Naraku4656 Posted November 11, 2017 Share Posted November 11, 2017 i get to pick my benefits for next year. lets see how close i get to the deductible limit next year since it always gets higher and i never seem to make it to where they ever pay for anything Link to comment Share on other sites More sharing options...
Still Me Posted November 11, 2017 Share Posted November 11, 2017 i get to pick my benefits for next year. lets see how close i get to the deductible limit next year since it always gets higher and i never seem to make it to where they ever pay for anything dude i fucking hate open enrollment...i went from paying $26 a check to $80 a check Link to comment Share on other sites More sharing options...
Skinko Posted November 11, 2017 Share Posted November 11, 2017 Is this about insurance? I don't understand why anyone would pay for something like that. Link to comment Share on other sites More sharing options...
Naraku4656 Posted November 12, 2017 Author Share Posted November 12, 2017 Is this about insurance? I don't understand why anyone would pay for something like that. i make too much so it's cheaper to get insurance that's useless than to pay the penalty Link to comment Share on other sites More sharing options...
bnmjy Posted November 12, 2017 Share Posted November 12, 2017 Is this about insurance? I don't understand why anyone would pay for something like that. Because if something bad were to happen you wouldn't be screwed into paying medical bills for the rest of your life . . . ? Link to comment Share on other sites More sharing options...
Naraku4656 Posted November 12, 2017 Author Share Posted November 12, 2017 Because if something bad were to happen you wouldn't be screwed into paying medical bills for the rest of your life . . . ? > implying insurance wouldn't just drop you after a major medical incident i've been injured more times than i can count and i've yet to see insurance ever pay out Link to comment Share on other sites More sharing options...
bnmjy Posted November 12, 2017 Share Posted November 12, 2017 > implying insurance wouldn't just drop you after a major medical incident i've been injured more times than i can count and i've yet to see insurance ever pay out Obamacare makes that illegal, you know. You said you have a high deductible, so of course you wouldn't get to see insurance pay out. My insurance has always been "fair." Link to comment Share on other sites More sharing options...
Naraku4656 Posted November 12, 2017 Author Share Posted November 12, 2017 Obamacare makes that illegal, you know. You said you have a high deductible, so of course you wouldn't get to see insurance pay out. My insurance has always been "fair." even when i had decent insurance dedutibles they always found ways of getting out of it. Link to comment Share on other sites More sharing options...
bnmjy Posted November 12, 2017 Share Posted November 12, 2017 even when i had decent insurance dedutibles they always found ways of getting out of it. Idk. I guess you just have sucky insurance. My deductible is somewhat high at 600 dollars, but there are many services available for a fixed 25 dollar copay before I meet that amount. If I ever have to go to the ER and get admitted to a hospital, I am pretty screwed. S: Still, it's better than nothing and I'd manage somehow. Link to comment Share on other sites More sharing options...
Naraku4656 Posted November 12, 2017 Author Share Posted November 12, 2017 mine is 2500. so Link to comment Share on other sites More sharing options...
UncomfortableGoatee Posted November 12, 2017 Share Posted November 12, 2017 sooooooo youve gotta use that 2500 to throw a B I T C H I N kegger!!! Link to comment Share on other sites More sharing options...
NaBarney Posted November 12, 2017 Share Posted November 12, 2017 mine is 2500. so Yer fuck't Obamacare is such bullshit Link to comment Share on other sites More sharing options...
molarbear Posted November 12, 2017 Share Posted November 12, 2017 mine is 2500. so My State refused to setup their own AH so the Government did the basic one. It cost $310 a month and my deductible is $6000 I basically only pay for it so that I don't go bankrupt if I break a limb or something Link to comment Share on other sites More sharing options...
