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I'm just starting to feel like a loving idiot with all of these goons chiming in with their better plans lol. But I can't seem to find anything better on the marketplace either
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Oct 6, 2023 00:16
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During covid I was unemployed and got free health care and it was great. Then I got a job and made 38 dollars per year too much to qualify for the free health care and was told to get hosed. (on the health insurance marketplace.) The cheapest plan was 300 USD/month and was literally called "catastrophic" which means basically you get charged 300 dollars a month and if anything bad happens to you then they won't cover it, regular checkups were about the only thing they covered. At the end of the year I was fined for not having health insurance but it was a lot cheaper than 3600 bucks.
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Oct 6, 2023 00:43
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pencilhands posted:I'm just starting to feel like a loving idiot with all of these goons chiming in with their better plans lol. But I can't seem to find anything better on the marketplace either Sometimes you're just screwed. I just started the first job of my entire life with "good" insurance, but even then, it's $280/paycheck for my wife, son, and me, but if I'm ever unconscious and get taken to an out-of-network hospital, hoo boy. That's the biggest problem with American health insurance: even when it's good, it sucks.
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Oct 6, 2023 01:19
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flubber nuts posted:i save tons of money on health insurance each month by being a rotting corpse in a ditch. this helps too if youre saving for a house. I find this works better from personal experience, in an unoccupied house.
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Oct 6, 2023 01:22
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Time_pants posted:Sometimes you're just screwed. I just started the first job of my entire life with "good" insurance, but even then, it's $280/paycheck for my wife, son, and me, but if I'm ever unconscious and get taken to an out-of-network hospital, hoo boy. That's the biggest problem with American health insurance: even when it's good, it sucks. you could get one of those medical bracelets that some people with seizures or diabetes use that will have their blood type and allergies on them in case theyre found unresponsive, but instead put your insurance and in-network hospitals/providers on it.
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Oct 6, 2023 01:50
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get a new job that doesn't hate you op
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Oct 6, 2023 04:12
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steal time and labor while you look
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Oct 6, 2023 04:13
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flubber nuts posted:you could get one of those medical bracelets that some people with seizures or diabetes use that will have their blood type and allergies on them in case theyre found unresponsive, but instead put your insurance and in-network hospitals/providers on it. No need, https://insurance.maryland.gov/Consumer/Pages/Federal-No-Surprises-Act.aspx
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Oct 6, 2023 04:17
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I think I'll just go down to the feed store and buy some apple flavored horse paste instead, if I need it. It's only $8.99, that's a price I can live with.
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Oct 6, 2023 04:31
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When I had to use Obamacare, I was unemployed, and it was about $200 a month to cover my wife and myself with a gold tier plan. No deductible, and super low copays. While $200 is a lot when you're unemployed, it was good coverage, and I had enough savings while I looked for another job. As soon as I got a job, the rates went up, to over $1000 a month. My new job had really crappy coverage like yours, so I found a silver plan on Obamacare and it was about $450 a month, with a $1000 deductible. Obamacare is really only for people who aren't making much money, and worked really well for it. I eventually got another job, and now I pay $130/mo for coverage for wife and myself with a $2000 deductible. In 2021, I was sitting around playing video games. I stood up to go find some lunch and my gut HURT suddenly. Like I got stabbed. Diverticulitus. A hole appeared in my intestine. I went to the hospital, and over the course of a month and half in the hospital they ended up taking out 3' of "bad" intestine, put in an ostimy bag. I had to use that bag for 6 months while my insides healed. After 6 months I was back in the hospital to remove the bag, and reattach my intestines to be normal again. I was in the hospital for about 2 weeks for that. I'm completely healed and normal now. It "only" cost me $2,000 for what, I believe, was close to $1m in procedures. Randomly got a hole in my intestine out of nowhere. Make sure you got insurance.
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Oct 6, 2023 04:34
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$2000? Might as well have bought a Toyota instead and drove away from the thing that was rotting your guts!
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Oct 6, 2023 04:39
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Foxfire_ posted:PPO vs HMO? This can make a pretty big difference but often hmo's are falling apart nowadays. Like the company I just got hired to is a great job, doe prime contractor big bucks all around, and their healthcare plans are objectively better than other stuff I've seen with the caveat that the good/cheap plans are kaiser and that means you gotta get a primary care doctor and go through primary care stuff for referalls to fix what ails you. Well primary care doctors basically don't exist anymore, talking to coworkers many of them have had to go through 2+ a year because they just come and immediately leave and you gotta find a new one, which is a massive waitlist situation. You can get a ppo plan here but you have to pay out the rear end for it. Meanwhile my wife has a state job with state insurance which has kaiser as an option too, but it also offers a ppo at a comparable pricepoint and that did us absolute wonders when cancer struck. No waits or anything just get the care you need asap. They do ding us on fees cause we keep opting to have me as a rider on her plan rather than take my own healthcare "options" through my employment, but it's like an extra 50/mo for that and so worth it for the peace of mind of not having bad healthcare or having to jump through a series of hoops to use my allegedly "good" healthcare option.
