How many people would you be covering with $200/month? Do you have a large family?
Having dental work done can be really fucking expensive without insurance.
Do you pay for health insurance at work?
I just found out i'm eligible for health/dental/vision insurance, but I'm hesitant to spend the $200 a month or so to get it.
How many people would you be covering with $200/month? Do you have a large family?
Having dental work done can be really fucking expensive without insurance.
I have insurance through my wife's job. It cost $50/month to add me and it's really good insurance. I can't even imagine what it would cost my job to cover me as well - but there's no way in hell it would be $50.
Here's the thing. 200 a month is obviously not nothing, but what happens if you're hospitalized and end up owing 150k? Bankruptcy?
Now, when the health care law takes effect? I dunno, I dunno what the penalty for not having health insurance is and how it shakes down per tax bracket. Probably not worth it at that point. And if you get married or have a kid or something, obviously get the insurance right away because it becomes worth it at that point.
I am very healthy, I haven't even been sick enough to take a day off in years. I do however participate in some injury-risk activities such as skiing and mountain biking, so it is worth it to me to avoid a huge bill related to an injury. My wife had to have a DNC after a miscarriage last year and insurance ended up covering like $12k worth of bills related to that for what was basically an out-patient procedure.
I think it is totally worth it even if you don't foresee immediately needing it. Also don't forget starting next year the government is going to fine/tax/whatever you for not having insurance. Also in 2014 you may be able to find cheaper insurance through a state-run health insurance exchange.
I used a PPO plan for ~$135 a month before I got my current health insurance through work. The PPO Plan was pretty cool. They'd give me 500 dollars every year to cover expenses like deductibles, co-pays, and prescriptions. Then if I didn't use it, it'd roll over to the next year. Beyond that though, it was just a catastrophe plan where there's a huge deductible if something bad happens. All in all, I thought it was a pretty good plan for a young person.
$200 for a single person seems pretty rough to me. I can't really contribute, as I live in Canada and my health care is covered by the province. I know that Vision/Dental coverage under my last union job was $50/month for my family of three, though.
Does the mandate for health insurance in the states force you to take whatever is offered, or can you get cheaper health insurance?
I cover my wife and my son on about $30 a month for amazing dental (90% coverage of everything 100% on normal cleaning/xrays, $2,500 yearly benefit), and about $160 a month for medical that covers 100% of everything until $7,500, at which time I have a 10% co-pay until $25,000, and then after $25,000, I don't pay anything.
I have insurance but I've never once used it.
If you are young and healthy and paying for your own insurance then go for a big ass deductible. As much as you can afford without it being a financial disaster for you. I currently have a $3000 deductible and it costs me around $279 a month. When I worked in a corporation my insurance was paid for the company to the tune of $550 a month. I paid basically nothing except for a $15 co-pay. In 10 years I paid in $66,000 and got out about 6 office visits to my doctor and one outpatient arthroscopic surgery. It certainly would have been a better deal for me to get a cheaper plan with a higher deductible. It's irresponsible to go with no insurance at all, but "Cadillac" plans where you pay nothing but your premiums is not a good value for a young person.
Agree with Brutul. If you are under the age of 30(and probably even 40) go with a high deductible. Sit down and decide how much you would be able to pay off over time without having to declare bankruptcy if something catastrophic happened. Is that $5000, is that $10,000? Most hospitals will work with you when you owe them a few grand and you can make payments on it, they often won't require it in a lump sum(or will offer you a discount if you can pay it in a lump sum), but Don't skimp out on paying $100-$200 a month, when that could keep you from going bankrupt.
Crazy shit happens. My girlfriend in college got ovarian cancer at the age of 23 and died, her parents were farmers and had no health insurance. Almost half a million dollars in medical bills. Her parents had to sell their farm, move into town, and her dad sells used RVs now. Fucking sad. If nothing else, keep your insurance going for your family and the people that love you, you may not care what happens to you if you end up in a coma or dead, but I guarantee your loved ones are going to want to see you get the best care possible, and they are going to try to pay for it if you don't, and it can ruin them.
