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How Do People Do This Every Year? Until December 31st i and my spouse are gifted the wonderful boon of tithing, biweekly, this insane quantity of dollaridoos to some faceless vampire in Buffalo Grove  And then as of January 1st we shall, by faceless vampire's grace, tithe THIS much instead  to bask in the opportunity to access them denying my claims for even poo poo like having a bit too much earwax or cutting a toenail the wrong way maybe This needs to be shouted from the motherfuckin hills and everyone needs to know how deeply dicked we're all getting. I am one of the lucky ones with an actual loving job! do we have a thread for horror stories of healthcare in a barbarous meatgrinder of a nation, I feel like we should
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Oct 22, 2019 02:23
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| # ? May 8, 2024 23:07 |
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every autumn a cadre of doughy insurance salesmen wander the highways and byways and convince a shitload of small business owners to move their health insurance contract to a new company that offers lower coverage at higher deductibles and it's spun as a 'win' to the employees every single time. its breathtaking, really
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Oct 22, 2019 02:25
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right as i left my job for Motorola they sold our wing to Zebra (the handheld printer company) and a coworker could not get his wife on his plan because the provider refused to believe that they were married, instead listing his 12 year old son as his domestic partner, at which point they cancelled his coverage because gay marriage wasn't legal in AR
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Oct 22, 2019 02:27
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Im trying to decide if i want the cheap hmo plan ill never use, or the more expensive ppo plan ill never use but might buy some ease of mind for those times when i realize my body isn't perfect.
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Oct 22, 2019 02:30
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whyen i started new job i had 2 options: high deductible with hsa or lower deductible but no hsa anyway the company i work for is probably going to die next year or the c levels are going to cut and run whichever happens first
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Oct 22, 2019 02:36
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ive done the same thing for the same company for 12 years i pay almost exactly 200% of what I did when I first endured this miserable trial back in the long long ago nominal PPP inflation for the dollar ove rthe same period is 20%
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Oct 22, 2019 02:37
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nice, mine doubled just between 2013 and 2018 while they forced us onto high deductible hsa plans
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Oct 23, 2019 17:50
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Oct 23, 2019 17:52
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hsas are a loving scam meant to be an investment vehicle for insanely rich people to get around 401k limits (401ks are also a scam too) why the gently caress would i put money into an account that restricts me from using it on anything except health related expenses to save a trivial amount of taxes when i'd rather have access to that money to use for anything
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Oct 23, 2019 17:53
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My new job is payroll tech support basically so now I get to spend my days helping other people set these terrible plans up for their companies
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Oct 23, 2019 17:57
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triple sulk posted:hsas are a loving scam meant to be an investment vehicle for insanely rich people to get around 401k limits (401ks are also a scam too) My employer was really trying to push us into hsas and said it's a good opportunity if you're young. Lol.
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Oct 23, 2019 18:00
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Gunshow Poophole posted:Until December 31st i and my spouse are gifted the wonderful boon of tithing, biweekly, this insane quantity of dollaridoos to some faceless vampire in Buffalo Grove screaming loudly so everyone in DuPage County hears me
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Oct 23, 2019 18:07
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am i reading this right in that you spend about $800 USD a month for health insurance that still leaves you with out-of-pocket costs and can be denied at the whim of your insurance company
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Oct 23, 2019 18:08
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I help run a little 9 person company that I basically started with the owner in college...just picked a health plan for us and god I don't know if I made the right choice. they all looked terrible and for some reason as the premium goes up nothing else gets better. honestly think I need a full day off after like 4 hours of figuring out healthcare stuff, it killd my soul.
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Oct 23, 2019 18:12
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what is all of this, i'm not american, i just go to the hospital
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Oct 23, 2019 18:12
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Streak posted:am i reading this right in that you spend about $800 USD a month for health insurance that still leaves you with out-of-pocket costs and can be denied at the whim of your insurance company not only that but it's with aetna so if he gets ride-to-the-emergency-room-via-ambulance that isn't by someone with aetna, that may not be covered and if he has to have emergency surgery that isn't by someone with aetna, the anesthesia may not be covered and this doesn't cover the cost of his prescriptions either, so he's gonna have to pay out of pocket for those too and then after all of that, the insurance company may just say "welp, we're not paying this"
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Oct 23, 2019 18:15
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Streak posted:am i reading this right in that you spend about $800 USD a month for health insurance that still leaves you with out-of-pocket costs and can be denied at the whim of your insurance company Yeah, but the insurance companies can't stop you from giving them money just because you have a preexisting condition, so it's universal healthcare!
