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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? So 20% of your paycheck on Healthcare and 80% on a mortgage?
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Oct 5, 2023 00:40
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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? big lol from a trump voter
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Oct 5, 2023 00:44
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DO SOMETHING
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Oct 5, 2023 01:25
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Are you sure that $800 isn’t the annual cost OP?
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Oct 5, 2023 01:51
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i have pretty okay insurance and work pays $160 towards it a month and it is still pretty bad lol
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Oct 5, 2023 01:53
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imagine an employer actually giving a poo poo about your well being lmao. walmart actively took life insurance policies out on their old employees to make bank when they croaked.
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Oct 5, 2023 01:55
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I charge $0 for employee healthcare.
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Oct 5, 2023 01:59
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flubber nuts posted:imagine an employer actually giving a poo poo about your well being lmao. walmart actively took life insurance policies out on their old employees to make bank when they croaked. lmao that is loving savage
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Oct 5, 2023 01:59
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I've never taken employee health insurance. The only time I even considered it was when I worked at the post office and they paid most of it. Have you tried being extremely poor and getting state health care OP? Cuz uh, yeah that actually works.
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Oct 5, 2023 02:01
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i wanna imagine that they just had a ton of people on staff who's job was just to like cruise around to each walmart in their county and scope out the weakest members of the herd
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Oct 5, 2023 02:01
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flubber nuts posted:imagine an employer actually giving a poo poo about your well being lmao. walmart actively took life insurance policies out on their old employees to make bank when they croaked. Lmao definitely a cool thing that should continue to be legal.
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Oct 5, 2023 02:02
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I had a similarly lovely healthcare plan with one of my employers and I was convinced they were getting kickbacks or some other shady poo poo was going down, I hadn't considered the malicious compliance angle. That and the many other ways in which businesses screw over poor people are probably what lead me down the path of radicalization, OP!
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Oct 5, 2023 02:05
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Treecko posted:I've never taken employee health insurance. My current job and my last job have non-poo poo insurance with a low premium and I know how fortunate I am with that. Paid 1k for 60k surgery when I turned one of my wristbones into an egg beater during my last employment. I also at a point in time was homeless with no income not too long after ACA and couldn't get health insurance through WA state, didn't qualify. So all in all, gently caress this country and it's many, many, many horrible lovely capitalist grift systems
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Oct 5, 2023 02:16
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my employer is increasing the yearly benefit we get for mental health stuff from $10,000 a year to $12,000 a year. 100% coverage.
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Oct 5, 2023 02:16
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EIP to Americans (I'm Americans) https://www.youtube.com/watch?v=-wpHszfnJns
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Oct 5, 2023 02:27
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honestly I wouldn’t imagine being an apprentice wizard master comes with any benefits at all
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Oct 5, 2023 02:31
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I got them to pay out 2.3 mil for my 27 day stay, so I’ll consider that a rad profit
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Oct 5, 2023 02:40
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flubber nuts posted:imagine an employer actually giving a poo poo about your well being lmao. walmart actively took life insurance policies out on their old employees to make bank when they croaked. My employer pays 100% of my premium for health, dental and vision reimburses me for 100% of out of pocket expenses up to my deductible, covers all but $1000 of my max out of pocket costs and pays 100% of my long and short term disability coverage. Oh, we also have 2 weeks of additional sick leave if we are diagnosed with COVID including a home test on the honor system on top of 5 weeks of PTO I get. Also there is no waiting period for health insurance, coverage starts on your first day of employeement. Some employers don't actually hate their employees. Three Olives fucked around with this message at 02:48 on Oct 5, 2023 |
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Oct 5, 2023 02:45
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I have a work plan and it's $141.50 per person, so for me and my wife it's $283 a month for full coverage. Sucks yo be you I guess.
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Oct 5, 2023 03:35
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None of this is relevant unless you know how much your employer is paying to an insurer. I pay something like $140 a month with a total out of pocket maximum copays of $2600. The most if I stay in network I should have to pay is $4280. The employer pays another $750 a month. The cost of you being an employee that wants health insurance is $9000 out of their pocket to employ and insure you (for health). If you decline that then you don't actually get the $9000 instead, they just keep it and say don't miss more than 3 days of work.
