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  1. #1
    ABW Ambassador
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    DARN Health Insurance
    Just got a call from our agent and Aetna is raising their rates 11%

  2. #2
    Grandma broke her coccyx! Uncle Rico's Avatar
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    The premiums I pay for my health insurance is pretty low, about $150 per month for the entire family. However, it's a plan that has a deductible (annual physicals excluded). Our family deductible is $2,500. With 3 kids that get sick, going for office visits kills you at $120 each time. By the time December rolls around, I usually have paid out about $2,000 for office visits throughout the year. Starting in January, the deductible starts all over again.

    If you add my premium ($150 x 12) and the $2,000 for office visits, I pay about $3,800 and the insurance company doesn't pay a flippin dime.

  3. #3
    ABW Ambassador Boom or Bust's Avatar
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    Quote Originally Posted by SeymourButts
    The premiums I pay for my health insurance is pretty low, about $150 per month for the entire family. However, it's a plan that has a deductible (annual physicals excluded). Our family deductible is $2,500. With 3 kids that get sick, going for office visits kills you at $120 each time. By the time December rolls around, I usually have paid out about $2,000 for office visits throughout the year. Starting in January, the deductible starts all over again.
    Who are you with?



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  4. #4
    Grandma broke her coccyx! Uncle Rico's Avatar
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    Quote Originally Posted by Boomers
    Who are you with?
    The medical plan is provided through my work. The actual provider is United Healthcare. They stopped offering me an HMO option 2 years ago so I am stucj with a PPO option.

  5. #5
    Affiliate Manager Howard Gottlieb's Avatar
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    We pay nearly $700 a month for a $5,000 deductible, $40 office visit policy.

    Insurance for people self employed is always a challenge.
    I would rather live my life as if there is a God and die
    to find out there isn't, than live my life as if there
    isn't and die to find out there is.

  6. #6
    Full Member Jim Guinn's Avatar
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    For myself I pay $325 a month with a $2500 deductible and no vision/dental.

    Jim

  7. #7
    Affiliate Manager Afilyit's Avatar
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    It's sickening. So many people simply cannot afford health insurance any more. And if you got it, you're still paying through the nose for services.

  8. #8
    Full Member kayecee's Avatar
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    Arkansas teacher here..... $650 per month for family plan + $60 month dental.... no vision..... $25 copays for office visits.... and EVERY time the state raises teacher's pay, the insurance just "conveniently" increases by approximately the same amount......

  9. #9
    Full Member Jim Guinn's Avatar
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    Quote Originally Posted by Afilyit
    It's sickening. So many people simply cannot afford health insurance any more. And if you got it, you're still paying through the nose for services.
    Who do you think is paying for those who don't have health insurance? In the long run it is us, because the hospitals and insurance companies have to pick up that tab.

    That's another reason that car insurance and house insurance keep going up at crazy rates.

    Jim

  10. #10
    Affiliate Manager Afilyit's Avatar
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    Quote Originally Posted by Jim Guinn
    Who do you think is paying for those who don't have health insurance? In the long run it is us, because the hospitals and insurance companies have to pick up that tab.

    That's another reason that car insurance and house insurance keep going up at crazy rates.

    Jim
    That would create a catch 22, and a viciously ever increasing cycle wouldn't it?

    That has little to do with car and house insurance. Those rates are determined by risk and claims paid. Fraud comes into play here.

  11. #11
    ABW Ambassador purplebear's Avatar
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    ooooh I have to quick post then bite my tongue or will be here forever. This is probably the worst subject to get me started on. I hate, hate, hate health insurance. Actually hate the medical profession in general. Pay a little over $2,700 a quarter, each person has a $600 deductible. Think it covers about 80% for ions after deductible has been met.

    Kicker now is that they've started questioning ions the doctors write. lol They got what they wanted by doin that, tho. Doctor wanted me taking Nexium (and have in the past) Had to go thru the whole thing of waiting, getting him to write some letter, etc. Not gonna do that each time, the cost of ion is ridiculous anyway so just not gonna take it.

    Not sure of all the details just sittin here withouth reading thru all the stuff lol but have to pay anything hospital related now think the first 20%. Last April I evidently broke my ankle. Didn't wanna go to the hospital but finally did after everybody started gangin up on me lol. Read everything online and could pretty much tell what was wrong with it and did everything they suggested. But...since I wasn't gonna be let in peace til I did lol I had x-rays done and they said there was no break. Charged me $250 for them.

    Went back to doctor few months later and he keeps tellin me he wants me to go to a specialist cos he thinks it was broken. Yea, right lol Then I'll have to pay a specialist's bill and he'll want me havin an mri. Husband had to have one of them this year (which turned up nothin) got charged $650 for it. Oh....and that was after they made him go thru the same thing I did with the ion. Had to wait til another letter was done.