NaBarney Posted November 12, 2017 Share Posted November 12, 2017 I basically only pay for it so that I don't go bankrupt if I break a limb or something Also you're probably like OP in that if you didn't pay for insurance you'd get fined for not having it and wouldn't really come out ahead. It's such bullshit and your premiums and deductibles are only going to go up year to year. Link to comment Share on other sites More sharing options...
bnmjy Posted November 12, 2017 Share Posted November 12, 2017 mine is 2500. so Oh damn. I didn't realize my insurance was that good, though I hear so many people with better rates than me. S: Link to comment Share on other sites More sharing options...
rilkean_heart Posted November 12, 2017 Share Posted November 12, 2017 It's the time of the season Link to comment Share on other sites More sharing options...
NaBarney Posted November 12, 2017 Share Posted November 12, 2017 Oh damn. I didn't realize my insurance was that good, though I hear so many people with better rates than me. S: Honestly your $600 deductible is the best I've ever heard of from someone personally, you're probably doing better than most regardless of whatever you pay per month assuming it isn't anything crazy. https://www.cnbc.com/2016/10/26/obamacare-deductibles-are-on-the-rise-for-2017-along-with-monthly-premiums.html Deductibles for individuals enrolled in the lowest-priced Obamacare health plans will average more than $6,000 in 2017, the first time that threshold has been cracked in the three years that Affordable Care Act marketplaces have been in business, a new analysis finds. Families enrolled in bronze plans will have average deductibles of $12,393, according to the study by the consumer insurance comparison site HealthPocket. HealthPocket also found that that average premiums, or monthly payments, for bronze plans nationwide will increase 21 percent next year for people who earn too much to qualify for Obamacare subsidies. A 40-year-old unsubsidized bronze plan customer would pay $350.23 each month for their health coverage, compared to $289.88 per month this year. That's more than three times the 6 percent increase in average deductibles for bronze plans in 2017. And deductibles for the second-least-expensive types of plans, silver plans, will average $3,572 for individuals next year, about 15 percent more than this year's average deductible for silver plans, the study found. Deductibles for families covered by silver plans are up by the same amount, for an average of $7,474 next year. Premiums of all silver plans are rising by an average of 17 percent nationwide. A 40-year-old person enrolled in a silver plan who wasn't eligible for financial aid would pay an average of $410.73 per month for insurance, compared to $351.02 this year. "With respect to 2017, it is immediately evident that the market conditions facing the unsubsidized are getting considerably worse," HealthPocket's report said. "The percentage increase for each category of Obamacare nationwide is in the double-digits." "Deductibles among bronze and silver plans, the plans most likely to be purchased by people without subsidies, are still considerably beyond what the average family has saved for medical bills," the report said. Obamacare plans are divided into four metal tiers — bronze, silver, gold, and platinum. Bronze plans tend to have the lowest monthly premiums and the highest deductibles. Silver plans as a rule have higher premiums than bronze plans, but lower deductibles. That pattern continues up to platinum plans, which have the highest premiums and the lowest deductibles. Most subsidized Obamacare customers opt for a silver plan, because the subsidies can significantly reduce their premium, and because silver plans are the only type of coverage for which the out-of-pocket financial subsidies can be applied. HealthPocket found that gold plans will see their premiums rise by an average of 22 percent. Nationally, the average 40-year-old enrolled in a gold plan would pay, before subsidies, $522.45 per month, compared to an average of $428.51 this year for the same type of plan. For platinum plans, premiums are rising by an average of 15 percent in 2017. Link to comment Share on other sites More sharing options...
StarPanda Posted November 12, 2017 Share Posted November 12, 2017 Yeah buddy get er done Link to comment Share on other sites More sharing options...
quebecelegy Posted November 12, 2017 Share Posted November 12, 2017 guys dont tell the govermemt, but i dont have insurance Link to comment Share on other sites More sharing options...
