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Rotten Red Rod posted:See: anyone with a HDHP/HSA. Anytime someone tries to sign up for one our benefit agent actually talks to them one-on-one to make sure they actually understand what it is and they weren't just signing up for the cheapest one. Every single person she talks to ends up going with something else. For me it made total sense since we don't have expected medical bills other than some meds that are cheap without insurance. Max out of pocket plus premiums for the "silver" plan totaled $14,000 (ie $7,000 a year in premiums and $7,000 family max out of pocket). Max out of pocket plus premiums for "bronze" plan totaled $14,000 (ie $2,000 in premiums, $12,000 max out of pocket). Max out of pocket plus premiums for the gold plan was OVER $14,000 (ie $14,500 in premiums and $3,000 max out of pocket). The deductibles all moved in similar fashion. So I went for the Bronze and am trying to stuff as much as I can in the HSA to cover the family deductible ($9,000) and hope for the best. As long as I don't hit my deductible in a year I should come out ahead with the bronze plan. I looked up basic procedure costs prior to hitting my new deductible. $750 estimate to stitch a 1 inch laceration. I have twin 9 month olds that just started crawling. This is probably all going to end very BWM.... Loan Dusty Road fucked around with this message at 06:18 on Aug 21, 2018 |
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Aug 21, 2018 06:16
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Rotten Red Rod posted:See: anyone with a HDHP/HSA. Anytime someone tries to sign up for one our benefit agent actually talks to them one-on-one to make sure they actually understand what it is and they weren't just signing up for the cheapest one. Every single person she talks to ends up going with something else. I have a chronic condition that requires medication and periodic CT scans and picked an HDHP. Why? Because any other plan forced me to use their poo poo-rear end mail order pharmacy. I wanted to get away from them as fast as humanely possible. OptumRX is poo poo. Briova is ultra poo poo, because while I can opt out of Optum with my HDHP, I COULD NOT with Briova (my med is "specialty". Optum and Briova have literally just not filled my loving prescription, then pretended not to even have a record of my call.) I straight up said "Look, I'm just doing my due diligence. You do what you want but I'm getting my poo poo filled at HEB. I opt out of you and Optum." miraculously it was "approved" and deemed an acceptable "specialty retail pharmacy". (I'm really loving pissed at these people and every time I think about it, I get even more pissed so sorry if none of this is making sense). I was told "by Optum (who for 10 months decided my pills weren't specialty, then switched to specialty without telling me in NOVEMBER) you can't have 120 pills a month. Tell your doctor to change that." No, gently caress you. I need the loving 120 pills and you just deciding to send me 60 DOES NOT WORK. I refuse to fight some dipshit over what my loving doctor prescribed. gently caress you, fill my poo poo. This is the difference between loving dialysis and living a normal loving life. That's why I chose an HDHP over the PPO. gently caress United Healthcare. gently caress OptumRX. gently caress Briova. I hope their dicks rot off. And I hope the women there grow dicks just to have them rot off. (Our plans seem to be really decent, so the money I saved by picking the HDHP over the "nice" PPO, i put into my HSA).
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Aug 21, 2018 06:19
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BMan posted:Maybe fix your hosed up medical insurance system instead of leaving all the retirees to die, jesus christ what is wrong with you Well technically that's what Medicare is for. Maybe wait a whole 3 years before retirement. golden bubble posted:As for more classic BWM, reddit brings Paying my parents' bills is crushing me. quote:They had you later in life and STILL didn't have their finances together? That says to me that they will never take responsibility and they will bleed you dry as long as they can. Either take full control of their money if you are going to continue assisting them with money, or you should tell them to figure it out themselves because they are taking advantage of you. 
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Aug 21, 2018 12:23
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Is my insurance situation weird? As a healthy single dude my PPO is only $100 more expensive in premiums per year than the HDHP/HSA, and the deductible is ~$1,200 lower on the PPO, so I'm probably going to choose to go with the PPO. It seems that only one specialized medical visit might make the PPO more advantageous. I'm finding it hard to decide between the two though. Something Offal fucked around with this message at 14:09 on Aug 21, 2018 |
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Aug 21, 2018 14:05
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Something Offal posted:Is my insurance situation weird? As a healthy single dude my PPO is only $100 more expensive in premiums per year than the HDHP/HSA, and the deductible is ~$1,200 lower on the PPO, so I'm probably going to choose to go with the PPO. Add in tax impact in and it sounds like the HDHP is better...