    Uhh, definitely am not the type to go runnin to a doctor or poppin pills cos they taste good lol ...so am not the type that they should be questioning. lol

    Not gonna go into details but have had surgery uhh wasn't exactly too happy from the end result of it, so will just say..... any way there gonna get me doin that again is if they knock me upside the head, kidnap me and do an awful lotta prayin I don't wake up and find out they did it. lol So, I just keep tellin the doc, ankle's still there and it's no big deal. I can walk on it, doesn't feel the best always lol but am fine.

    rrrrgghhh...warned ya I shouldn't get started on this subject. lol and this would only be a very shortened reply...am gonna tie my little fingers behind me so I won't type any more. lol The health insurance industry and big oil are not two of my favorites at the minute. lol

  12. #12
    ABW Ambassador meadowmufn's Avatar
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    I am extremely fortunate to get great health insurance through work, but even if I didn't, I'd gladly pay the $500 or so a month it would cost us to get comparable coverage. For my family, with all our combined health problems, it's a necessity. I have, in the past, paid upwards of $700 a month for health insurance. Up until now at my current job, I've paid nothing for premiums, but we'll have to start paying $150/month in July, which is ok with me. I consider that a bargain.

    I appreciate my health insurance all the more this year considering my surgery this year would've cost as much as a new mid-grade sedan without it. Instead, I paid $0.

    As you can imagine, this is probably the biggest issue for me in making the decision to go into AM full time and leave the day job.
    -Don't criticize anyone til you've walked a mile in their shoes. Then when you do criticize them, you'll be a mile away and have their shoes.
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  13. #13
    Full Member Jim Guinn's Avatar
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    Quote Originally Posted by Afilyit
    That would create a catch 22, and a viciously ever increasing cycle wouldn't it?

    That has little to do with car and house insurance. Those rates are determined by risk and claims paid. Fraud comes into play here.
    Who do you think pays for those who have no car insurance or are high risk and get assigned to insurance companaies?

    Who do you think pays for those who build on the ocean or the sides of mountains?

    We do.

  14. #14
    Super Dawg Member Phil Kaufman aka AffiliateHound's Avatar
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    Quote Originally Posted by Jim Guinn
    Who do you think is paying for those who don't have health insurance? In the long run it is us, because the hospitals and insurance companies have to pick up that tab.

    That's another reason that car insurance and house insurance keep going up at crazy rates.

    Jim
    Oh, don't get me started. There is one reason and one reason only for absurd health insurance rates, and it is the virtually unregulated for-profit health insurance industry. These companies are making a %&$%#@&^ fortune off the sweat of the middle class.

    I've been with Pacificare for several years due to mergers and acquisitions in the health insurance industry, and every time they buy out a new carrier, not only does the stock go up, but the CEO gets another $200 million dollar bonus, and premiums go up. In 2007 United Healthcare, Pacificare's parent, reported 2006 profits of $4,159,000,000 (that's over 4 Billion Dollars), up 26% from 2006. In the past 5 years, my monthly premiums have risen approximately 150% with added and increased co-pays, including a $1,000.00 co-pay for hospitalizations.

    All the while, they continue to be investigated and fined for illegal and improper practices. PacifiCare fined record $3.5 million

    The ONLY solution is to take the profit out of the system, with a government run single-payer medicare-type program.
    Since June 10, 2012 a vegan aarf but still writing the Hound Dawg Sports Blog
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  15. #15
    Affiliate Manager Afilyit's Avatar
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    When our 2nd child was born, my wife had a c-section, then had an infection and high fever. She ended up spending 5 days in the hospital.

    A couple of weeks later, I got a bill from the hospital for about $6000, saying the insurance was only covering 2 days.

    The insurance company felt she should have been sent home after 2 days - despite having major surgury, and being sick.

    Sickening isn't it? Anyway, I fought it and won. Which is a lesson here. Insurance companies make some of their money on people who DON'T fight and just pay up. If you know you're in the right, fight back and the'll pay up. They don't need the headache.

  16. #16
    Full Member Jim Guinn's Avatar
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    Quote Originally Posted by purplebear
    ooooh I have to quick post then bite my tongue or will be here forever. This is probably the worst subject to get me started on. I hate, hate, hate health insurance. Actually hate the medical profession in general. Pay a little over $2,700 a quarter, each person has a $600 deductible. Think it covers about 80% for ions after deductible has been met.

    Kicker now is that they've started questioning ions the doctors write. lol They got what they wanted by doin that, tho. Doctor wanted me taking Nexium (and have in the past) Had to go thru the whole thing of waiting, getting him to write some letter, etc. Not gonna do that each time, the cost of ion is ridiculous anyway so just not gonna take it.

    Not sure of all the details just sittin here withouth reading thru all the stuff lol but have to pay anything hospital related now think the first 20%. Last April I evidently broke my ankle. Didn't wanna go to the hospital but finally did after everybody started gangin up on me lol. Read everything online and could pretty much tell what was wrong with it and did everything they suggested. But...since I wasn't gonna be let in peace til I did lol I had x-rays done and they said there was no break. Charged me $250 for them.

    Went back to doctor few months later and he keeps tellin me he wants me to go to a specialist cos he thinks it was broken. Yea, right lol Then I'll have to pay a specialist's bill and he'll want me havin an mri. Husband had to have one of them this year (which turned up nothin) got charged $650 for it. Oh....and that was after they made him go thru the same thing I did with the ion. Had to wait til another letter was done.

