Health Insurance

[BigRedChief]

Originally Posted by RunKC

Don’t get Aetna. They are the worst

I've had Aetna for over a decade through the wifes work. $500 a month for both of us. PPO plan, Vision, Dental also. Go wherever we want. See any specialist etc. $2500 out of pocket max per year. No complaints here.

[BWillie]

I like the plans that have high max out of pocket costs per year so I can self insurance myself but they still have a discount each year for regular doctor exams etc. Seems like I would be a pretty cheap person to insure. Single, no kids, etc. I don't really care about a low co pay on everything. If I get a terrible disease or saw my leg off I'm perfectly fine paying $10,000 max as long as I don't have to pay $150,000 and I save money on my monthly premium.

[Woogieman]

US insurance needs to develop a "Health Care SR-22" so the rest of us don't have to sacrifice our retirement goals for the Big Gulp chugging, smoke-a-pack-just outside-the-building's-front-door, no-walking, buffet-busting, lil' Debbie crowd. It's such a scam that drivers are rated, life insurance purchasers are rated, but they don't group the healthy and the morbidly obese/high risk people in their own groups. Doing so would GREATLY enhance the habits of those that are trying to get into or maintain their membership in the "healthy pool".

[BigRedChief]

Originally Posted by Woogieman

US insurance needs to develop a "Health Care SR-22" so the rest of us don't have to sacrifice our retirement goals for the Big Gulp chugging, smoke-a-pack-just outside-the-building's-front-door, no-walking, buffet-busting, lil' Debbie crowd. It's such a scam that drivers are rated, life insurance purchasers are rated, but they don't group the healthy and the morbidly obese/high risk people in their own groups. Doing so would GREATLY enhance the habits of those that are trying to get into or maintain their membership in the "healthy pool".

This isnt a health insurance thing only. My wife got rear ended sitting still at a stop light. Totaled the car. Paid the money to us. Except.....Now we have to pay $400 more over 6 months because she had a wreck that no one thinks was her fault.

Florida is a no fault state. Two cars have a wreck. Police say and give a ticket to one driver of the car that caused the wreck. But, Both cars are flagged as if they were both at fault because there is this no fault insurance law.

They raised my house insurance rates in Lees Summit in the mid 90's because a hurricane happened in Florida.

[Woogieman]

Originally Posted by BigRedChief

This isnt a health insurance thing only. My wife got rear ended sitting still at a stop light. Totaled the car. Paid the money to us. Except.....Now we have to pay $400 more over 6 months because she had a wreck that no one thinks was her fault.

Florida is a no fault state. Two cars have a wreck. Police say and give a ticket to one driver of the car that caused the wreck. But, Both cars are flagged as if they were both at fault because there is this no fault insurance law.

They raised my house insurance rates in Lees Summit in the mid 90's because a hurricane happened in Florida.

I had not idea...that needs to be fixed asap. People think about food, gas, utilities, and property taxes going through the roof over the past three years, but insurance costs are sneaky and just as bad. There are no "no-wait" medical sharing orgs out there that may be the best deal on health for the self-employed

[KCUnited]

SOCIAL INFLATION

Issue: Social inflation is a term that describes how insurers’ claims costs are increasing above general economic inflation. This is generally thought to be due to a trend in increasing litigation costs brought by plaintiffs seeking large monetary relief for their injuries.

[Chief Roundup]

Originally Posted by KCUnited

SOCIAL INFLATION

What about just regular ole inflation? You know the price of goods to everyone. When inflation hits several levels that all pertain to one entity it makes that one entity struggle due to being hit with several price increases to complete one task because of inflation.

Try to build something now. The electrician is more expensive, the plumber, the HVAC, the carpenter, etc. The one entity, owner/builder, in this scenario, is getting hammered.
It is no different in most everyday situations including medical insurance or the costs of operating a hospital, rural health clinic, nursing home, procedure space, doctor's office, etc.
All those price increases must be spread out to all parties and individuals or they could not be absorbed and survived.