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Oct 5, 2023 04:26
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I just checked the MA health connector and equivalent plans are pretty much this bad across the board
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Oct 5, 2023 07:47
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pencilhands posted:I just checked the MA health connector and equivalent plans are pretty much this bad across the board Did you tell them you had an apprenticeship in wizardry
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Oct 5, 2023 07:55
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With an income of $50k per year your health insurance is ~$715 a month here in Germany. But it's a fixed percentage of you income so it goes down if you earn less and there are no deductibles
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Oct 5, 2023 07:57
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This poo poo is so bad. When I went back to school my income was low enough to qualify for the state-run Medicaid option, and while now I have decent insurance through my employer I still miss being on Medicaid. Now I have to consider that a trip to the emergency room is a minimum $250 out of pocket for me, whereas when I was on Medicaid I could just go to the ER if I needed to, and not do some financial calculus first. I had to have my gallbladder removed as an emergency surgery while I was on Medicaid, and I paid $0 for any of it. Now, on my private insurance I know I would owe hundreds, if not thousands, if the same thing were happening now. Copays can be bad, but I've noticed the new hotness of shifting costs to the insured person is "coinsurance." Like, to use the emergency room as an example again, some plans will say "25% coinsurance" for an ER visit, which means that you pay 25% of whatever grossly inflated charges the ER decides to file. CaptainSarcastic fucked around with this message at 08:43 on Oct 5, 2023 |
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Oct 5, 2023 08:37
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Freedom has a price buddy
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Oct 5, 2023 10:38
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The Bible posted:I like going to the doctor and he/she checks me, writes me a prescription, and I pay like 3 bucks. How does it feel being so oppressed like that?
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Oct 5, 2023 10:56
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Yeah it is really bad op people complain about this all the time I'm surprised you didn't already know even if you never had it before.
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Oct 5, 2023 11:18
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Dixville posted:Yeah it is really bad op people complain about this all the time I'm surprised you didn't already know even if you never had it before. Unfortunately, there's nothing anyone could do about any of this. America's insurance system is completely Pareto-efficient and you could not improve it without making things worse at another point. You wouldn't want poor insurance companies to lose several hundred dolars just so you can safe a few thousand, right?
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Oct 5, 2023 13:03
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How. How is America so terrible. How. It is mind-boggling. I don't know how you guys survive in your country without going completely insane. I feel exhausted and horrified just reading this thread. You all carry an extraordinarily heavy psychic burden merely by existing in the USA. Your country wants you dead and hates you. Sorry, guys. I wish it was better for you. You're all legit heroes to have not instantly died of despair upon hearing your own national anthem. It never had to be this way
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Oct 5, 2023 13:18
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Babe, treat me like OP's health insurance treats them. But, like only in bed and my safe word is bluecross/blueshield
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Oct 5, 2023 13:24
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Tree Bucket posted:How. How is America so terrible. How. It is mind-boggling. I don't know how you guys survive in your country without going completely insane. I feel exhausted and horrified just reading this thread. You all carry an extraordinarily heavy psychic burden merely by existing in the USA. Your country wants you dead and hates you. OP's health insurance seems exceptionally bad but all of us have real lovely insurance and it gets worse every year! My workplace added a "spousal surcharge" where I can't put my wife on my plan if she's eligible for insurance through her work without a massive fee that makes it no longer worth it. In addition, they're completely changing their insurance provider this year in order to save money. So I have to find a new primary care doctor (after I found a new one in 2019 for the same reason) and I have to confirm that the specialist doctor I see will still be covered. If not, I get to search for TWO new doctors and hope they can take new patients any time soon.
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Oct 5, 2023 13:32
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Tree Bucket posted:How. How is America so terrible. How. It is mind-boggling. I don't know how you guys survive in your country without going completely insane. I feel exhausted and horrified just reading this thread. You all carry an extraordinarily heavy psychic burden merely by existing in the USA. Your country wants you dead and hates you. big assumption that people survive without going insane A Fancy Hat posted:OP's health insurance seems exceptionally bad but all of us have real lovely insurance and it gets worse every year! we got this spouse surcharge poo poo, its stupid as gently caress to now have to manage two different sets of insurance like you say
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Oct 5, 2023 14:51
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WithoutTheFezOn posted:Doesn’t matter for you. If your employer offers health insurance, you’re not eligible. This is not always true. OP you can look into the details it depends on how much your employer covers/your income ect. Its probably worth at least looking at. Sorry you have to deal with this bullshit. quote:Can I enroll in Obamacare if my employer offers insurance?
