Medical Insurance Enrollment questions

[Fat Elvis]

Originally Posted by Chief Roundup

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.

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.