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Oct 23, 2019 18:18
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Anyone who has every held a position of authority in the health insurance industry should be sent to work in the fields forever.
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Oct 23, 2019 18:21
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seems like a really terrible system that generates massive profits based on the denial of essential healthcare????? what the gently caress?? anyone else kind of concerned about this??????
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Oct 23, 2019 18:29
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triple sulk posted:hsas are a loving scam meant to be an investment vehicle for insanely rich people to get around 401k limits (401ks are also a scam too) why you trying to take money away from your fidelity account manager tho?
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Oct 23, 2019 18:33
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triple sulk posted:hsas are a loving scam meant to be an investment vehicle for insanely rich people to get around 401k limits (401ks are also a scam too) Can we have some healthcares? Can't do it man, but here, have a tax-advantaged investment account. Wall Street needs more money.
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Oct 23, 2019 18:43
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triple sulk posted:hsas are a loving scam meant to be an investment vehicle for insanely rich people to get around 401k limits (401ks are also a scam too) Have you tried fraud
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Oct 23, 2019 18:44
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triple sulk posted:hsas are a loving scam meant to be an investment vehicle for insanely rich people to get around 401k limits (401ks are also a scam too) the first time i had these things explained to me i instantly balked at the idea "so wait if i overestimate my costs at all I can't get the money back out?" "yup!" 
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Oct 23, 2019 18:45
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redneck nazgul posted:not only that but it's with aetna *frantically swatting the treacherous Venturi mask away from my face* but... are you in network?? I'll pay you fifty five cents on the dollar if u bypass ur billing agen *dies*
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Oct 23, 2019 18:46
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You're supposed to comparison shop while unconscious even though nobody posts their prices and every health plan is different so "we take Aetna" doesn't even necessarily mean they take your Aetna plan. I found this out when "we take blue shield" became "you have to pay the whole thing out of pocket anyway", and this was from a list provided by Blue Shield themselves. This is a free market. Fun fact: Insurance is the only industry exempt from anti-trust laws.
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Oct 23, 2019 18:51
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Streak posted:am i reading this right in that you spend about $800 USD a month for health insurance that still leaves you with out-of-pocket costs and can be denied at the whim of your insurance company nope gunshow spends $396 per pay period (depending on their employer, this could be per week, per two weeks, twice a month, monthly, or possibly something else) for health insurance. this is the premium this health insurance covers nothing* until either gunshow or their spouse has spent at least $800 that year on medical expenses. this is the deductible. note that the deductible is per-person, so gunshow and their spouse each have to separately reach the deductible before insurance starts paying out for their care. if only one of them meets their deductible, insurance will only cover that person. family deductibles can come into play with larger families but aren't relevant here once the deductible has been met, the insurance will pay no more than 75% of any further medical costs gunshow accumulates that year, assuming that the insurance company does not find some reason to deny them... (this is the co-insurance) ...until gunshow has spent $3.6k of their own money that year on health costs (this is the out-of-pocket maximum). and no, premiums don't count toward this number. once the out-of-pocket maximum has been met, the insurance company will cover the rest...until the end of the year or plan year, at which point all these numbers reset. like the deductible, the out-of-pocket maximum is per-person in this case, so gunshow's spouse can still rack up medical costs even if gunshow themself has met the OOP maximum this is american healthcare at its finest. have fun decoding it also, depending on the specific details of the plan, all of these numbers may only apply to doctors that have directly contracted with the specific insurance company in question (this is what it means to be "in-network"). any services from doctors that don't have a network agreement (out-of-network) could be subject to less coverage *a lot of insurance plans have special charges for certain treatments, and Obamacare requires certain things be free or discounted under certain conditions, so specific details may vary from these general numbers
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Oct 23, 2019 19:05
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Main Paineframe posted:nope real talk I can't even get through this paragraph without my attention span drifting or getting so mad I have to stop I could literally cut my own finger off right now, walk to the hospital and get it reattached for free and I pay probably a few hundred a year in taxes that go towards funding healthcare 
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Oct 23, 2019 19:09