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Oct 5, 2023 14:56
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Op, if you have any money leftover in your paycheck after insurance, I'd invest in a 55gal barrel of lube to ease the pain. If you don't mind dealing with the cleanup, I'd go with silicone as it stays slippery and will last longer. My employer is pays 95% of my insurance and the coverage is good. When my wife had our twins in 2014, we paid less than $500 out-of-pocket from insemination through delivery and my vasectomy cost $1.67 out-of-pocket. My wife had thyroid cancer the summer of 2018 and I don't remember paying anything out of pocket for that procedure. Christmas of 2018, I ended up in the hospital after a doctor prescribed keflex for an abscess that went 0 to huge real quick just inside my nostril. "Oh, you're allergic to penicillin? Keflex is totally cool and good for people with penicillin allergies." One swollen head later, I ended up in the hospital for three days. It ended up costing $300. I haven't had anything except yearly labs since then which are free. Prescriptions are a little higher, I think $10 for generic, $20 for name-brand and $40 for others, but I don't take anything daily so I think those are current prices but I'm not 100% sure.
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Oct 5, 2023 16:19
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i already knew it was bad in america but readign this thread is loving mind blowing lmao
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Oct 5, 2023 16:21
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i have a blood disorder and maybe cancer??? (seeing my dr today to get the results of the latest biopsy), and need regular IVIG to keep my platelets at a level where my blood isn't actively trying to kill me. i get it 1-2 times a month right now. and i need special type-matched stuff cause i have O- blood. i looked up the cost in america for this and it's ten thousand loving dollars per dose lmfao. in america i'd probably just die
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Oct 5, 2023 16:23
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Tree Bucket posted:How. How is America so terrible. How. It is mind-boggling. I don't know how you guys survive in your country without going completely insane. I feel exhausted and horrified just reading this thread. You all carry an extraordinarily heavy psychic burden merely by existing in the USA. Your country wants you dead and hates you. lol have you not seen anything else going on in this poo poo rear end country people are actively losing their minds at all times
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Oct 5, 2023 16:27
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hot cocoa on the couch posted:i have a blood disorder and maybe cancer??? (seeing my dr today to get the results of the latest biopsy), and need regular IVIG to keep my platelets at a level where my blood isn't actively trying to kill me. i get it 1-2 times a month right now. and i need special type-matched stuff cause i have O- blood. i looked up the cost in america for this and it's ten thousand loving dollars per dose lmfao. in america i'd probably just die My brother has MODY, has a good insurance plan, is in a union, and the insurance company constantly rejects paying for his labs and insulin because, "MODY is not actually diabetes" They've also done this to my mother for 20 years, once they changed her diagnosis from type 1 to MODY MrQwerty fucked around with this message at 16:38 on Oct 5, 2023 |
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Oct 5, 2023 16:31
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hot cocoa on the couch posted:i have a blood disorder and maybe cancer??? (seeing my dr today to get the results of the latest biopsy), and need regular IVIG to keep my platelets at a level where my blood isn't actively trying to kill me. i get it 1-2 times a month right now. and i need special type-matched stuff cause i have O- blood. i looked up the cost in america for this and it's ten thousand loving dollars per dose lmfao. in america i'd probably just die My father had a bone marrow cancer that required a series of shots - insurance pays for the entire course but because the medicine is so toxic you only use up to the amount you absolutely need and then stop the course. He asked the nurse about what happens to the rest of the shots in the series and she told him they keep them locked away in case somebody comes in without insurance because they could never afford the treatment on their own. Just holding onto table scraps for the next person coming through the door with no insurance and terrible luck with their bone marrow.
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Oct 5, 2023 16:32
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hot cocoa on the couch posted:i have a blood disorder and maybe cancer??? (seeing my dr today to get the results of the latest biopsy), and need regular IVIG to keep my platelets at a level where my blood isn't actively trying to kill me. i get it 1-2 times a month right now. and i need special type-matched stuff cause i have O- blood. i looked up the cost in america for this and it's ten thousand loving dollars per dose lmfao. in america i'd probably just die When my wife was going through chemotherapy for breast cancer each infusion was $17,000 dollars and I think she had around 20 infusions if I remember correctly, not to mention the surgery to install the port and then a double mastectomy. For two years we were meeting our deductible and out of pocket maximums for the year on January 1. If my company didn’t offer pretty good insurance she absolutely would have died in addition to leaving a half million dollars in medical bills. I was terrified of losing my job during early Covid because I didn’t trust the Trump administration to protect the laws requiring insurers to accept pre-existing conditions.
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Oct 5, 2023 16:35
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