I just got my benefits package for my new job last week. Company covers all costs but dental which is $17/month and repays $2500 of my medical deductible a year. Kind of insane when I finally found out about it. Time to stop living healthy and put this stuff to good use.
Our premiums are going up for like the third time in five years... for my wife and I next year it will be almost $400 a month.
Going with an HMO this year since all of our Doctors are part of the plan/network and it's honestly the best coverage of all my choices. Did the high deductible option before I was married and it really was the best choice. I think I went to the doctor twice in three years plus I still have all the money I put into my HSA.
I pay $20 a month for dental for my wife and I and I've never gotten a bill except for two cavities my wife had filled this year, so that is a pretty good deal.
Hmm I need to look into private plans. A private plan for me and my family through Cobra (wife and 2 daughters under 3/yr old and me) was over $2,000 a month.
I have 5 people (including myself)on my health insurance plan at work, it's through Health Partners.
I pay $92 a month with zero deductible.
This includes dental and vision which they provide for free.
You'll need health insurance soon enough regardless because of the new laws. You could get a catastrophic HSA compatible policy with a high deductible and get some tax benefits on the money you put in the HSA on top of it.
Regardless of your health you are nuts if you don't carry any health insurance. Plenty of uninsured drivers and you could always break a leg or something stupid happen.
I pay $50 per month with a $2,500 deductible. All preventative care is free and this year they added a clinic by my work, general practitioner, that will treat anyone at my office for free. Dental is 100% for all preventative and 50% for major work up to $2,500 per year. We also get eye care as well, one vision test per year and some generic glasses or contacts.
Before I hired direct with this company about 6 yrs ago I used to pay $800 per month for me and my family. Basically I was purchasing my own insurance. But I also was getting paid more. But with kids and a wife I cannot just risk not having it.
My insurance package is pretty insane, I don't know of may others who have a comparable benefits package/pricing when compared to mine. It was why I took the job in the first place.
Max Out of Pocket
Are all different. When you hit your Max Out of Pocket, your insurance covers you at 100%. This much is true. However, your insurance will still only cover up to the allowed amount that's contracted for that specific provider. This is why it's good to make sure your provider is in network so there are discounts. When you said you have a $2,500 yearly benefit, it sounds like an ANNUAL CAP. Meaning, after your cap has been hit, you will not be covered anymore. Is that correct?
Just for the record, that $25,000 Max OOP is really high. It almost sounds like you have a Medicare plan based on the tiers into the catastrophic limit. Who's your plan through?
Also, I can't imagine not having insurance. The people who say they don't have it because they've not been to the doctor are nuts. Wait til you have an accident and you're stuck in the ER with a 10k or more bill. Ugh.
I cover my wife, son and myself through my job's benefits. It's health, dental, and vision. It's around $150/month for that. $200 seems crazy.
I do think having insurance is very important, and even if you are completely healthy it's a good choice to have insurance. You just never know what might happen.
You say you haven't been to the dentist in 5 years. Usually if you have dental insurance you get two cleanings per year. I think this is pretty important. I've seen a lot of people who never go to the dentist and never get their routine cleanings every 6 months have some serious teeth problems.
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I currently have insurance through employer and they pay everything, I have no premium, but when I got out of college for about 3 years I have no insurance and never had a problem.
Then I got a job and the insurance was not that great. I did not really look at all the fine print and I know this is incredibly stupid but I just kinda thought that you pay for insurance and if you have something wrong and you just have it fixed no charge. Well I had surgery to fix and ACL and got a nice bill for $15,000!!! I attempted to fight the charges and they knocked it down a bit but it basically ruined my life for a year while I tried to pay it back. I just want you to realize what can go wrong so someone else does not make a similar mistake.
Yes through my work/union. I pay about $180?/mo for full coverage, one person. Everything was offered since day one except dental and vision, which are available after 1 year.
