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Open Enrollment - Let's All Complain

Gameface said:
I happy I have the insurance I have and that my family is double insured because now that my wife moved to a salaried position she has access to reasonably good insurance as well and we both purchase the full package available.
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If something really bad happens, your providers might experience a delay in getting paid as the two insurance companies fight it out for which one is responsible for the payments, and your credit might suffer as a result.
 
One Brow said:
If something really bad happens, your providers might experience a delay in getting paid as the two insurance companies fight it out for which one is responsible for the payments, and your credit might suffer as a result.
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The way this used to work was you listed one as primary and one as secondary. My wife and I had this for a while when we were first married. They billed the primary then whatever wasn't paid was billed to the secondary. Sounds like they don't do that anymore.
 
LogGrad98 said:
The way this used to work was you listed one as primary and one as secondary. My wife and I had this for a while when we were first married. They billed the primary then whatever wasn't paid was billed to the secondary. Sounds like they don't do that anymore.
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It depends on the policies of course. If the primary doesn't know about the secondary now, and finds out later, it can get messy.
 
LogGrad98 said:
The way this used to work was you listed one as primary and one as secondary. My wife and I had this for a while when we were first married. They billed the primary then whatever wasn't paid was billed to the secondary. Sounds like they don't do that anymore.
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The way it has worked for us is that the provider asks what our birthdays are and then tells us the primary is based on whose birthday comes first.

Not a joke.
 
Alaska, I was just saying that it kind of sounds like you are complaining that your employer is picking up the tab for your health insurance, and you are getting a benefit that you are not taxed on, as you yourself point out.. I do agree that it would be preferable if health costs were less expensive. I'm not so sure I agree with your dual premises that if employers did not pay for health insurance, that incomes would necessarily rise proportionately, or that health costs would decrease in such a world. Maybe you are right, but I'm not sure it is that simple. It seems to me that working class people in the US believe politicians and media that tell them they have it so terrible, when in fact they don't.
 
I am all for reducing the cost of health care. C-Span is doing a program on it now, with Dr. Marty Makary , author of "The Price We Pay". He claims that 48% of government spending goes towards health care, (!) and argues (like AlaskaA) that there should be more awareness of what procedures cost before they are done.
 
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fishonjazz said:
No we don't. I have been sick as **** for 3 months straight and haven't been to the doctor cause it's too expensive. Haven't missed a day of work either (been working overtime the entire time actually). Been paying that premium every week though.

That's not the best

Sent from my ONEPLUS A6013 using JazzFanz mobile app
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Dannon’s plan is that bad? You can’t go to the doctor, pay a small copay (mine is $15 and for some reason, $0 at urgent care) and then pay for a script should the dr write you one?

When you say expensive, how much are you talking?
 
Wes Mantooth said:
Dannon’s plan is that bad? You can’t go to the doctor, pay a small copay (mine is $15 and for some reason, $0 at urgent care) and then pay for a script should the dr write you one?

When you say expensive, how much are you talking?
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The plan I'm on I have to pay 100% of everything until I hit 3,000 dollars and then insurance pays 80% after that. No Co pays.
There is the option for me to go with a different plan that is similar to yours but then I have to pay a much higher premium each week from my paycheck to have that plan.

Oh and I ****ed up my hip last Saturday and have been in pain and walking with a limp ever since. **** going to the doctor though. Just gonna keep walking it off and hope it heals itself.

Sent from my ONEPLUS A6013 using JazzFanz mobile app
 
Okay, so i just looked.

I pay just under $7,000 a year for my family’s medical. Doesn’t matter how many how children I have. Could have 1, could have 7. It would still be $7,000. This includes dental too. It used to be better but, well, with states all having major deficits, and bs bidding processes for major jobs in our state (and I suspect most) raping the states fiscally, and state employees double dipping, and the people who run the states being unable to manage money responsibly, and the need to subsidize those who’ve done nothing to better their lives, well, we’re at a major deficit and thus, I now pay much more than I used to.

My copay is $15. My script cost depends on the drug but is typically cheap as hell and less than $15. My deductible is $400 for my family.
 
fishonjazz said:
The plan I'm on I have to pay 100% of everything until I hit 3,000 dollars and then insurance pays 80% after that. No Co pays.
There is the option for me to go with a different plan that is similar to yours but then I have to pay a much higher premium each week from my paycheck to have that plan.

Oh and I ****ed up my hip last Saturday and have been in pain and walking with a limp ever since. **** going to the doctor though. Just gonna keep walking it off and hope it heals itself.

Sent from my ONEPLUS A6013 using JazzFanz mobile app
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How much more would you have to pay per week?
 
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