Originally Posted by Chief Roundup (Post 14707822)

The Blue Cross Health Advantage, the insurance we had in 2019, had the same deductible but they paid 80% on the way to the deductible not only paid after that deductible.
I had an x-ray a few months ago I had to pay $59 as my portion of that and it is the first imaging that I had had done under that policy.
Now, with United Healthcare through UMR new to us in 2020, I have to pay out $1500 before they will start to pay the 80% on the way to the maximum out of pocket of $5000.

Originally Posted by Third Eye (Post 14707881)

Yeah, as mentioned by someone else, you had a $0 deductible plan previously which would be way more expensive than what you have now. Sounds like your employer used to pay a lot of the cost share and were tired of doing that. I think your gripe is with your employer rather than your insurer.

Originally Posted by Third Eye (Post 14707881)

Yeah, as mentioned by someone else, you had a $0 deductible plan previously which would be way more expensive than what you have now. Sounds like your employer used to pay a lot of the cost share and were tired of doing that. I think your gripe is with your employer rather than your insurer.

Originally Posted by lewdog (Post 14707923)

This.

Know what you signed up for and the terminology.

Originally Posted by Chief Roundup (Post 14707954)

Our price went up from $118 a month to $135 a month for shittier insurance.

Originally Posted by Third Eye (Post 14707984)

Right, which is your price, not what the insurance costs. Your portion basically stayed the same while your employers portion of the cost share cake down significantly.

Originally Posted by Chief Roundup (Post 14707997)

They told us all in the meetings that their cost also increased 25% with this new policy but it was significantly less than the increase to stay with Blue Cross Health Advantage plan that they had prior.

Originally Posted by Chief Roundup (Post 14707997)

They told us all in the meetings that their cost also increased 25% with this new policy but it was significantly less than the increase to stay with Blue Cross Health Advantage plan that they had prior.

Originally Posted by Third Eye (Post 14708041)

Well I don’t know what to tell you. Somewhere, something is breaking down, but without intimate knowledge of everything, I couldn’t begin to guess where.

Originally Posted by Chief Roundup (Post 14707776)

Man I hate the insurance game bullshit.
This new insurance sucks. It is United Healthcare by UMR. We had Blue Cross Health Advantage before. Both insurances had a $1500 deductible with a $5k out of pocket clause. What I have found out now after trying to use it is that the new insurance is that I have to pay out $1500 before they pay a dime. Then they will pay 80% up to the $5k where then they would pay 100%.
It turns out that the insurance is basically for a person to get a co-pay to see their PCP and to get a co-pay at the pharmacist. IMO that is not much insurance and seems damn expensive for $135 a month.
I can get better insurance for cheaper through TrumpCare. I am trying to get my employer to allow me a "life event" to get out of this crap insurance.

Originally Posted by Fat Elvis (Post 14708090)

Well, the repeal of the individual mandate penalty, for starters.....

It not like people weren't told this crap was going to happen.

Originally Posted by Third Eye (Post 14708134)

Yeah, that has nothing to do with the current discussion.

Originally Posted by Chief Roundup (Post 14707954)

Our price went up from $118 a month to $135 a month for shittier insurance.

Originally Posted by Fat Elvis (Post 14708123)

UMR is a subsidiary of United HealthCare.



You can't get cheaper insurance through "TrumpCare." Well, you could get cheaper insurance, but the crap that is now allowed that is cheaper will ultimately cost you a *lot* more money as they, in actuality, don't cover anything.

Originally Posted by Chief Roundup (Post 14708721)

There are several people I know that have that insurance, TrumpCare. One had a hernia surgery recently, total out of pocket was $800.

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Originally Posted by Fat Elvis (Post 14708287)

Well, yeah, it actually does...when you allow those who are least likely to use the insurance to leave the risk pool, costs tend to go up for everyone else. Anthem and UHC aren't just going to rely on local employer based aggregates for individual actuarial analysis; they are looking at a national scale.

This was the first year that the individual mandate wasn't enforced, so the insurance companies were probably pretty aggressive in their cost structure and why you saw a premium increase of over 25% (at least for the employer) year over year. You can probably expect double digit increases year over year going forward.....