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View Full Version : Do you have health insurance?


Logical
06-05-2007, 12:20 AM
A Chiefs Planet survey

Bob Dole
06-05-2007, 12:20 AM
yes

Ebolapox
06-05-2007, 12:21 AM
no

Bob Dole
06-05-2007, 12:23 AM
Shouldn't there be "no, I don't have a job" and "no, my employer doesn't offer insurance" options?

luv
06-05-2007, 12:24 AM
Shouldn't there be "no, I don't have a job" and "no, my employer doesn't offer insurance" options?
Or the "No, my employer's is way too expensive, and I'm too lame to look for any on my own" option.

Ebolapox
06-05-2007, 12:25 AM
so one is lame if one doesn't have health insurance?

luv
06-05-2007, 12:27 AM
so one is lame if one doesn't have health insurance?
I am if I don't. I went through a time when I didn't have any, and that's when I got sick the most. I've had it for years, but hardly ever go to the doctor. We just switched insurance at work. I have a new network, and I haven't even found a new doctor yet.

Logical
06-05-2007, 12:27 AM
Shouldn't there be "no, I don't have a job" and "no, my employer doesn't offer insurance" options?

In an ideal world anyone needs insurance. I am curious just how many have none at all.

Bacon Cheeseburger
06-05-2007, 12:30 AM
I do but it's practically worthless. You have to be on your deathbed before it covers anything.

Bob Dole
06-05-2007, 12:35 AM
In an ideal world anyone needs insurance. I am curious just how many have none at all.

But you're not curious about the reason why?

BigMeatballDave
06-05-2007, 12:38 AM
Healthcare? What is that? I have Summa through work. I pay around $100 a month for my son and I.

88TG88
06-05-2007, 12:38 AM
union health care

BigMeatballDave
06-05-2007, 12:40 AM
I am if I don't. I went through a time when I didn't have any, and that's when I got sick the most. I've had it for years, but hardly ever go to the doctor. We just switched insurance at work. I have a new network, and I haven't even found a new doctor yet.Let me know if you need a pelvic exam...
:thumb:

Edit: No charge... :)

AZORChiefFan
06-05-2007, 12:42 AM
I do. But barely. Single male 35 and I pay $200 a month with a $2k deductible.

luv
06-05-2007, 12:43 AM
I do. But barely. Single male 35 and I pay $200 a month with a $2k deductible.
Ouch. I pay $128/month with a $1000 deductable. 30 single non-smoking female.

AZORChiefFan
06-05-2007, 12:45 AM
Ouch. I pay $128/month with a $1000 deductable. 30 single non-smoking female.
non smoker as well.

luv
06-05-2007, 12:46 AM
non smoker as well.
Does it include dental or vision? Those are separate on my plan.

AZORChiefFan
06-05-2007, 12:47 AM
Does it include dental or vision? Those are separate on my plan.
OK you got me I think that's an additional $15-$20 a month. Dental is more of a 'savings' plan not really insurance.

BigMeatballDave
06-05-2007, 12:47 AM
My insurance never asked if I smoke. I don't know what my deductable is.

Bacon Cheeseburger
06-05-2007, 12:48 AM
BTW there isn't an "I get it thru my wife's job" option so I didn't vote.

Logical
06-05-2007, 12:50 AM
But you're not curious about the reason why?

Truthfully did not think of it. You could add the options Dole. I would not mind.

Bob Dole
06-05-2007, 12:51 AM
BTW there isn't an "I get it thru my wife's job" option so I didn't vote.

Or more appropriately, the "I'm covered under my master's plan" option.

luv
06-05-2007, 12:52 AM
OK you got me I think that's an additional $15-$20 a month. Dental is more of a 'savings' plan not really insurance.
Dental is $22 and vision is $8 (per month).

Bob Dole
06-05-2007, 12:56 AM
Truthfully did not think of it. You could add the options Dole. I would not mind.

Bob Dole doesn't want to screw with it after it's already started. There should probably be a "No. My employer offers insurance but I opted out" option, too.

Your version will probably net the results you're looking for anyway. Maybe "Why don't you have insurance?" will be a follow-up.

