I’m self employed and was paying my own health insurance for the last 5-6 years which was running about $550 a month last year with blue cross. Got married and the wife’s company was with signa and was like $200 a month to add me so did that. She’s now swapped jobs and they have blue cross so we just added me on that. Come to find out it’s $1200 a month. So I’m back looking for myself. Anyone have any advice?
OT: Health insurance
- Thread starter Delta_dawg
- Start date
Get divorced. Don’t report any of your income. And get a subsidy on Aca exchange.
I’m a HDHP guy myself. If you can make it through a year or two with nothing big you can nearly self insure. Got to watch that out of pocket maximum.
Yeah, I think a contract issue. From my understanding, UMMC wants to be paid more than Baptist or St D and blue cross thinks the reimbursement should be the same (I could have that wrong). I don’t know who’s right or wrong on the issue, but it does need to be worked out. Frustrating paying for insurance and not being able to use it where you want or need.
I’m salty about it in particular right now because of a recent incident with my 2 year old son. Everything turned out to be fine but it would have been nice if we could have gone to the childrens hospital.
This is me. I crunched the numbers and it’s pretty damn close to a wash. Plus flex money is all yours at retirement. My plan let’s me invest it in a few market funds. IMO this is how insurance should work - don’t go to the doc for every fever since it’s your money pissing away.
I'm pretty pissed at BCBS. We have anthem through them and last week my wife had to go to an orthopedic doctor about her knee. He wanted to do a fluid shot but insurance denied it as not medically necessary. The 17ing shot is used to treat the exact issue my wife has. The doctor who specializes in the field said it needs to be done but those asshats say it's medically unnecessary. Like she would decide to get a shot into her knee just because it's a damn fetish or something.
$1.65 million a year for your shots? Holy **** do you never, ever, ever get to complain about the healthcare/insurance system... You win the lottery every day bro. You singlehandedly take up everyone's premium $6 or something lol.
ETA. Feel free to rail on big pharma doh.
ETA. Feel free to rail on big pharma doh.
We had a similar experience with my wife’s back issues. They made her get an X-ray before she could get an MRI. All the doctors said it was nonsense and they would see nothing on an X-ray, but insurance wouldn’t approve an MRI until she got an X-ray. This cost us more money for a procedure she didn’t need and delayed her MRI 3 days. She was in a lot of pain and it was a really long time to delay her treatment. Common sense does not prevail in insurance. They don’t care that you are a person. You’re just a line in spreadsheet to be plugged into their formulas.
Have idea what you are on, but it sure makes the cyclosporine I've been on for 20+ years (kidney transplant) seem cheap as dirt.
I work in healthcare and this unfortunately is a common theme with them
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Reading **** like this and other similar accounts straight up makes my blood boil. The flat out shittiest, most 17ed up health care system in the entire civilized world, and there really isn’t a close 2nd place.
Harry Bollocks likes the healthcare systems in Britain, France and Germany, especially the French system even with some of the ******** and tradeoffs inherent in national healthcare (cue the outrage from the "but socialism" crowd that probably likes some social welfare programs but hates the word socialism and can't even define it properly). Not saying universal healthcare will automatically work well here. Harry Bollocks has good, but a bit expensive, health insurance with access to good doctors. Mrs. Harry Bollocks makes a lot more here than she did in France, something I like (I can fit two Euro homes into my one American home. Big cars and big washers and dryers are cool too). Tradeoffs. One day I'll get to use socialized healthcare again: Medicare.
It’s a blessing for sure. I can’t function without the medicine whatsoever so I’m grateful for the insurance.
Health Savings Account (HSA) money is yours to keep, Flex money (FSA) does not roll over year to year.
I'm on one, and it hits you on office visits, full price rather than the copay that you usually get on traditional plans. Still a good deal if you expect minimal usage.
Your wife’s premiums aren’t on the insurance company….
It’s on how much her employer contributes to the plans.
FWIW, I used to work for a BCBS conglomerate…. You may not know, but all BCBS plans (states) are independently owned and operated. The only commonality is that they all answer to the BCBS Association in Chicago.
When I worked for my BCBS company (5 states), my insurance was decent. I now work for a completely different company that uses United and the premiums and plans are immensely better than I had when I worked basically for the source. It’s because my current company foots most of the bill.
It’s on how much her employer contributes to the plans.
FWIW, I used to work for a BCBS conglomerate…. You may not know, but all BCBS plans (states) are independently owned and operated. The only commonality is that they all answer to the BCBS Association in Chicago.
When I worked for my BCBS company (5 states), my insurance was decent. I now work for a completely different company that uses United and the premiums and plans are immensely better than I had when I worked basically for the source. It’s because my current company foots most of the bill.
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