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Aug 21, 2018 14:24
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Can you elaborate? Are you referring to the HSA and ability to avoid taxes that way?
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Aug 21, 2018 14:31
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On thursday last week, payday, we were told our paychecks would not come in until Monday. On Friday one of my coworkers did not show up for work. Come Monday he explained that he had -$300 in his bank account and only one gallon of gas. He couldn't afford to even drive to the office to pick up the interim check the company offered to get him through the weekend. BWM: losing a full days wages because you can't keep your checking in the black, and no credit cards will have you. The icing on the cake? He likes to brag about his millionaire brother ever chance he gets (who has apparently gifted him his current house and car). "*Company* will take care of it, bullshit MY BROTHER will take care of it." For the record this is a great place to work and I know people in the office who would have personally delivered the check to him if he wasn't such a dick.
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Aug 21, 2018 14:46
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Rotten Red Rod posted:See: anyone with a HDHP/HSA. Anytime someone tries to sign up for one our benefit agent actually talks to them one-on-one to make sure they actually understand what it is and they weren't just signing up for the cheapest one. Every single person she talks to ends up going with something else. Content: There is no WAY this is a scam! quote:Paypal payment for used car? DJCobol fucked around with this message at 15:22 on Aug 21, 2018 |
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Aug 21, 2018 15:18
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Oh good, a health insurance derail. It is every citizen's final duty to go into the tanks, and become one with all the people, so I don't know why we're talking about this still.Guinness posted:This is also a big part of why shifting to UHC is going to be a tough to sell to the lay person, even though by most projections it'd be a huge cost savings. Most individuals would probably see their taxes go up a bit to e.g. expand Medicare, but they wouldn't necessarily see the savings from their employers no longer massively subsidizing their health insurance costs. For people without employer-subsidized health insurance the cost difference would be blindingly obvious, though. I've been reading Bullshit Jobs (which is excellent), which points out an interview with Obama where he mentions that it would kill millions of jobs, which makes it politically radioactive. That's probably a big part of why it hasn't happened yet, since insurance companies aren't particularly well liked by the American public. StormDrain posted:I really wanted to see a particular posters reprehensible opinion and thought some bait might help. Please don't.
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Aug 21, 2018 15:24
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Some mighty  poo poo in hereAfter the Bitcoin Boom: Hard Lessons for Cryptocurrency Investors quote:Kim Hyon-jeong, a 45-year-old teacher and mother of one who lives on the outskirts of Seoul, said she put about 100 million won, or $90,000, into cryptocurrencies last fall. She drew on savings, an insurance policy and a $25,000 loan. Her investments are now down about 90 percent. quote:On Reddit, a user in the United Arab Emirates posted a picture of the $100,000 loan that he had taken out in December to buy cryptocurrencies — and that he will now be paying back out of his salary for the next three years. quote:Mr. Roberts, the British investor who has seen most of his $23,000 vanish, is holding on to his coins in case they turn around. But for now he has stopped trading and is looking for another job.
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Aug 21, 2018 15:38
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Lord Booga posted:As someone from a glorious socialist paradise with free healthcare AND cheap (optional) health insurance (NZ), this whole conversation makes no sense whatsoever. shame about your avocado prices though!!
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Aug 21, 2018 16:44
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Crimpanzee posted:On thursday last week, payday, we were told our paychecks would not come in until Monday. On Friday one of my coworkers did not show up for work. Come Monday he explained that he had -$300 in his bank account and only one gallon of gas. He couldn't afford to even drive to the office to pick up the interim check the company offered to get him through the weekend. On one hand, yes he should be better prepared for things like a missed paycheck. On the other hand, failing to pay your employees on time is a violation of federal law and the employee is reasonably entitled to any damages related to the employers inability to pay on a timely basis, including lost work/wages if it was directly connected to the employer's failure to pay wages on time.
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Aug 21, 2018 16:53
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Uh yeah the bwm is definitely the company with possible cash flow problems illegally delaying wages. Call you state board of labor and maybe attorney general office?
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Aug 21, 2018 16:58
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Also break out your resume. Even a whiff of payroll issues and I'm outta there.
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Aug 21, 2018 17:01
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Senor Dog posted:shame about your avocado prices though!! Or, you know, the fact that they just banned foreigners from buying homes there.