And having spent a little time crunching the numbers for a couple of hospitals, it might be relevant at some point to ask some flavor of "Is the ER your primary care physician?".

kcchiefsus
06-05-2007, 01:00 AM
I work for UPS and I have free health care. I get free health, dental, and vision. I have a $20 copay and I believe I have a $200 deductible.

KILLER_CLOWN
06-05-2007, 01:11 AM
NO! I know the medical system is a fraud, right up there with the public fool system. Herbal remedies will get you through with functioning organs and all.

Silock
06-05-2007, 01:11 AM
My wife and I pay for our own. $356/mo for Blue Cross Blue Shield premium with $500 deductible, vision and dental included. $20 copay for doc visits and tests. Pretty much kicks ass.

Smed1065
06-05-2007, 01:22 AM
I have it but have not used it for 8 years now. I pay $125 single with $2000 deductible with BCBS.

BigMeatballDave
06-05-2007, 01:26 AM
I work for UPS and I have free health care. I get free health, dental, and vision. I have a $20 copay and I believe I have a $200 deductible.U suk

Bob Dole
06-05-2007, 01:47 AM
I work for UPS and I have free health care. I get free health, dental, and vision. I have a $20 copay and I believe I have a $200 deductible.

It's pretty clear that UPS should be the target of a Congressional investigation. It's just not right that some people have to experience the ravages of sniffles and epidermal abrasions while people like you get facials and massages.

BucEyedPea
06-05-2007, 02:50 AM
Yes. Now I do. But I went off for few years.

Most of the time have carried a high deductible...$7 or $10k.
Now $3k.

Has a stop gap at $5k though...gotta have that.

Saggysack
06-05-2007, 03:22 AM
Ya'll are getting hosed. 125, 128, 200 for single coverage. Damn, you could find your own for half that.

$56 single/$1000 deductible

copays
$10 Dr. visit
$30 Specialist
$50 ER
7/20/40 prescription

BucEyedPea
06-05-2007, 03:33 AM
Ya'll are getting hosed. 125, 128, 200 for single coverage. Damn, you could find your own for half that.

$56 single/$1000 deductible

copays
$10 Dr. visit
$30 Specialist
$50 ER
7/20/40 prescription
Okay name who offers that and the name of the plan?

What about tests?

Silock
06-05-2007, 03:40 AM
Ya'll are getting hosed. 125, 128, 200 for single coverage. Damn, you could find your own for half that.

$56 single/$1000 deductible

copays
$10 Dr. visit
$30 Specialist
$50 ER
7/20/40 prescription

Do you get to choose your own doctor? Does it cover dental? Vision?

acesn8s
06-05-2007, 04:03 AM
I do but it's practically worthless. You have to be on your deathbed before it covers anything.I have looked at your plan and have decided that a deathbed is not covered.

:p

Saggysack
06-05-2007, 04:30 AM
Do you get to choose your own doctor? Does it cover dental? Vision?


Yes, I get to choose my own doctor. Dental and Vision is another combined $18.

Saggysack
06-05-2007, 04:31 AM
Okay name who offers that and the name of the plan?

What about tests?


PPK

I haven't been required to have any tests.

Simplex3
06-05-2007, 04:51 AM
In an ideal world anyone needs insurance.
Why? In my ideal world it's cheap enough that you don't need insurance.

Simplex3
06-05-2007, 04:52 AM
Ouch. I pay $128/month with a $1000 deductable. 30 single non-smoking female.
Possible pregnancy age. My wife costs twice what my kids and I cost combined.

Simplex3
06-05-2007, 04:54 AM
My wife and I pay for our own. $356/mo for Blue Cross Blue Shield premium with $500 deductible, vision and dental included. $20 copay for doc visits and tests. Pretty much kicks ass.
Kind of liberating knowing that you could quit tomorrow and not lose your benefits, huh?

:)

Delano
06-05-2007, 06:03 AM
My wife and I are poor, uninsured college students and we just got nailed with some medical bills.

cadmonkey
06-05-2007, 06:13 AM
I do, but my company just got bought out by a huge company that has sh*tty coverage and no dental.

