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is that 700 monthly? or annual? That's absurdly high to be monthly. I know this is America and all, but that's insane to expect a person with a family to fork over 2K+ a month for insurance.
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Oct 5, 2023 17:09
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Easy solution: don’t get sick. Duh.
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Oct 5, 2023 17:14
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Jose Oquendo posted:is that 700 monthly? or annual? That's absurdly high to be monthly. It seems a lot more reasonable if it's yearly. If it's monthly, then the insurance company and employer are making off like bandits.
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Oct 5, 2023 17:17
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funeral home DJ posted:It seems a lot more reasonable if it's yearly. If it's monthly, then the insurance company and employer are making off like bandits. Look it’s expensive to employ death panels
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Oct 5, 2023 17:26
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funeral home DJ posted:It seems a lot more reasonable if it's yearly.
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Oct 5, 2023 17:31
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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. If you read the news, you know that we are actually going insane. Going to another part of the world where cities we're built for people and not cars was like a religious experience. I want that for America but in the interim I'd love to move to Amsterdam or Berlin (if I could afford it).
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Oct 5, 2023 17:37
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Oh trust me, it's hosed in the first place that anyone has to pay individually for healthcare. I'm just comparing it to my own rear end blasting by capitalism, I'm thinking that the OP and I are both getting 2x4s shoved up our asses but if the OP is really paying $800 a month then they're getting a 55-gallon barrel up the keester with no lube.
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Oct 5, 2023 17:39
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Pencil hands is a pre existing condition
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Oct 5, 2023 17:56
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My health plan used to offer a $100 HSA credit if you got the flu shot. In 2021 you got an additional $100 HSA credit for getting a covid shot, too. Last year they changed it to watching a video since some people complained about the vaccination requirement. Whatever, I'm still getting my $100. This year you still get the HSA credit for watching the video but almost none of the health plans offer an HSA option any more. In fact the new "preferred plan" that they're trying to push everyone towards doesn't have an HSA.
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Oct 5, 2023 18:02
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America is the worst.
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Oct 5, 2023 18:15
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No insurance for a decade baby How do I survive? I guess by not givin a gently caress
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Oct 5, 2023 18:26
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I love these threads where the rest of the world discovers how deeply messed up the American health insurance system is in real time. Yes, many Americans spend $500 or even $1,000+ a month on health insurance. Yes, the coverage they get for this amount of money is awful. Yes, the insurance provider will search for any possible reason to deny coverage, employing algorithms and teams of med school dropouts to search through claims to find reasons to deny coverage. Yes, seemingly everyone except for a select few hate it. No, it's never going to change despite everyone hating it.
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Oct 5, 2023 18:36
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There's also the flip side, if you have good insurance it makes changing jobs basically impossible if you ever have a single health problem, or have a family. And you're always wondering if this is the year they cut the insurance budget.
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Oct 5, 2023 18:38
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u sp33k l33t br0 posted:America is the worst. Americans* are** which is why noone is in any rush to keep any of them alive , not even themselves.
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Oct 5, 2023 18:55
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funeral home DJ posted:Oh trust me, it's hosed in the first place that anyone has to pay individually for healthcare. I'm just comparing it to my own rear end blasting by capitalism, I'm thinking that the OP and I are both getting 2x4s shoved up our asses but if the OP is really paying $800 a month then they're getting a 55-gallon barrel up the keester with no lube.
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Oct 5, 2023 19:32
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What's your job, OP? Maybe bring this up with your boss and try to negotiate? I dunno, I get my insurance for free. 
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Oct 5, 2023 19:44
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Jesus Christ. Do you even get a paycheck if you go with the family option, or do they just mail you a threatening candid Polaroid of your loved ones every other Friday?
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Oct 5, 2023 20:04
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all sickness is a disease of spirit,
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Oct 5, 2023 21:01
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Private Cumshoe posted:all sickness is a disease of spirit, Cure the mind, cure the body. No you can't have mental healthcare coverage, that is only for rich people.
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Oct 5, 2023 21:20
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Animal-Mother posted:Cure the mind, cure the body. i can go ahead and dispel this myth for you
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Oct 5, 2023 21:44
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Healthcare costs are wild and I think part of it — apart from the obvious poo poo like not universalizing healthcare and giving big pharma too much influence — is that Americans insist on being able to shop around for their favorite doctor. You should just be allowed to take the five bargain bin doctors your insurer allows. If you want the nice doctor that’ll sweet talk your rear end you should pay out of pocket for it.