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Aug 21, 2018 17:13
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Leon Trotsky 2012 posted:The worst part of this (other than my uncle being dumb, but at least he is still getting insurance and knows about his health problems, so he's not endangering his life) is that there is a strong chance that this ends up on our bi-monthly "beg family for money" email chain that gets sent around to all of our family members. I would straight up reply that that family member should be terminated then, and no worries. If they are shameless enough to solicit me for money, they should be courageous enough to hear exactly what I think of them. If I recall correctly, you sort of feel the same way inside. But am more polite outwardly. StormDrain posted:Nah truly I would prefer my employer pay me what they pay for health insurance and let my taxes go up for UHC. Nobody deserves to die if they don’t want to from something we can heal. I do indeed think that the weak should be terminated. Let nature take care of her own. You disagree. And...?
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Aug 21, 2018 17:16
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There it is I hope you bastards are happy now Also today I learned that not wanting to "exterminate the weak" is extremely far left
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Aug 21, 2018 17:19
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brugroffil posted:Uh yeah the bwm is definitely the company with possible cash flow problems illegally delaying wages. Fair point s but this is definitely not a cash flow/inability to pay just a automatic transfer issue. Anyone who needed the money that day received a paper check.
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Aug 21, 2018 17:53
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Crimpanzee posted:Fair point s but this is definitely not a cash flow/inability to pay just a automatic transfer issue. Anyone who needed the money that day received a paper check. You believed that line of BS? Hint: the paper check bought them at least a day, probably 2-3.
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Aug 21, 2018 17:56
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John Smith posted:my extremist far-right views have been repeatedly posted. The extremist far-left posters here have vocally expressed their disagreement.
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Aug 21, 2018 18:05
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Motronic posted:You believed that line of BS? I'm sure you know more about his/her workplace than they do.
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Aug 21, 2018 18:08
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Crimpanzee posted:Fair point s but this is definitely not a cash flow/inability to pay just a automatic transfer issue. Anyone who needed the money that day received a paper check. Are you interested in a great investment opportunity? It's a piece of infrastructure that allows people and vehicles to cross water. It's a great deal!
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Aug 21, 2018 18:09
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Payroll issues unrelated to a company’s cash flow do happen sometimes. See: Phoenix, Government of Canada
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Aug 21, 2018 18:18
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KingSlime posted:Also today I learned that not wanting to "exterminate the weak" is extremely far left Fuzzy Mammal posted:Oh hey the moron who can't go two sentences without revealing their inability to think except in terms if some tired inapplicable paradigm is back. Let me put it this way. Humans are naturally lazy in their thinking, and being extreme in their politics often makes this worse. I think the posters here are terrible at this, whereas I think extremely highly of myself. People not being able to refute my logic tends to support my viewpoint. If your ideas are so great, why can't you defend them, right?
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Aug 21, 2018 19:10
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It’s absolutely possible his company has plenty of cash and this is an one time aberration. He knows his employer’s business better than we do. However if you sample 10 companies that missed payroll you will find 9 that are hosed. John Smith has a similar good post/bad post ratio.