Pushead2
06-05-2007, 06:25 AM
I get it through my job and it's nice.

Iowanian
06-05-2007, 06:48 AM
Right now, my health insurance is TOO good. I feel guilty telling anyone what our coverage is...and since we both worked for the same entity, a family plan was free.

That isn't the case soon.

Good thing the bride's new job also has good family insurance....free.

Scaga
06-05-2007, 07:00 AM
Yes....
It's Definity, which isn't great, but it beats the crap out of nothing.

bkkcoh
06-05-2007, 07:07 AM
i pay about 275 a month for wife and 3 kids for medical, 41 a month for dental and 22 for vision.

20 co pay for medical 30 for specialist.

dental insurance leaves a little to be desired.

vision insurance is great. my son and i each got a pair of glasses and daughter got a 6 month supply of contacts and with exams it was about 90 bucks out of pocket. :)

OnTheWarpath58
06-05-2007, 07:34 AM
Yes.

$20 Co-pay

$35 Co-pay for specialists

$50 Co-pay for ER visits, waived if admitted.

Saggysack
06-05-2007, 07:37 AM
Right now, my health insurance is TOO good. I feel guilty telling anyone what our coverage is...and since we both worked for the same entity, a family plan was free.

That isn't the case soon.

Good thing the bride's new job also has good family insurance....free.

That is always nice.

My exwife used to have free coverage through her employer. Even now she has a nominal fee for single w/dependent. About 50 per mos. IIRC.

How much are they bumping the rates up too?

Bob Dole
06-05-2007, 07:45 AM
Ya'll are getting hosed. 125, 128, 200 for single coverage. Damn, you could find your own for half that.

If we all lived in KS, maybe.

Duck Dog
06-05-2007, 07:50 AM
I've never paid health insurance. I was in the Army for 12 years and the job I took after (still there) is also 100%. I even get my co-pays reimbursed, plus 2K dental for the whole family.

Saggysack
06-05-2007, 07:55 AM
If we all lived in KS, maybe.

You're just jealous. nlm

Bob Dole
06-05-2007, 08:04 AM
You're just jealous. nlm

Why? Because Bob Dole's insurance, including vision, costs him $6.20 a month?

Bacon Cheeseburger
06-05-2007, 08:04 AM
My wife and I pay for our own. $356/mo for Blue Cross Blue Shield premium with $500 deductible, vision and dental included. $20 copay for doc visits and tests. Pretty much kicks ass.
The ****? We pay more than that for the crappy coverage we get thru my wife's job.

Saggysack
06-05-2007, 08:53 AM
Why? Because Bob Dole's insurance, including vision, costs him $6.20 a month?

I hear the clinic is cheap. Might have to check into that. Thanks for the tip. :thumb:

GoHuge
06-05-2007, 09:01 AM
Free through work. $250 Ded covered at 100%.

Pretty nice.

Pestilence
06-05-2007, 09:05 AM
I work for County government....so because I'm single, don't smoke and use their insurance....they pay ME to use it. I think I have like a $10 co-pay.

HemiEd
06-05-2007, 09:39 AM
Our company is a great example of the cost spiral. We have seen overall cost increases, each year for the last 5, that average around 35%.

As the cost increases, more employees drop out, consequently, the burden is spread over less people and the cost must go up more.

We have around 150 employees, and probably less than a dozen continue on the program.

Socializing health care is not the answer, however.

crazycoffey
06-05-2007, 09:43 AM
I get it through my "Master's plan"....

BIG_DADDY
06-05-2007, 09:54 AM
I pay for me and my family. I never thought I would say this but I am not sure I'm not for socializing medical at this point. No I'm not kidding.

Stewie
06-05-2007, 10:52 AM
Pretty good insurance. Employees portion of the premium is based on salary. Health insurance covers eye exams and there's no pre-approval to see a specialist. The company offers vision, but I've found that it's not worth it. Dental costs me about $9/month with a $1000 yearly limit per individual on the plan.