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Oct 5, 2023 21:51
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E: nah.
caleb fucked around with this message at 01:23 on Oct 6, 2023 |
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Oct 5, 2023 22:08
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DO SOMETHING
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Oct 5, 2023 22:16
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Vegetable posted:Healthcare costs are wild and I think part of it — apart from the obvious poo poo like not universalizing healthcare and giving big pharma too much influence — is that Americans insist on being able to shop around for their favorite doctor. You should just be allowed to take the five bargain bin doctors your insurer allows. If you want the nice doctor that’ll sweet talk your rear end you should pay out of pocket for it. who tf honestly shops around for a doctor tho? i get it if youre fishing for a xanax or adderral prescription or something, but if my lung fell out my rear end im not going to be picky. they use 'you can choose whatever doctor you want' in the same way they tricked people into loving right to work laws. its your right to leave your job whenever you want! *gets fired for being robbed while delivering pizza*
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Oct 5, 2023 22:20
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I literally just went to the doctor and walked out the door without having to pay This person stabbed me a few Times to draw blood though and it hurt
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Oct 5, 2023 22:24
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I've never been to a hospital or gone to see a doctor for anything but I keep paying for it anyways because people tell me this is the wise thing to do, even though I never need them I'm starting to think it's a "other people" problem
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Oct 5, 2023 22:28
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I work for a hospital and my insurance runs about $120 a month (includes dental and vision). I have the $3000 deductible plan versus the $1000 plan. The difference in premiums between the two is about $1200. Since I'm going to have to pay it anyway, I'd rather give the money to a provider rather than the insurance company. I have rarely used the insurance. Back in 2016, I fractured my right heel. The grand total was about $43k. I paid $1600 out of pocket (our fiscal year ends in June and the various treatments crossed over into July). My job is making sure insurance companies pay our claims. Their suckage goes a lot deeper than most people realize.
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Oct 5, 2023 23:04
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Mister Kingdom posted:I work for a hospital and my insurance runs about $120 a month (includes dental and vision). I have the $3000 deductible plan versus the $1000 plan. The difference in premiums between the two is about $1200. Since I'm going to have to pay it anyway, I'd rather give the money to a provider rather than the insurance company. Sweet Is The Night is actually such an underrated song, like top 5 in their catalogue easily
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Oct 5, 2023 23:08
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Toxic Mental posted:Sweet Is The Night is actually such an underrated song, like top 5 in their catalogue easily Agreed.
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Oct 5, 2023 23:11
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Mister Kingdom posted:My job is making sure insurance companies pay our claims. Their suckage goes a lot deeper than most people realize. On of my friends is a nurse at an HIV practice and spends an inordinate amount of time getting insurance companies to give prior authorizations to cover antiretroviral therapy, drugs that have absolutely no off label uses for a disease that will almost certainly kill you if you don't take the drugs and there exists no alternative treatments. If a doctor is prescribing you them, you 100% have HIV and it is close to 100% fatal.
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Oct 5, 2023 23:14
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Mister Kingdom posted:Agreed. Grocutt's singing on the track is amazing as well, absolutely crucial. One more small derail but I own a lawsuit Electra (as well as others) from the famous Matsumoku factory, who sponsored Jeff Lynne back in the 70s, it rules and plays amazing and I got it specifically because of him:  
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Oct 5, 2023 23:22
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Jesus, my company has the highest tier offerings at 180 (EDIT: WHOOPS WAIT that's per paycheck so I guess 360 which is no 800, drat pencilhands opt for a lower tier) for a single individual. Too bad I cant sign up because of really fucky divorce laws, as in I have to complete my divorce before I qualify outside of enrollment. The thing about it is my exish wife was supposed to keep paying for my insurance as per the divorce filing stuff she got served with, then she stopped, and was ordered to, then stopped again. I showed the divorce thingy to the credit place at the hospital stuff and they set me up and the dude laughed and set up an account for all my bills there to go to, since I'm incredibly unlikely to be held responsible for them. It's petty and stupid and going to bite her in the rear end. Don't get married and if you do or are don't get divorced.
Decedent fucked around with this message at 23:38 on Oct 5, 2023 |
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Oct 5, 2023 23:36
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The dick sucking factory has better healthcare than that
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Oct 5, 2023 23:51
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Oh yeah? How's the work environment?
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Oct 5, 2023 23:53
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Decedent posted:Oh yeah? How's the work environment? it sucks dick
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Oct 5, 2023 23:59
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It sounds like your company isn't actually contributing anything and is doing the whole cost employee-side, and also it's just a crappy/expensive plan. Presumably they're small enough (<50 employees) to dodge the ACA employer mandate to pay at least 60% of insurance costs? For another comparison point, my fancy (platinum => better coverage than this, HMO => more paperwork than this) plan in CA is $228 me + $530 employer each month. The total cost isn't that far off from your plan, it's just mostly employer paid.
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Oct 6, 2023 00:03
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My company doesn’t take anything out of my check for healthcare and the OOP max for family is 3800 They also match up to $600 in HSA deposits. But they don’t 401k match which means we don’t get safe harbor which is lame But lol op find a new job you’re gettin shafted
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Oct 6, 2023 00:04
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Foxfire_ posted:It sounds like your company isn't actually contributing anything and is doing the whole cost employee-side, and also it's just a crappy/expensive plan. Presumably they're small enough (<50 employees) to dodge the ACA employer mandate to pay at least 60% of insurance costs? why is it the same cost and so much shittier then
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Oct 6, 2023 00:04
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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.
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Oct 6, 2023 00:10
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PPO vs HMO? The PPO option I didn't pick from my job is about $800/month employer+employee, has a $400 deductible, then 20% coinsurance until you hit a $3500 max. The HMO is cheaper, has no deductible, no coinsurance, and a $1500 max. In exchange, I have to go through the hospital system they contracted with (which I would anyway, UCSF is big and good), and any specialist visits have a token primary care doctor interaction first
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Oct 6, 2023 00:14
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