Phillies Posted November 12, 2017 Share Posted November 12, 2017 I don't understand a thing you just said. Link to comment Share on other sites More sharing options...
bnmjy Posted November 12, 2017 Share Posted November 12, 2017 Honestly your $600 deductible is the best I've ever heard of from someone personally, you're probably doing better than most regardless of whatever you pay per month assuming it isn't anything crazy. You guys are probably gonna hate me . . . I checked my plan, just to make sure I remembered correctly, and I did. My in-network deductible is 650 dollars. My premium is 90 dollars per pay check. There's an even cheaper option I can get that has a 1500 dollar in-network deductible for about 45 dollars per pay check. That option has very few fixed copays though. Benefits of working for a multinational mega corporation, I guess . . . I seriously know some people who get better insurance though, like a zero dollar deductible HMO with a 400 dollar a month premium for a family of four. Link to comment Share on other sites More sharing options...
NaBarney Posted November 12, 2017 Share Posted November 12, 2017 You guys are probably gonna hate me . . . I checked my plan, just to make sure I remembered correctly, and I did. My in-network deductible is 650 dollars. My premium is 90 dollars per pay check. There's an even cheaper option I can get that has a 1500 dollar in-network deductible for about 45 dollars per pay check. That option has very few fixed copays though. Benefits of working for a multinational mega corporation, I guess . . . I seriously know some people who get better insurance though, like a zero dollar deductible HMO with a 400 dollar a month premium for a family of four. Yeah, getting it thru your work is a huge plus. I've been jealous of surprisingly decent plans my friends have gotten through entry level positions at Walgreens and a Sprint call center. Nothing like that godly $400/mo family plan tho. I don't know what you make but for shits and giggles have you looked into what you would get through the ACA marketplace? Open enrollment is going on now through mid-December. You're almost definitely better off with your current $180/mo plan just for the low deductible alone, but it might be interesting to see how much worse off you'd be without it. Link to comment Share on other sites More sharing options...
bnmjy Posted November 12, 2017 Share Posted November 12, 2017 I make less than Packard (28k) but enough that my total monthly premiums are still less than 10 percent my annual salary . . . that should give you a range. It's one thing I'm worried about when I actually start a career: the loss of good benefits. I suppose I'll look at the marketplace one day this week when I'm bored, even though I hate everything about that site. Mine might again reflect differently than the average, as I live near a healthcare giant's headquarters. They aren't my insurance though. My current insurance is considered their rival. Link to comment Share on other sites More sharing options...
Naraku4656 Posted November 12, 2017 Author Share Posted November 12, 2017 My State refused to setup their own AH so the Government did the basic one. It cost $310 a month and my deductible is $6000 I basically only pay for it so that I don't go bankrupt if I break a limb or something i'm taking a more expensive plan next year but i don't think it will help Link to comment Share on other sites More sharing options...
Naraku4656 Posted November 12, 2017 Author Share Posted November 12, 2017 Yeah, getting it thru your work is a huge plus. I've been jealous of surprisingly decent plans my friends have gotten through entry level positions at Walgreens and a Sprint call center. Nothing like that godly $400/mo family plan tho. I don't know what you make but for shits and giggles have you looked into what you would get through the ACA marketplace? Open enrollment is going on now through mid-December. You're almost definitely better off with your current $180/mo plan just for the low deductible alone, but it might be interesting to see how much worse off you'd be without it. i've looked through it and all of the plans are worse than what i have now except for the super ritzy stuff Link to comment Share on other sites More sharing options...
CAC Posted November 12, 2017 Share Posted November 12, 2017 I get mine through work at $36.82 a pay. Honestly don't remember my deductible, I hardly ever go to the doctors anymore. Link to comment Share on other sites More sharing options...
Naraku4656 Posted November 12, 2017 Author Share Posted November 12, 2017 I get mine through work at $36.82 a pay. Honestly don't remember my deductible, I hardly ever go to the doctors anymore. i had to for my shoulder Link to comment Share on other sites More sharing options...
CAC Posted November 12, 2017 Share Posted November 12, 2017 i had to for my shoulder I really should go and get a bunch of tests done, it's been years and I'm fat so.... Link to comment Share on other sites More sharing options...
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