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Oct 6, 2023 04:41
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Hammerite posted:what does "copay" mean in English english. does it mean excess It's what you have to pay to use the service. If your copay is 50 bucks, then showing up at the hospital for something costs you $50 for showing up.
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Oct 6, 2023 05:49
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Vegetable posted:You should just be allowed to take the five bargain bin doctors your insurer allows. have you never heard the phrase in network?
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Oct 6, 2023 06:07
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Private Cumshoe posted:have you never heard the phrase in network?
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Oct 6, 2023 06:35
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ban anyone but rich people from emergency rooms? I don't know what that means small networks of lovely doctors you can see that still charge you out the rear end is the current American health care system for most people and that is what's sold to them as shopping around for your doctor
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Oct 6, 2023 06:48
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"if you like your doctor, you can keep it" thanks obama
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Oct 6, 2023 06:50
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I go in and out of hospital a bunch and see so many specialists because I am not healthy. I also do not pay a cent for it because I don't live in America. I think if I did I would have probably simply died many years ago  I don't think I would have even had a choice.Also how is it possible to even take out life insurance on someone else without them explicitly giving consent? Altho with America and Walmart they probably did, because otherwise they'd be fired.
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Oct 6, 2023 07:04
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jfc, your health care is proper hosed over there. I walk in to a GP, walk out with a script for what's needed and pay nothing. I have a motorcycle accident and everything is covered from x-rays to surgery and rehabilitation. I can't imagine paying the prices you dudes are quoting here for insurance only to have excesses and 'co-pay'. We have private insurance but that's only if you want a private bed with extra services or faster access to 'elective' surgeries. Here in Aus I've paid for almost nothing health wise outside of medication and dental. Had my appendix out and walked in and out of the hospital with not a dollar to pay, even walked out with medication without paying. Had a motorcycle accident and all scans and surgery were covered even though it was my own stupid fault.
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Oct 6, 2023 13:45
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It used to be far worse before Obamacare. There used to be lifetime limits, so if you used up a million in services, you were on the hook for anything beyond that. They also used to be able to deny you coverage because of pre-existing conditions. When I was unemployed a month before Obamacare went into effect, my wife and I were denied because 1. I had a colonoscopy and had polyps removed (which is pretty normal), 2. My wife was denied because she had a prescription for MIGRAINES. I wish I had saved that letter, because it was 100% a horror show. The moment Obamacare opened up, we got on a plan, so we were without any healthcare for a month because no one would cover us. This is also what conservatives want to bring back. They want to get rid of Obamacare and go back to this. Where everyone has limits on coverage, and so that we can all be denied because we have loving migraines.
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Oct 6, 2023 14:10
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Something else for non-Americans to realize; half of our politicians are working to convince people that health insurance is awesome and way better than free healthcare. How do they do that? Well, obviously, your TAXES are going to go up if you're paying for everybody else's healthcare! Never mind that you're already paying a healthy chunk of your salary towards healthcare, and now you've effectively tied healthcare to your own employment. No, it's the taxes that are gonna REALLY screw you over!
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Oct 6, 2023 14:14
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Philthy posted:It used to be far worse before Obamacare. There used to be lifetime limits, so if you used up a million in services, you were on the hook for anything beyond that. They also used to be able to deny you coverage because of pre-existing conditions. When I was unemployed a month before Obamacare went into effect, my wife and I were denied because 1. I had a colonoscopy and had polyps removed (which is pretty normal), 2. My wife was denied because she had a prescription for MIGRAINES. I wish I had saved that letter, because it was 100% a horror show. The moment Obamacare opened up, we got on a plan, so we were without any healthcare for a month because no one would cover us. that's ghoulish as hell
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Oct 6, 2023 14:29
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covidstomper58 posted:$2000? Might as well have bought a Toyota instead and drove away from the thing that was rotting your guts! I don’t know if you’ve looked at the prices of used cars lately but lol
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Oct 6, 2023 14:48
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Re ppo vs hmo I pay triple what my coworkers with an hmo plan I also, you know, live in not-california, and thus getting an hmo plan would mean I can only go to one set of clinics which are either minimally around or not available at all, the plan wouldn't cover me outside of the immediate city I live in and I do actually travel so... Basically if I got the hmo option then any time I got hurt outside of my local city I would literally be totally hosed, and even in my city I'd have to go to the one hmo hospital. I broke my foot skiing last year and because I have the PPO plan I could just go through university's er after going to the on site ski area clinic. They are both covered and neither would have been with the hmo plan. Tldr; lol when people talk about kaiser and like yeah, that must be great, except kaiser doesn't exist in most states and the hmos that do are tiny and often garbage
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Oct 6, 2023 15:43
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Oct 6, 2023 16:34
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A Fancy Hat posted:Something else for non-Americans to realize; half of our politicians are working to convince people that health insurance is awesome and way better than free healthcare. How do they do that? Well, obviously, your TAXES are going to go up if you're paying for everybody else's healthcare! There is so much untold suffering and anguish let alone injury and death connected with our idiotic tying of health insurance to our jobs. I literally quit a job after they terminated my healthcare coverage due to my working hours, so with many other things circling the drain at that job there was no reason to stick around anymore. This was during covid, when I had covid. Got the email and official letter in the mail the same day. Quickly got on different insurance, not their cobra plan, and luckily found another job in a short span as well. I'd be utterly hosed if I lived somewhere with only one big employer in town like a lot of folks have. Greatest nation on Earth type poo poo right there.
