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    Health insurance plans

    Scheduled Pinned Locked Moved IT Discussion
    health insurance
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    • pchiodoP
      pchiodo @Kris_K
      last edited by

      @Kris_K

      It's a bit more than that - By $600 in premiums. So more like $6K on the first plan. Still F'd if you ask me.

      DashrenderD 2 Replies Last reply Reply Quote 1
      • DashrenderD
        Dashrender @pchiodo
        last edited by

        @pchiodo said in Health insurance plans:

        @Kris_K

        It's a bit more than that - By $600 in premiums. So more like $6K on the first plan. Still F'd if you ask me.

        So to those ... oh wait.. I don't want to go and break my own request 🙂

        1 Reply Last reply Reply Quote 0
        • DashrenderD
          Dashrender @pchiodo
          last edited by

          @pchiodo said in Health insurance plans:

          @Kris_K

          It's a bit more than that - By $600 in premiums. So more like $6K on the first plan. Still F'd if you ask me.

          Correct, my max out of pocket for covered things in a year are $5350 + $600 = $5950

          1 Reply Last reply Reply Quote 0
          • DashrenderD
            Dashrender
            last edited by Dashrender

            Now, as I mentioned my company offers a PPO plan as well.

            PPO Plan:
            Premium per month: $484
            Employer pays $343, I pay $141
            Normal office visits $50 copay, Speciality Office visits $50 copay, pharmaceuticals $5-50 ea
            Deductible $600, toward non clinic visits
            After deductible pay 20% until patient has an out of pocket expense of $2850/yr

            total max out of pocket $4542

            FYI, We do not have a FLEX plan for these plan members. For those that don't know, a FLEX plan is a bit like a HSA plan (see above). It has lower maxes, typcially $2000 I think, and what you don't use by the end of the year is forfeit to the plan holder.

            1 Reply Last reply Reply Quote 0
            • DashrenderD
              Dashrender
              last edited by Dashrender

              Full disclosure - one might ask - hey wait Dash, why did you pick the HD plan when the out of pocket max is higher than your PPO plan?

              A few things, I have only met my the max spend two times in the last 5 years for pre existing conditions that are now resolved, so I don't expect anything new along these lines.

              Also, my company provides another benefit. Anyone who uses the HD plan, the company pays for the remaining deductible (remember it is $5350) after the employee pays the first $2000.

              This makes my real max out of pocket $2000 + $672 = $2672
              All of which is tax deductible.

              1 Reply Last reply Reply Quote 1
              • scottalanmillerS
                scottalanmiller
                last edited by

                I can't get healthcare in the US. The Obamacare plans don't cover people in my situation. So we are stuck without any means of getting health insurance even as American citizens.

                DashrenderD 1 Reply Last reply Reply Quote 0
                • DashrenderD
                  Dashrender @scottalanmiller
                  last edited by

                  @scottalanmiller said in Health insurance plans:

                  I can't get healthcare in the US. The Obamacare plans don't cover people in my situation. So we are stuck without any means of getting health insurance even as American citizens.

                  I'm still confused about this - mostly because I don't recall the conversation we had 2+ months ago about why you can't get insurance. But we agree that health insurance for you is pretty worthless since you spend most of your time out of the country.

                  scottalanmillerS 1 Reply Last reply Reply Quote 0
                  • scottalanmillerS
                    scottalanmiller @Dashrender
                    last edited by

                    @Dashrender said in Health insurance plans:

                    @scottalanmiller said in Health insurance plans:

                    I can't get healthcare in the US. The Obamacare plans don't cover people in my situation. So we are stuck without any means of getting health insurance even as American citizens.

                    I'm still confused about this - mostly because I don't recall the conversation we had 2+ months ago about why you can't get insurance. But we agree that health insurance for you is pretty worthless since you spend most of your time out of the country.

                    We'd LIKE to be insured, it's just that nothing that meets the qualifications of Obamacare is required to cover us. So they don't.

                    DashrenderD 1 Reply Last reply Reply Quote 0
                    • DashrenderD
                      Dashrender @scottalanmiller
                      last edited by

                      @scottalanmiller said in Health insurance plans:

                      @Dashrender said in Health insurance plans:

                      @scottalanmiller said in Health insurance plans:

                      I can't get healthcare in the US. The Obamacare plans don't cover people in my situation. So we are stuck without any means of getting health insurance even as American citizens.

                      I'm still confused about this - mostly because I don't recall the conversation we had 2+ months ago about why you can't get insurance. But we agree that health insurance for you is pretty worthless since you spend most of your time out of the country.