[Chief Roundup]

Originally Posted by Woogieman

I had not idea...that needs to be fixed asap. People think about food, gas, utilities, and property taxes going through the roof over the past three years, but insurance costs are sneaky and just as bad. There are no "no-wait" medical sharing orgs out there that may be the best deal on health for the self-employed

Dude, how old are you?
This will never be changed. Insurance companies have been doing this forever. It is an agreement that they all made with each other to save themselves money. Also to get coverage for all vehicles in a large accident situation, otherwise drivers and others would not have been covered.

[Chief Roundup]

Originally Posted by Woogieman

US insurance needs to develop a "Health Care SR-22" so the rest of us don't have to sacrifice our retirement goals for the Big Gulp chugging, smoke-a-pack-just outside-the-building's-front-door, no-walking, buffet-busting, lil' Debbie crowd. It's such a scam that drivers are rated, life insurance purchasers are rated, but they don't group the healthy and the morbidly obese/high risk people in their own groups. Doing so would GREATLY enhance the habits of those that are trying to get into or maintain their membership in the "healthy pool".

Your Bias and ignorance of everything that comes into the situations is showing.
Most of the people you are referring to are poor. Those people have to eat cheap. Do you know what is cheap? Food that is bad for you. There are many other factors. I will stop here as they will get into an area that is political and all of that other stuff that gets people mad.

[notorious]

If people had to pay outside of work they would shit their pants.


46 non smoker married to a 42 female with great tits non-smoker. Healthy, I've been to the doctor one time in 20 years to get a thumb stitched up.

1400/month. Small business owner.

[BWillie]

Originally Posted by notorious

If people had to pay outside of work they would shit their pants.


46 non smoker married to a 42 female with great tits non-smoker. Healthy, I've been to the doctor one time in 20 years to get a thumb stitched up.

1400/month. Small business owner.

Yap I'm gonna be in same boat. Although a friend of mine who is a poker dealer says he makes less than 19k a year and it's only $280 a month for him.

[notorious]

Originally Posted by BWillie

Yap I'm gonna be in same boat. Although a friend of mine who is a poker dealer says he makes less than 19k a year and it's only $280 a month for him.

Healthcare.gov saves a lot of money with subsidies if Uncle Sam thinks that you don't make much.

I'm going to leave it at that.

[blake5676]

Originally Posted by notorious

If people had to pay outside of work they would shit their pants.


46 non smoker married to a 42 female with great tits non-smoker. Healthy, I've been to the doctor one time in 20 years to get a thumb stitched up.

1400/month. Small business owner.

Self-insuring is absolutely insane these days. If you fall in "middle class" where you make more than the level where you get a subsidy but you're not making 2 or 300k per year, it's gonna be a dagger. And unfortunately you can be as healthy as possible and you're still gonna get bent over.

I'm luckily on my wifes plan, but it would cost me $7-800/month for a plan with a high deductible and narrow network to insure just myself at 41 years old. And then I'd have to pay about $5k more before the insurance would even kick in. So you're basically looking at $15k out of pocket with the deductible and the monthly premium before actually getting any benefit.

I don't mean to make this political, but prior to the ACA (and getting married and being on my wifes plan) I used to pay about $70/month for a $2500 deductible with the largest local insurer and network in KC. Obviously I'm 10 years older now and inflation, but it would cost 10 times as much for a shittier plan if I were out there on my own again. The individual marketplace is HORRIBLE if you're not receiving subsidies for having a lower income.

[Wisconsin_Chief]

Originally Posted by notorious

If people had to pay outside of work they would shit their pants.


46 non smoker married to a 42 female with great tits non-smoker. Healthy, I've been to the doctor one time in 20 years to get a thumb stitched up.

1400/month. Small business owner.

Absolutely disgusting.

[O.city]

Originally Posted by notorious

If people had to pay outside of work they would shit their pants.


46 non smoker married to a 42 female with great tits non-smoker. Healthy, I've been to the doctor one time in 20 years to get a thumb stitched up.

1400/month. Small business owner.

Uh, yeah they would.

36 non smoker, 38 wife non smoker, no health issues for either of us.

3 kids 10 and under.

2200 a month.