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Oct 6, 2023 16:49
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I remember when I was 20 and got into a really bad wreck, massive concussion really bleeding out of my face, pooring rain, and fighting off the paramedic to take me to the hospital because I knew I would be in medical debt for 10 years. Instead I got a crowbar out of my busted truck pulled the front wheel fender off, limped my truck off to the on-ramp, walked another mile to a buddies house where I was driven home and thrown on the couch, where I begged a methed out roommate to stay up with me, so I didn't fall asleep and die. I didn't die. And it didn't cost me any money. So that was good. I have so many bad healthcare stories from my sister too. Cistic Fibrosis, my parents hitting 2 lifetime maxed, while working for a hospital, ending with a double lung transplant while on Social Security. If I was independently wealthy I'd make it my mission to destroy the US healthcare system.
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Oct 6, 2023 17:15
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wilfredmerriweathr posted:Re ppo vs hmo One of the good things Obamacare did was to eliminate the distinction between in- and out- of network for emergency services. When I went through it I took two rolls of stamps for the paper driven reimbursement process, but it loving worked.
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Oct 6, 2023 17:47
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when I was in the hospital, and i was able to start eating again, they began with giving me ensure. basically like a thick milkshake loaded with proteins n stuff. anyway, every 2 hours they'd leave one on my side table. i must have had 10 at one point before i told them to stop, im not drinking those. my aunt just went into the hospital for a bowel obstruction. they gave her ensure and it came with a receipt taped to it. we thought that was weird. $35. for one ensure. You can buy a 4 pack in the store for about $8. what a scam, and im not sure how insurance companies aren't cracking down on that poo poo
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Oct 6, 2023 18:03
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Philthy posted:what a scam, and im not sure how insurance companies aren't cracking down on that poo poo the insurance company is like 50% of the reason why an Ensure is inflated 1,750%
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Oct 6, 2023 18:06
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Where the hell does all this insurance money go??? Is it going to mid level paper pushers stamping DENIED on every claim? Does it all go to board members third yachts? Does it all go into politicians pockets?
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Oct 6, 2023 18:12
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Mr Lanternfly posted:Where the hell does all this insurance money go??? https://www.youtube.com/watch?v=1GvyoHfku5U
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Oct 6, 2023 18:14
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those denied stamps are expensive
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Oct 6, 2023 18:43
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still truckin' with 80% spent on housing
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Oct 6, 2023 18:43
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pencilhands posted:"if you like your doctor, you can keep it" prices of Everything have increased by 4 to 5 times since Obamacare was passed.....while wages have increased by 5 to 15%. Everyone is homeless in southern california. See: The retard living in his car thread (USER WAS PUT ON PROBATION FOR THIS POST)
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Oct 6, 2023 18:46
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lol at naming an insurance plan after a deadly venemous snake. should have gone with rattler, or pit viper. cobra is pretty cool tho.
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Oct 6, 2023 19:00
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Have you tried owning a guitar like this guy? It will do absolutely gently caress-all to help with your insurance problem, but you won't care as much because you'll look 
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Oct 6, 2023 19:01
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I get 2500 a month for counselling Unlimited physio No deductible And great dental All I have to do is get yelled at by white people on the phone
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Oct 6, 2023 19:06
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100523 posted:prices of Everything have increased by 4 to 5 times since Obamacare was passed.....while wages have increased by 5 to 15%. Everyone is homeless in southern california. i know this is psycho rereg guy but lol that some stupid rear end americans think that american domestic policy like obamacare is the reason for CoL increases, pretending the whole rest of the world doesn't exist
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Oct 6, 2023 19:14
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see also: canpakes blaming benevolent b unironically
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Oct 6, 2023 19:15
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