                      We'd LIKE to be insured, it's just that nothing that meets the qualifications of Obamacare is required to cover us. So they don't.

                      I don't understand this. Are you saying that no one carries a plan in Texas that is Obamacare compliant that you can purchase? How can that be? What is disqualifying you from the plans that the citizens of Texas I assume must have so they aren't all paying fines against Obamacare today?

                      scottalanmillerS 1 Reply Last reply Reply Quote 0
                      • scottalanmillerS
                        scottalanmiller @Dashrender
                        last edited by

                        @Dashrender said in Health insurance plans:

                        @scottalanmiller said in Health insurance plans:

                        @Dashrender said in Health insurance plans:

                        @scottalanmiller said in Health insurance plans:

                        I can't get healthcare in the US. The Obamacare plans don't cover people in my situation. So we are stuck without any means of getting health insurance even as American citizens.

                        I'm still confused about this - mostly because I don't recall the conversation we had 2+ months ago about why you can't get insurance. But we agree that health insurance for you is pretty worthless since you spend most of your time out of the country.

                        We'd LIKE to be insured, it's just that nothing that meets the qualifications of Obamacare is required to cover us. So they don't.

                        I don't understand this. Are you saying that no one carries a plan in Texas that is Obamacare compliant that you can purchase? How can that be? What is disqualifying you from the plans that the citizens of Texas I assume must have so they aren't all paying fines against Obamacare today?

                        I can purchase the plan, but it won't cover me. And it's US wide, not limited to Texas. It's a known gap in the Obamacare system. Travelers in our situation are caught in a missed situation where Obamacare doesn't cover us but we still get the penalty. It's not that I'm not allowed to pay for coverage, there is just not requirement for me to be covered.

                        DashrenderD 1 Reply Last reply Reply Quote 0
                        • DashrenderD
                          Dashrender @scottalanmiller
                          last edited by

                          @scottalanmiller said in Health insurance plans:

                          Travelers in our situation are caught in a missed situation where Obamacare doesn't cover us but we still get the penalty. It's not that I'm not allowed to pay for coverage, there is just not requirement for me to be covered.

                          I'm lost again, first you say

                          but we still get the penalty

                          then you say

                          there is just not requirement for me to be covered.

                          If there's no requirement, then how could there be a penalty?

                          scottalanmillerS 1 Reply Last reply Reply Quote 0
                          • scottalanmillerS
                            scottalanmiller @Dashrender
                            last edited by

                            @Dashrender said in Health insurance plans:

                            @scottalanmiller said in Health insurance plans:

                            Travelers in our situation are caught in a missed situation where Obamacare doesn't cover us but we still get the penalty. It's not that I'm not allowed to pay for coverage, there is just not requirement for me to be covered.

                            I'm lost again, first you say

                            but we still get the penalty

                            then you say

                            there is just not requirement for me to be covered.

                            If there's no requirement, then how could there be a penalty?

                            Because the penalty is for not having insurance, not for being covered. I am penalized unless I pay for insurance that doesn't cover me. There is no coverage available that qualifies for not getting the penalty. There is insurance that I'm supposed to have, but no coverage. It's 100% a tax on people in my situation to pay for everyone else's healthcare and none of our own. It's creating the exact situation they claimed the law was to fix.

                            DashrenderD 1 Reply Last reply Reply Quote 0
                            • iroalI
                              iroal @Dashrender
                              last edited by

                              @Dashrender

                              My plan works as follows:
                              Premium per month: $338
                              Employer pays $282, I pay $56
                              My deductible is $5350/yr which I'm 100% responsible for, after the deductible is met, the insurance company pays 100% of covered costs.

                              I can't understand how in USA is so expensive.

                              In Spain sanity is free and cover you anything, It's not perfect, sometimes can take month a simple scanner, but It works fine.

                              If you want you can pay for a private secure but you pay about 50-70€ per month no 300€ as I read.

                              DashrenderD 1 Reply Last reply Reply Quote 0
                              • J
                                Jimmy9008
                                last edited by

                                Didn't realise your healthcare insurance costs that much. Damn.

                                1 Reply Last reply Reply Quote 0
                                • DashrenderD
                                  Dashrender @scottalanmiller
                                  last edited by

                                  @scottalanmiller said in Health insurance plans:

                                  @Dashrender said in Health insurance plans:

                                  @scottalanmiller said in Health insurance plans:

                                  Travelers in our situation are caught in a missed situation where Obamacare doesn't cover us but we still get the penalty. It's not that I'm not allowed to pay for coverage, there is just not requirement for me to be covered.

