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I have health insurance for the first time through an employer. I'm a single person no wife or children. It costs me about $800 a month in premiums but my deductible before literally anything at all is covered is $2500. So I could potentially spend $12000 on healthcare costs in a single year with literally no benefit? And even once I reach the deductible I'm still on the hook for $50 copay just to see a GP. This can't be right can it? What's the point of health insurance if it doesn't do anything?
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Oct 4, 2023 23:38
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Oct 4, 2023 23:40
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Oct 4, 2023 23:41
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That is.. very high through an employer for that level of coverage with no dependents. Something seems off there. As for deductibles and max out of pocket.. that's what's usually referred to as 'major medical' in that it will prevent you from racking up so much debt with medical costs you will never have a hope of repaying them. But the max out of pocket limits usually aren't quite that high - 5k-10k range for 'ok' insurances.. and the monthly should be considerably less than it currently is for you.
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Oct 4, 2023 23:41
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Lmaoing from a civilized part of the world
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Oct 4, 2023 23:42
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sometimes it's even worse, OP, but that sounds pretty lovely for an employer plan and the money you're putting in out of pocket. You might even be able to get a better plan than that on the exchange On my end, which I think is about the opposite experience for health insurance tbh, my employer pays like $700 a month and I pay ~$100/month on my end. I have a $2k deductible but then no co-pays after that and my employer gives me an HSA with $2k added at the start of every year. My out of pocket max is like $3K/year (including the deductible) as well.
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Oct 4, 2023 23:44
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OK so I'm getting absolutely hosed. Story of my life, goons!
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Oct 4, 2023 23:50
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pencilhands posted:This can't be right can it? lol To answer your question there’s two benefits you have now. One is that if something fucks you up (bad car crash, cancer etc) you are less likely to have so much medical debt that you have to declare bankruptcy. Two is that you now have access to the shell game known as “negotiated rates” which means if you get an X-ray bill it’ll show you owe $10k but oh wait we have an agreement with your insurance company so we’ll just make 90% of that disappear for reasons now here’s your bill for $1k
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Oct 4, 2023 23:52
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Yeah sounds like you're employer isn't paying much for you. I think the highest tier coverage where I work is only $143/mo
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Oct 4, 2023 23:54
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Yeah that doesn't sound right at all even for our crooked rear end system. Good luck OP. I'm hoping you read something wrong. I don't know your situation, but, if those numbers are accurate, I, personally, would consider staying a self-pay. But that's just me and my circumstances.
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Oct 4, 2023 23:55
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A GIANT PARSNIP posted:lol At most hospitals and clinics the trick to getting those even if you're uninsured to just call up the billing and be like "I can't pay that, can I get a discount?" It's stupid and they shouldn't be allowed to do tiered billing based on payer type at all tbh. You'll still be turbofucked for anything more complicated than a UTI or something, though.
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Oct 4, 2023 23:55
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I found out when I went to get a COVID booster in Nov. 2021 that the health insurance I'd been paying for for 2+ years at my employer at the time had my birthdate listed as 4/14/2019 instead of 4/14/86, so I was ineligible to receive care until the insurance company dealt with the primary holder supposedly being 2 years old. Thankfully I was grandfathered into a sweetheart plan negotiated in 1999, so I was paying $28/mo for the same plan my previous employer had me paying ~$150/mo for. Sayonara to that one when that plant closed for good in March  when I first started working there, single was $14/mo
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Oct 5, 2023 00:01
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How much would you guys expect to pay per month for a $2500 deductible plan?
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Oct 5, 2023 00:03
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In the past when I’ve worked for lovely tech contractors the worst I had was like $295/m for a single healthy non-smoking adult with the same type of premiums. 800/m is insane and it might be better to sign up for Cobra or something?
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Oct 5, 2023 00:03
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Henry Lee Mucus posted:Lmaoing from a civilized part of the world  
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Oct 5, 2023 00:04
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800 is absurd wtf
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Oct 5, 2023 00:05
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i simply live in a country with free healthcare (for now)
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Oct 5, 2023 00:06
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Oct 5, 2023 00:09
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That's called "your employer wants you all going independent through the marketplace and to stop loving with their bottom-line"
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Oct 5, 2023 00:11
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MrQwerty posted:That's called "your employer wants you all going independent through the marketplace and to stop loving with their bottom-line" 
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Oct 5, 2023 00:13
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Holy poo poo! That's really bad even for 'murrica.
