus the guarantee of payment no matter hpw outrageous the bill has incentivized doctors to pad these bills shamelessly and continuously.... the medical industrial complex needs to be torn down to its roots and rebuilt.... not fed, strengthened and emboldend by government funding....

I feel like if not for insurance, I'd prolly be paying less than the 10k Im paying with insurance. Because of not only skyrocketing prices, but I remember back when I questioned doctors early on, asking why it seemed like the bill was more expensive under insurance vs paying out of pocket, and he said "because it don't matter what we charge the insurance, they pay it, you don't".

[Blazor]

i have no "experience" with insurance other than seeing the damage they do.... i've spent about half of my life homeless (and subsequently uninsured).... i generally pay cash or make payments for any medical care that falls outside of my skill range.... 

You paid? Shit kneegrow, I'd file for charity care, and anything else I'd tell them good luck woodchuck 

[Blazor]

If you are not trolling, I did not know that about you. But, I seldom pry into people's personal lives.

Blazor has medical insurance. Maybe when he comes back he can tell us about his plan.

I got much respect for Deader.

What did you need to know? I pay $120 a month, but I think the employer pays like $7k a year.

This is my first job with insurance. I never had insurance til this job. Usually I don't go, only in emergencies. Before I got insurance I also used the Free clinic, but that was a total waste of time.

[Blazor]

LokmarL , been off the crutches a couple weeks now! Im getting there!

[DKG]

I got much respect for Deader.

What did you need to know? I pay $120 a month, but I think the employer pays like $7k a year.

This is my first job with insurance. I never had insurance til this job. Usually I don't go, only in emergencies. Before I got insurance I also used the Free clinic, but that was a total waste of time.

This is helpful.

So yoour portion is $840 per year. With your employer's contribution that is $7840 per year.

What does it cover? Is there a dental, physical therapy, and prescription drug benefit?

We know you have a big deductible.

[DKG]

i'm not trolling.... i have an 8th grade education and i've spent a grand total of about 25 years homeless and outdoors.... i'm an autodidact and can easily pass myself off as a college graduate.... as a boy, i helped my mom study for her various nursing degrees and have working knowledge of basic medicine.... i consider myself a top-notch field medic.... as do most of my family and friends....

Valuable skills to have. 

I don't even have a first aid certificate. My entire working life has been in office settings. I don't need it as much as say someone working with heavy moving equipment.

[formosan]

I mean, there is different plans, I picked the cheapest plan because I don't usually go to the Dr., and this was the first time I worked for a place that offered it. Hell, I wasn't even gonna take it, but my nephew and son pretty much talked me into it for various reasons lol.

I see......better plans would've covered more and you wouldn't have been forced to pay as much for your surgery.

[formosan]

LokmarL , been off the crutches a couple weeks now! Im getting there!

That's wonderful Blazor.

[deadskinmask]

I don't normally go either, only when I absolutely have to. I always love the look on their face when they see I hadn't been there in 10 years or more lol.

my kids and grandkids go regularly.... i don't go at all.... my last visit was a workmans comp situation so i was obligated.... but since covid, i've lost any and all faith in doctors....

[deadskinmask]

That shit just started recently, having to pay an extra amount for folks that don't pay, like WTF! Shit didn't start til all the damn illegals.

illegals are the lefts new voter base.... if trump doesn't secure elections they may possibly win midterms....

[deadskinmask]

You paid? Shit kneegrow, I'd file for charity care, and anything else I'd tell them good luck woodchuck 

i'm old fashioned.... if i get a service, i pay the price agreed upon.... i'm pushing to reclaim the high-trust society we once had....

[deadskinmask]

Valuable skills to have. 

I don't even have a first aid certificate. My entire working life has been in office settings. I don't need it as much as say someone working with heavy moving equipment.

seems like its that way everywhere.... the less you need, the more you have.... ppl who genuinely need it, don't have it at all.... and ppl who can't afford it, are paying for illegals to have it.... its a sick and twisted world....

[Blazor]

This is helpful.

So yoour portion is $840 per year. With your employer's contribution that is $7840 per year.

What does it cover? Is there a dental, physical therapy, and prescription drug benefit?

We know you have a big deductible.

I think its $1440 a year on me, employer around $7k Im pretty sure.

I have a chart I have to go by, as far as what is free, what has a copay and how much, what I have to pay 30% of, etc.

Physical therapy is $35 a pop til I hit my max out of pocket.... which I already have. Does cover some meds, think my pills cost me $7 after the surgery, but I only needed the pain ones for a couple days, and the baby Aspirin to prevent any blood clots.

I did get the mid grade Dental, and Vision, they were the main things I wanted, like I could of cared less on the health one lol. They were cheap to add too, like less than $20 a month I think.

Yeah the deductible is $4000, and max out of pocket is $5000, and I've met both of those for the year. When I talked to HR, they "thought" the deductible was part part of the max, but its not.

[Blazor]

I see......better plans would've covered more and you wouldn't have been forced to pay as much for your surgery.

Not exactly, a better plan was over twice the price. So if nothing is wrong with me, Im still paying all that money each month, for nothing. Where this out of nowhere thing happened to me recently, Im paying more based on the incident.

So lets see....

$120m X 12m = $1440y
$1440y X 10y = $14,400

$250m X 12m = $3000y
$3000y X 10y = $30,000

Difference is over $15,000, and Im paying $9000 for a major incident vs $4000 (I think). That is over $20,000 I would save on the cheaper plan in 10 years, vs throwing all that money into one that offers a lil more and not needing it.

Now, when my body starts to age, I "might" need more coverage, guess it would depend. But most ailments are fixable at home, and most Docs are full of shit lol.