                                  I'm lost again, first you say

                                  but we still get the penalty

                                  then you say

                                  there is just not requirement for me to be covered.

                                  If there's no requirement, then how could there be a penalty?

                                  Because the penalty is for not having insurance, not for being covered. I am penalized unless I pay for insurance that doesn't cover me. There is no coverage available that qualifies for not getting the penalty. There is insurance that I'm supposed to have, but no coverage. It's 100% a tax on people in my situation to pay for everyone else's healthcare and none of our own. It's creating the exact situation they claimed the law was to fix.

                                  OK I'm remembering this from before now.

                                  And example might be - Obama care requires that your insurance provide yearly wellness at not extra cost to you. And a plan that you would consider buying doesn't include that. And a plan that does include that is worthless to you all of your international traveling days.

                                  1 Reply Last reply Reply Quote 0
                                  • DashrenderD
                                    Dashrender @iroal
                                    last edited by

                                    @iroal said in Health insurance plans:

                                    @Dashrender

                                    My plan works as follows:
                                    Premium per month: $338
                                    Employer pays $282, I pay $56
                                    My deductible is $5350/yr which I'm 100% responsible for, after the deductible is met, the insurance company pays 100% of covered costs.

                                    I can't understand how in USA is so expensive.

                                    In Spain sanity is free and cover you anything, It's not perfect, sometimes can take month a simple scanner, but It works fine.

                                    If you want you can pay for a private secure but you pay about 50-70€ per month no 300€ as I read.

                                    Right, that's because you pay taxes to pay for these services. So you are paying, just not directly to the medical institutions.

                                    iroalI scottalanmillerS 2 Replies Last reply Reply Quote 0
                                    • hobbit666H
                                      hobbit666
                                      last edited by

                                      Man i'm glad to have the NHS here in the UK. all this seems complex and expensive 🙂

                                      1 Reply Last reply Reply Quote 1
                                      • iroalI
                                        iroal @Dashrender
                                        last edited by

                                        @Dashrender said in Health insurance plans:

                                        @iroal said in Health insurance plans:

                                        @Dashrender

                                        My plan works as follows:
                                        Premium per month: $338
                                        Employer pays $282, I pay $56
                                        My deductible is $5350/yr which I'm 100% responsible for, after the deductible is met, the insurance company pays 100% of covered costs.

                                        I can't understand how in USA is so expensive.

                                        In Spain sanity is free and cover you anything, It's not perfect, sometimes can take month a simple scanner, but It works fine.

                                        If you want you can pay for a private secure but you pay about 50-70€ per month no 300€ as I read.

                                        Right, that's because you pay taxes to pay for these services. So you are paying, just not directly to the medical institutions.

                                        Yes I pay it with my Taxes but if I'm unemployee I also get these services, even If I've never work before.

                                        And I'm sure that, in global, I pay less in sanity that in USA, Sanity cover you 80-90% of main medicaments.

                                        1 Reply Last reply Reply Quote 0
                                        • scottalanmillerS
                                          scottalanmiller @Dashrender
                                          last edited by

                                          @Dashrender said in Health insurance plans:

                                          @iroal said in Health insurance plans:

                                          @Dashrender

                                          My plan works as follows:
                                          Premium per month: $338
                                          Employer pays $282, I pay $56
                                          My deductible is $5350/yr which I'm 100% responsible for, after the deductible is met, the insurance company pays 100% of covered costs.

                                          I can't understand how in USA is so expensive.

                                          In Spain sanity is free and cover you anything, It's not perfect, sometimes can take month a simple scanner, but It works fine.

                                          If you want you can pay for a private secure but you pay about 50-70€ per month no 300€ as I read.

                                          Right, that's because you pay taxes to pay for these services. So you are paying, just not directly to the medical institutions.

                                          But they pay lower taxes. So in comparison, they get paid for healthcare.

                                          1 Reply Last reply Reply Quote 1
                                          • JaredBuschJ
                                            JaredBusch
                                            last edited by JaredBusch

                                            This glorious plan pictured below costs me a measly $701.47 per month for a family of 4.

                                            That comes to $8417.64 per year.

                                            This year has only been well child visits.

                                            0_1478271929094_upload-fb6c54eb-1b04-455e-a155-8080ee988998

                                            0_1478272252220_upload-a136b318-488e-42f9-86bf-97dce39e821c

                                            pchiodoP BRRABillB PSX_DefectorP 3 Replies Last reply Reply Quote 0
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