    Uhh, definitely am not the type to go runnin to a doctor or poppin pills cos they taste good lol ...so am not the type that they should be questioning. lol

    Not gonna go into details but have had surgery uhh wasn't exactly too happy from the end result of it, so will just say..... any way there gonna get me doin that again is if they knock me upside the head, kidnap me and do an awful lotta prayin I don't wake up and find out they did it. lol So, I just keep tellin the doc, ankle's still there and it's no big deal. I can walk on it, doesn't feel the best always lol but am fine.

    rrrrgghhh...warned ya I shouldn't get started on this subject. lol and this would only be a very shortened reply...am gonna tie my little fingers behind me so I won't type any more. lol The health insurance industry and big oil are not two of my favorites at the minute. lol
    EEKS!

    I will make this my last post, cuz I could go on and on, too.

    I was out of town and had an attack of diverticulitis. My Doctor didn't want to presrcibe me my antibiotic without seeing me (even though I get these attacks from time to time) , so he told me to go to the local ER.

    In the ER they had no rooms available, so I sat in a chair in the hall. A Dr. asked me what was wrong. I explained the symptoms and told her what I thought it was. She said it sounded like I knew what I was talking about and would write me the presription. (I talked to her all of 30 seconds.)

    They gave me the script and one pill there as my starting dose, plus two regular strength tylenols for pain...Did you ever have diverticulitis?...Two tylenols are like throwing a cup of water on the Chicago Fire...LOL.

    A few weeks later, I got a bill for over $900 for the ER, the Doctor's fee and the pill they gave me...which cost more than the whole ion I filled at my pharmacy. (They also gave me two tylenols and charged me $10.) I had not met my $2500 deductible yet on a plan I pay $325 a month for, so I had to pay the full freight.

    So, for the cost of a ion of about $15, I paid over 60x that because my Doctor did not want to prescribe me something...but the hospital didn't mind...even without examining me.

  17. #17
    Full Member Code Monkey's Avatar
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    If you think insurance is expensive now, just wait until you add the 50% government inefficiency 'tax' to it...

    The key to lower health care costs is to force insurance companies to STOP paying for any service that costs less than $1000..

    If your automobile insurance covered oil changes, an oil change would cost $200. Since you pay for oil changes out of your own pocket, it costs $20..

  18. #18
    Moderator MichaelColey's Avatar
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    I wish mine would only go up 11% per year. I think my lowest increase I've seen has been about 30%. Ours has almost tripled in the past 5 years. We have a $2000 deductible and 50% copayment on the next $5000, are healthy, relatively young (under 40), and it's still over $600/month.
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  19. #19
    Grandma broke her coccyx! Uncle Rico's Avatar
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    Quote Originally Posted by Code Monkey
    If you think insurance is expensive now, just wait until you add the 50% government inefficiency 'tax' to it...

    The key to lower health care costs is to force insurance companies to STOP paying for any service that costs less than $1000..

    If your automobile insurance covered oil changes, an oil change would cost $200. Since you pay for oil changes out of your own pocket, it costs $20..
    So once the the insurance companies are mandated to not pay any medical procedure under $1000, healthcare providers will cut their fees by 90%? I need to find my boots.

  20. #20
    Affiliate Manager Afilyit's Avatar
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    ahh, anyone remember the gold old days when the doctor would actually come to your house for 10 bucks?

  21. #21
    OPM Queen Kristin Kinsey's Avatar
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    My son is covered under a pretty decent plan, but we have not seen a rate increase yet (fingers crossed).

    My husband and I were within days of signing up for insurance for ourselves when I found out I was pregnant. Perfect timing, so I am uncoverable right now, and they are saying that because I and pregnant that they cannot cover my husband. How silly is that?!
    KK

  22. #22
    ABW Ambassador Boom or Bust's Avatar
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    Quote Originally Posted by Kristin Kinsey
    My son is covered under a pretty decent plan, but we have not seen a rate increase yet (fingers crossed).

    My husband and I were within days of signing up for insurance for ourselves when I found out I was pregnant. Perfect timing, so I am uncoverable right now, and they are saying that because I and pregnant that they cannot cover my husband. How silly is that?!
    That makes perfect sense. He's at higher risk due to all the midnight trips to the store for the exotic foods you'll be demanding...



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  23. #23
    ABW Ambassador Boom or Bust's Avatar
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    Quote Originally Posted by Afilyit
    ahh, anyone remember the gold old days when the doctor would actually come to your house for 10 bucks?
    Yes! The good old days. I remember getting a shot when the doctor came over once. It didn't seem right getting a shot at home...



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  24. #24
    Affiliate Manager Howard Gottlieb's Avatar
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    Yikes. Just got our Blue Cross notice that rates have gone up 28% this year.

    Are they nuts???
    I would rather live my life as if there is a God and die
    to find out there isn't, than live my life as if there
    isn't and die to find out there is.

  25. #25
    Affiliate Manager Afilyit's Avatar
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    I got a better word for NUTS but can't use it here.

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