ChiefsOne
06-05-2007, 11:03 AM
Yes, through my wife's work. She is covered for free, but has to pay about $150 per month for me and two kids. Working in healthcare has pretty good benefits.

I was double covered when I had insurance with my last job, that was sweet, no deductables or out of pocket for anything. Now I am self-employed only have the wifes'.

BucEyedPea
06-05-2007, 11:43 AM
Possible pregnancy age. My wife costs twice what my kids and I cost combined.
Just making an educated guess here but if that covers maternity I'd be pretty shockedó'cause that's cheap for maternity coverage. Many have maternity riders you can add, and when you do the rates skyrocket...because I've tried this. If you're married and have a maternity rider, insurance knows the woman is gonna use it. So they don't lose.

Some states force insurers to automatically provide maternity....which of course pushes the price up for everyone else.

Hydrae
06-05-2007, 11:56 AM
Quote:
--------------------------------------------------------------------------------
Originally Posted by Logical
In an ideal world anyone needs insurance.
--------------------------------------------------------------------------------

Why? In my ideal world it's cheap enough that you don't need insurance.

I agree. I would be interested in hearing a response on why there should be a NEED for insurance in an ideal world.

BIG_DADDY
06-05-2007, 11:59 AM
I agree. I would be interested in hearing a response on why there should be a NEED for insurance in an ideal world.

I would love to cut out the insurance companies. If it isn't socialized soon I will get a plicy that only covers costs over 10k so I can bring down my premiums. I'll just pay to see a real doctors. Most of them are private now anyway and won't bill you insurance company.

BTW, Blue Cross is a POS.

BucEyedPea
06-05-2007, 12:48 PM
I would love to cut out the insurance companies.
BTW, Blue Cross is a POS.
Prices would drop tremendously if there were no third party pays and patients /doctors contracted privately with one another. Like the old days when it WAS affordable.

Yes, I agree BCBS is a pos.

BIG_DADDY
06-05-2007, 01:06 PM
Prices would drop tremendously if there were no third party pays and patients /doctors contracted privately with one another. Like the old days when it WAS affordable.

Yes, I agree BCBS is a pos.

They did a whole background on lil momma before giving her insurance. Now they don't want to cover anything and are trying to weasle their way out of it. Talking to Stanford they said it's basically the norm for them.

go bowe
06-05-2007, 01:28 PM
well, that sucks bd...

we used to have a kaiser hmo..

it was even worse than we have now...

and the doctors there didn't want to (or couldn't) spend a lot of money on tests, etc. and the doctors were not what you'd call top of the line either... :(

seclark
06-05-2007, 01:35 PM
just because you have employer provided health insurance, it doesn't mean it's free.

vacation days are not free.
sick leave is not free.

they are all benefits, and are included in your wage.

sec

BIG_DADDY
06-05-2007, 01:39 PM
well, that sucks bd...

we used to have a kaiser hmo..

it was even worse than we have now...

and the doctors there didn't want to (or couldn't) spend a lot of money on tests, etc. and the doctors were not what you'd call top of the line either... :(

Kaiser killed lil momma's brother. He had a history of heart problems as a kid. He went in with chest pains. doctor didn't even look at him. Just told him to take som vicadin and call him in the morning. He was dead 3 hours later. Bad people, bad medicine. Actaully there are some good people that work there it's just a shame there are so many bad one's.

Stanford has been a great hospital, insurance companies hate them. Blue Cross will take your money for years but the moment they have a real issue with you they try to weasle out of paying. That's pretty standard from what I gathered. They made if very very hard to add Travis to her policy too as you only have 30 days to do that. We finally got so frusterated we had to go through Stanford to add him. Eventually I am going to switch everything but I want to make sure I am sitting where I want ot be financially before I pull that trigger. Blue Cross has another thing coming if they think I am just going to go away. I will go to the ends of the earth to make sure they pay every penny they are supposed to.

The system is broke. Like I said earlier it wouldn't bother me if we went to socialized health care in this country now. Those who can pay more can have better coverage. As it is now there are a boat load of people getting the best medical available who will never pay a cent to the hospital. Meanwhile you pay and get Kaiser. Something wrong about that.