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Aug 21, 2018 19:19
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Hey js not trying to be a dick but just stop making GBS threads up the thread, no one cares (don't mistake the idiots baiting you as people who are genuinely interested in your hot takes). I know other people summoned you but...you don't have to respond to every one who name-drops you. It's gonna happen, you've poo poo up the thread for far too long and created this reputation yourself Can you go gloat about your Awesome Superiority in some other thread? Let's talk about people who suck with money, yeah? Sooo in related news my now disabled brother (bad motorcycle crash, never ride a bike unless you are ok with very likely becoming a crippled gently caress) is going on disability. He's never had to pay rent, he's made ok money before, he's a grown rear end man who never learned how to manage his resources. What does he have to show for decades of employment with a good company? Absolutely nothing, unless you count the 20k plus of debt he's racked up. So now that life has taken a giant poo poo on him (and me because wtf am I supposed to let my lovely parents starve?), I figure it's a good time for him to dial back his ways and learn about financial smartz My mom called me yesterday crying because apparently he bought a $1600 bed..I checked with him and it's ok guys, he got it on credit so he hasn't actually spent any money 
KingSlime fucked around with this message at 19:29 on Aug 21, 2018 |
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Aug 21, 2018 19:20
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Something Offal posted:Can you elaborate? Are you referring to the HSA and ability to avoid taxes that way? Lets take this derail to the  thread. Can you post the premiums, OPM, deductible, any HSA contributions from the company, and co-insurance % for each?https://forums.somethingawful.com/showthread.php?threadid=3827922&perpage=40&pagenumber=256
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Aug 21, 2018 19:31
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SiGmA_X posted:Yes. However, I misread your post as premium offset being equal to deductible difference, not 1/12 of it. Posted at that thread per request, sorry for derail  Thanks!! I'm finding it to be a challenging decision, the stakes are low, but I'm leaning in the direction of the EPO(HMO). Please let me know your opinion if you can. I have a few days left in my enrollment window.I'm not sure how the average US salaried employee would make this decision without much guidance. I know most enrollment tools have a couple whizbang pages to highlight plan differences but it's still a tossup/gamble based on your health profile sometimes. Something Offal fucked around with this message at 20:04 on Aug 21, 2018 |
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Aug 21, 2018 19:55
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Can you stop it with the left/right thing? No one is going to change their mind as a result of your posting. Go bother another subforum and stay out of this thread unless you want to provide content. You don't get to engage in discussion here anymore; start your own thread if you're so inclined.
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Aug 21, 2018 21:25
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A John Smith thread is something I would subscribe to. Until it got gassed at least. In BWM news, it’s coming from inside the thread, it’s me. My terrible with money brother has some massive overdue bill because of reasons and I’m going to bail him out with a loan that has only a small chance of ever being paid back. I’m an enabler. Bleh. One brother spends far less than he makes, has tons of money in the bank, and is in a great position as he just starts his career, the other is in his 30s and as far as I can tell has never made a good financial decision in his life. I don’t need to help the first one but I think I’m just helping the second one never learn.
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Aug 21, 2018 21:50
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Hell yeah give us a JS thread. Sorry for bringing him in but it’s a highlight for me.
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Aug 21, 2018 22:17
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Give him a thread and let it be the only thread he is ever allowed to post in, and I’ll remove him from ignore.
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Aug 21, 2018 23:33
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Phanatic posted:Or, you know, the fact that they just banned foreigners from buying homes there. Non-resident foreigners. This is a Good Policy that should have been put in place years ago.
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Aug 21, 2018 23:46
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The Duncan Hunter indictment seems like a whole lot of bad with money. e.g., 
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Aug 22, 2018 01:02
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gvibes posted:The Duncan Hunter indictment seems like a whole lot of bad with money. 
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Aug 22, 2018 01:45
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I tell my wife I buy golf balls all the time.
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Aug 22, 2018 02:17
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I have a fella deliver the golf balls to my door and I have to pay in cash. Sometimes he wants to try some of the golf balls he just brought me, which can be awkward. This last time I think he mixed a volleyball in with my golf balls and I had a bad trip to the driving range.
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Aug 22, 2018 02:54
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Tonga is requesting debt forgiveness over fears China will seize their assets. However they just keep taking on more debt. https://www.reuters.com/article/us-pacific-debt-tonga-graphic/tonga-pm-fears-asset-seizures-as-pacific-debts-to-china-mount-idUSKBN1L10KM quote:Pacific island nations are holding talks which could lead to a coordinated request that China forgive mounting debts in the region amid concerns Beijing may start seizing strategic assets, Tonga’s Prime Minister ‘Akilisi Pōhiva said on Thursday.
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Aug 22, 2018 03:24
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gvibes posted:The Duncan Hunter indictment seems like a whole lot of bad with money. Jesus this is just profoundly bad with money. https://www.washingtonpost.com/nati...m=.c1bdcd7b67d2 quote:Throughout the relevant period, the Hunters spent substantially more than they earned,” the indictment said. “They overdrew their bank account more than 1,100 times in a 7-year period resulting in approximately $37,761 in ‘overdraft’ and ‘insufficient funds’ bank fees.
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Aug 22, 2018 05:46
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Krispy Wafer posted:I have a fella deliver the golf balls to my door and I have to pay in cash. Sometimes he wants to try some of the golf balls he just brought me, which can be awkward. Lol just lol if you don't have Enrique create custom fully-organic hand-crafted bespoke gluten-free cruelty-free fair-trade golf balls in house.
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Aug 22, 2018 06:27
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