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Oct 5, 2023 00:14
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MrQwerty posted:That's called "your employer wants you all going independent through the marketplace and to stop loving with their bottom-line" is obamacare any better?
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Oct 5, 2023 00:15
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pencilhands posted:is obamacare any better? it depends on plans, but the plan your employer purchased for all of you was purchased out of sheer contempt for a law they have to follow and they don't actually want you using it
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Oct 5, 2023 00:17
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poo poo even the startup I work for provides excellent coverage for $40/mo. That’s real bad op
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Oct 5, 2023 00:18
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MrQwerty posted:it depends on plans, but the plan your employer purchased for all of you was purchased out of sheer contempt for a law they have to follow and they don't actually want you using it This is exactly what that is. Your employer sucks a dog's beshitted anus https://www.healthcare.gov/ is where you want to be looking - but from what I can tell whatever state you live in (along with age) are the biggest factors to how high the premiums can get for a single person.
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Oct 5, 2023 00:20
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what does "copay" mean in English english. does it mean excess
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Oct 5, 2023 00:20
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MrQwerty posted:it depends on plans, but the plan your employer purchased for all of you was purchased out of sheer contempt for a law they have to follow and they don't actually want you using it drat
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Oct 5, 2023 00:21
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pencilhands posted:is obamacare any better?
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Oct 5, 2023 00:23
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Christ I thought my insurance was bad. I pay $186/month with a $1500 deductible. Definitely check out healthcare.gov or whatever for better plans.
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Oct 5, 2023 00:23
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MrQwerty posted:it depends on plans, but the plan your employer purchased for all of you was purchased out of sheer contempt for a law they have to follow and they don't actually want you using it yep
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Oct 5, 2023 00:24
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WithoutTheFezOn posted:Doesn’t matter for you. If your employer offers health insurance, you’re not eligible. lol that sucks sorry op
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Oct 5, 2023 00:25
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All insurance is parasitism, OP
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Oct 5, 2023 00:25
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i swear ive seen stuff on healthcare.gov that was equivalently as lovely are you guys sure
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Oct 5, 2023 00:26
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Dandywalken posted:800 is absurd wtf
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Oct 5, 2023 00:28
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WithoutTheFezOn posted:Doesn’t matter for you. If your employer offers health insurance, you’re not eligible. This isn't strictly true. And unless OP is making uhh like 8k/month he could totally be eligible https://www.healthcare.gov/have-job-based-coverage/ And it really depends on the state you reside in and your age in to what kind of plans you can get. Like in Alaska the average is around what you're paying now, but probably for a little better coverage and like the unfortunate reality is you're going to have to spend hours looking into this fairly deeply to figure out what's best(of whatever's offered, not objectively best) for your situation. the US loving sux
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Oct 5, 2023 00:28
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I get no help from Covered California and my payment for a pretty good insurance is 800 a month just for me. December when I renew it will go up to 975. Crazy stuff. And if I don’t have insurance California penalizes me 5,000 dollars
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Oct 5, 2023 00:29
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I like going to the doctor and he/she checks me, writes me a prescription, and I pay like 3 bucks. I definitely have health insurance, but it is all handled automatically here (Korea), so I don't have to gently caress with anything. Taxes are similar. There's a website I download them from, already completed, then give them to my employer who handles all that poo poo.
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Oct 5, 2023 00:33
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pencilhands posted:I have health insurance for the first time through an employer. I'm a single person no wife or children. It costs me about $800 a month in premiums but my deductible before literally anything at all is covered is $2500. So I could potentially spend $12000 on healthcare costs in a single year with literally no benefit? Hey buddy you're starting to catch on that health insurance is a dogshit wealth redistribution scheme.
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Oct 5, 2023 00:35
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pencilhands posted:i swear ive seen stuff on healthcare.gov that was equivalently as lovely are you guys sure you are in the fun position where your employer hates you so much for working for them and causing them the trouble of buying an insurance plan, that you have to spend days of your life shopping for health insurance
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Oct 5, 2023 00:35
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also Ca does this fun thing where if you or your spouse get medical insurance though your employer then you can't qualify for Covered Ca. Our medical insurance for a family of 4 is like a little north of 1300/mo. gently caress this theme park butthole state.
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Oct 5, 2023 00:35
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