Kerberos
06-05-2007, 01:45 PM
Got insurance through my wifes job. Better coverage for about the same amount of money.

go bowe
06-05-2007, 01:50 PM
sorry to hear about lm's brother...

that really sucks...

BIG_DADDY
06-05-2007, 01:53 PM
sorry to hear about lm's brother...

that really sucks...

Thanks. I have began to discover that the best doctors you just have to pay and have insurance for only the very worst stuff like over 10k. That's the direction I'm headed.

Silock
06-05-2007, 01:59 PM
Kind of liberating knowing that you could quit tomorrow and not lose your benefits, huh?

:)

Also liberating to know that it's cheaper to pay for it yourself than pay through the company... that was unexpected.

Silock
06-05-2007, 02:02 PM
BTW, Blue Cross is a POS.

I've had BCBS for years now and never had a problem with them. I'm actually incredibly pleased with them.

Calcountry
06-05-2007, 02:15 PM
It takes a village to give it to me.

BIG_DADDY
06-05-2007, 02:24 PM
I've had BCBS for years now and never had a problem with them. I'm actually incredibly pleased with them.

Had any major medical problems?

keg in kc
06-05-2007, 02:40 PM
No insurance.

Going to need it sometime in the not-too-distant future, I'm creeping upwards in age (or is that downwards?) and who knows what's lurking inside me that I don't know about, stewing since my last checkup, umm, 15 years ago.

BIG_DADDY
06-05-2007, 02:46 PM
No insurance.

Going to need it sometime in the not-too-distant future, I'm creeping upwards in age (or is that downwards?) and who knows what's lurking inside me that I don't know about, stewing since my last checkup, umm, 15 years ago.

I don't know, it's probably something really bad though.

Spott
06-05-2007, 02:53 PM
I am lucky enough to have full health and dental for my son and I that is paid for completely by my employer. My co-pays are ten dollars and prescriptions are like 3 bucks. Of course, I'm never sick and I only go to the doctor every few years so the insurance is probably going to waste.

Silock
06-05-2007, 03:13 PM
Had any major medical problems?

Multiple MRIs, surgery, multiple heart monitors, echocardiograms...

BWillie
06-05-2007, 03:17 PM
Are HMO's bad? I pay about 140'ish for HMO and a DMO. My co-pay is like 10 dollars. I'm sure I'll never need it. I NEVER get sick, and when I actually did get sick. I had just graduated college, and had no health insurance. I just went to the free Iowa City Clinic and they checked me out for free, gave me free antibiotics, and everything. I was sitting with scumbags but it was completely free. I'm starting to think Health Care is a waste of money. Each month I'd be saving my self 140 bucks.

BIG_DADDY
06-05-2007, 03:29 PM
Multiple MRIs, surgery, multiple heart monitors, echocardiograms...

Well I am glad they have taken care of you at least. I wonder why Stanford says this is business as usual for them when they pulled this crap on us. I don't know what are final bill is getting out of there but I would think it's gotta be well into the 6 digit category.

Silock
06-05-2007, 03:30 PM
Could it be doctor-related?

cripple creek
06-05-2007, 03:47 PM
fortunately I had employer furnished insurance when I had my stroke, but that ended quickly and now I "get by" on Missouri medicaid. hanging out at Truman medical center could be listed as a hobby based on the amount of time I spend there :cuss:

Dunit35
06-05-2007, 08:23 PM
Until next May I get it through my father and the fiance gets it through her dad, same with auto insurence. We'll have to get it for ourselves when we get maried.

The father has good insurence. Cheap prescriptions, 500 deductible and the first 1500 dollars a year is free after that it's 80/20.

Cochise
06-05-2007, 08:28 PM
I don't know much about my plan. It's through my work.

I have been to the doctor 2-3 times on it and never paid them a cent. I don't think I have ever paid for a prescription either. The last time I went to the dentist it was free. When I had my wisdom teeth extracted it would have been free, but I opted for general anesthesia so it cost about $200. I paid about $200 at the optometrist but that was how much the cost of my glasses overran what I was allowed, the exam and everything like that was free.

Free on the back end, anyway.