Is there an income threshold for having to pay for insurance or get hit with fines? Health Insurance is like $550 a month for me and I can't afford that on min wage of $8.50 ish
Can't afford it, so I don't have it. Luckily though my employer somehow covers people when shit gets serious even though they're uninsured. One of our workers who quit, then got into a serious accident a week later got covered.. and thus drove up our companies premiums. I'd have to pay $200 a month for myself.
Had it at my last job when it was only about $100 a month, but I had a higher paycheck before getting laid off.
Dental health doesnt just help your mouth. Poor dental upkeep has been linked to heart problems, keeping a woman, and other issues. Not only that but it will cost a lot more to ge those nice implants,etc than the regular upkeep of your mouth.
After reading this im quite happy to be living in Canada.
A buddy of mine who lives in Omaha asked me when I had my kids how much they cost me because it was going to cost him 3k ish out of pocket. I told him $20 for gas and $11 for parking.
I have my dad's insurance until my birthday, thanks to Obama, but then I'm gonna have to wait for the real Obamacare to come into effect so I'll be without for a while. Which sucks.
For me, I chose not to have insurance through my 20s. I'm 29 now. Hadn't been to a dentist in a long time because I wasn't having problems. Here I am 29, and I've dropped about 3k on my mouth in the last few months. Getting wisdom teeth out(had a toothe ache that started all of this) Then had a deep cleaning, some cavities filled etc.
In reality I probably would have ended up paying the same whether I was paying monthly through my 20s, or paying for it out of pocket now too. There were a few times in my 20s where I needed meds to clear up a sinus infection once, etc. So I probably saved a little bit, but at the cost of a major problem would have ruined me financially. Had I broke a bone or something etc. Would have ruined me in the last few years.
I have had insurance through the same company for 15 years now. Every year the insurance premium goes up, this year it is finally more than our mortgage . We switched from a copay-deductible plan to a high deductible HSA. At the rate it has been increasing, it would have broken 1k/month by 2015 at the latest.
We are all healthy, non smokers, in decent shape.
Not sure what will come in the next few years health insurance wise here in the US, but I cant imagine not having some form of insurance. I dont gamble cause I always lose (very unlucky), not having it would get me in trouble.
There are some decent affordable options out there, just got to do some looking.
Hey all. I work in the insurance industry, if you have any questions or issues in particular, let me know, I can probably help.
And if you have Aetna, I have access to claims systems and stuff. But ask me Aetna related things in PM please. HIPAA shit obviously
Yep. $650 a month for me, my wife and baby. Fucking pisses me off everytime I think about it. It still cost us about $7,000 out of pocket to have the baby.
small employers are kind of fucked though. They usually have to choose from pre-made plans that cost way more, per person, than large employers.
if he has a union job, its likely its a very large employer, where they can offer some of the best benefits with very little cost to the employer. And its not like that cost would go straight into the employees hands, more than likely it would go towards acquisitions, expansion etc.
HSA account with work.
I've got it through work as well. My plan has a $1k deductible (after that is paid they cover 100%) and I think co-pays for dr visits and such are $40 a pop.
My wife just had to have her gallbladder removed. The bill I saw before insurance kicked in totaled to a little over $24k.
Are there really people stupid enough to think Obamacare is a good thing?
Problem is that insurance companies are basically stuffing their coffers because they will have to start covering anyone even with pre-existing conditions. Now all the healthy people entering the pool are suppose to offset that cost, but since the fine is relatively low ($600 a year starting in '14 I think) and health insurance prices are going to be so high (as much as doubled by '14 vs '12 rates) I think a lot of people are going to just pay the fine.
It is going to take several years before there are enough healthy people buying insurance to start subsidizing the unhealthy people and driving prices back down.
Last edited by opiate82; 12-13-2012 at 11:09 PM.
