Quote from: formosan on January 30, 2026, 08:30:15 AMI 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.

Quote from: DKG on January 30, 2026, 07:40:57 AMThis 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.

Quote from: Herman on January 29, 2026, 09:31:48 PM

This is what we all went through under biden. It sucks to say the least.

Quote from: DKG on January 30, 2026, 07:30:37 AMThe Trump administration is suing an illegal immigrant to collect close to $1 million in fines for remaining in the country after a deportation order was issued against her.

The federal government alleges that Marta Alicia Ramirez Veliz of Chesterfield County, Virginia, failed to leave the United States after an appeals board ruled against her in 2022. The government said that as of April 2025, Veliz owed $941,114 in fines plus interest.

Veliz is being sued under a federal law that has been on the books since 1996 that allows civil penalties for illegal immigrants who deliberately fail to leave the country as ordered. In President Donald Trump's first term, the federal government began assessing fines under the long-unenforced law but did not file lawsuits to collect them. President Joe Biden's administration stopped assessing fines altogether.

SHOOT THAT BITCH!

Quote from: DKG on January 30, 2026, 07:48:08 AMValuable 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....

Quote from: Blazor on January 29, 2026, 11:49:13 PMYou 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....

Quote from: Blazor on January 29, 2026, 11:41:40 PMThat 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....

Yes, he is a dumbass.

Quote from: Blazor on January 29, 2026, 11:32:22 PMI 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....

Quote from: Brent on January 29, 2026, 12:11:34 PMI was talking about GC Wallet that you mentioned.

its not my place to say anything.... i just think it looks suspicious as fuck.... you should definitely keep an eye on it....