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Main Paineframe posted:correct definitions of terms also, yup, because yes that's $800 USD per month for my spouse and I, just to have our names in a confusing set of databases that will then spit out various additional inscrutable formulae and fees depending on what's currently afflicting us or how we try to remedy it
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Oct 23, 2019 19:11
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amazing how my teeth and eyes have no bearing on my overall health, nature is truly a miracle
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Oct 23, 2019 19:19
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Streak posted:real talk I can't even get through this paragraph without my attention span drifting or getting so mad I have to stop if my napkin math is right, if gunshow incurs a $10k medical bill on Jan 2nd, they'll have to pay $3,100 of it. assuming that literally every doctor who interacts with gunshow has a contract with gunshow's insurance company, and that the insurance company doesn't deny coverage for any of the care, and that none of the care they receive falls under some special-case clause by the insurance company and gunshow is paying four hundred bucks out of every (apparently biweekly or semimonthly) paycheck for that insurance. so even if they're perfectly healthy, that's a guaranteed eight hundred bucks a month (or $9,600 a year) toward health expenses god bless America 
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Oct 23, 2019 19:24
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non-US people having health insurance explained to them from first principles as they get steadily more and more shocked is some of my favorite posting on this forum.
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Oct 23, 2019 19:28
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Willie Tomg posted:non-US people having health insurance explained to them from first principles as they get steadily more and more shocked is some of my favorite posting on this forum.  The near universal reaction at all this mess is great content
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Oct 23, 2019 19:29
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if its an emergency then you're also charged for the ambulance ride. fingers crossed the EMS contractor and the hospital they take you to are all in-network!
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Oct 23, 2019 19:30
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that scene in the first episode of breaking bad where walter white regains consciousness in the ambulance and begs to be dropped off at the nearest corner and drat near weeping when the paramedics refuse and take him to the hospital against his wishes is 100% real and was not exaggerated in any way whatsoever. i am completely serious.
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Oct 23, 2019 19:32
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the grossest part of the HSA grift to me is how they always point out "use it or lose it!" so they helpfully suggest that you go and just spend a bunch of money for OTC meds and wrist braces and ace bandages every December to burn up your leftover balanceWillie Tomg posted:if its an emergency then you're also charged for the ambulance ride. fingers crossed the EMS contractor and the hospital they take you to are all in-network! people are starting to take ubers to the hospital now
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Oct 23, 2019 19:34
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You all have my sympathy. I'm on Medicaid and I would be so so so hosed without it, like I'd have tens of thousands of dollars in debt already, plus I get to live with the constant worry that I will fill out a form wrong, or make too much money this month, and get thrown off it. And I'm one of the lucky ones.
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Oct 23, 2019 19:40
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Willie Tomg posted:if its an emergency then you're also charged for the ambulance ride. fingers crossed the EMS contractor and the hospital they take you to are all in-network! but yeah i'm "paying" $410/2 weeks for kaiser (company covers most of that), but every other plan i could choose from was super expensive. it's overall probably the us private health insurance bc you know what you'll get and where; only have some copays, quote:Deductible Individual: None
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Oct 23, 2019 19:44
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Main Paineframe posted:nope This post should be read out to each and every health insurance executive every day for the rest of their lives as they toil away in the alaskan gulags.
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Oct 23, 2019 19:46
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https://local.theonion.com/man-dying-from-cancer-spends-last-good-day-on-phone-wit-1819578540
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Oct 23, 2019 19:50
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| # ? May 8, 2024 23:07 |
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I have decent health insurance (for a US citizen) and this year my company decided that couldn't stand, so they: 1) Added a 150 dollar per month charge if your spouse is on your healthcare. That's in addition to the regular cost they pay. 2) Removed health insurance coverage for domestic partners. 3) Removed any out-of-network coverage - so you're liable for 100% of fees occurred out of network. One of my greatest fears in life is having something horrible happen to me on vacation, ending up in an out of network hospital, and spending the rest of my life paying for it. As a citizen of the United States it's really awesome and great that our healthcare system will kill us all either through avoiding preventative care or going into extreme debt.
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Oct 23, 2019 19:50
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