Some people got rebates thanks to the 80/20 rule. But the savings received via that have been dwarfed by the increases premiums most health-care consumers have been facing since Obamacare has started to phase in, with the biggest driver of premium increases still coming (no more denying pre-existing conditions).The average cost of an employer-provided family health plan jumped 4% to $15,745 between 2011 and 2012, a cost shared by employers and employees, according to an annual survey released in September by the Kaiser Family Foundation and the Health Research & Educational Trust.
There is substantial evidence that premium increases are driven largely by rising medical costs, not profit-taking. And insurance companies continue to vigorously oppose the standards.
I should note, this pre-existing condition is general epilepsy. I have had zero seizures since I was diagnosed and it is completely managed by medicine. Hell, when I was diagnosed I didn't even have a real seizure. All that happened was that I blacked out momentarily.
Obamacare isn't perfect but you can fuck off if you think requiring health insurance companies having to cover people with pre-existing conditions is a bad thing.
Yup, I guess a bunch of you did drink the Negro-Jesus koolaid and really do believe its a good thing. Tell me how awesome socialism and fewer rights as citizens is good too! Oh, and fill me in on the benefits of giving away what I worked hard for, so some lazy piece of shit can get free everything and continue to suck this country dry through mind-numbingly moronic welfare systems.
The main problem with all of this is that businesses are being expected to shoulder the lions share of the health-care costs. So in a terrible economy, with other operational costs (cost of goods, labor, etc) also on the rise, many businesses might not be able to bare the burden of this cost while waiting for health care prices to drop down thanks to healthy people finally entering the market. Specifically, low-margin businesses are going to be hit particularly hard by this.
I'm not saying that people with pre-existing conditions should not be able to get health insurance. What I am saying is that the implementation of Obamacare is going to make health care prices worse before they get better, and with the economy in the shape that it is in, this is probably the worst time to be driving up health-care prices and forcing people/companies to pay for it.
edit* (My solution to this was simple. They should have started with the individual mandate first, either forcing healthy people into the system or generating revenue via the fines to subsidize this eventual cost increase, then slowly started adding in the cost drivers such as allowing children to stay on their parents plan till age 26 and not allowing insurance companies to deny coverage, but that ship has sailed.)
Last edited by opiate82; 12-14-2012 at 02:29 AM.
I got ripped off.... paid at least €30 in parking (€5 per day).
And €50 to spend the first two nights with the wife & kid.
€ 0 on the c-section and everything else.
wife even has additional insurance for 2-bed-room, so with me in it we had our private room. after i was gone (she had to stay for a few more days because of the c-section) they just didn't bother putting someone else in there with her.
But then we pay for healthcare and it's mandatory. You have work --> you pay. Or rather, your employer pays.
My "work" is all the grants I weasel my way into at school.
I have some amazing insurance through my employer. Comes out before taxes so once it kicked in, dont even notice it because I still get the same amount per week. Biggest thing we used it for was my wifes pregnancy. It was at the main Cleveland Clinic campus, big private room everything was covered 100%. Got a statement in the mail about how much the total cost was, because she had a c-section it ended up being close to $20,000. I get a statement a week later saying how much I owed and fist pumped when I saw $0.00
I had a 45 minute surgery that cost $50k. My insurance at the time told me to fuck off since "you can live with 9 fingers".
Insurance is such a shitfuck asshole business
Packing my shit up and leaving once I'm done with school. I'm too accident prone for the insurance system in the US.
Eventually, something will have to be done (and by done I mean regulation wise) about premiums. Anyone who thinks the insurance companies wont continue to raise them till nobody can afford it is an optimist. Blue Cross weaseled out of the premium rebate that was supposed to help keep them affordable this past year. They will do it again next year.
At least we have the someplace to start health care wise now. Hopefully the AFA isnt the end of health care coverage change in the US, and only the beginning.
The problem is, *in theory* if everyone is insured and hospital bills aren't going unpaid at alarming rates with paying customers(insured) making up the difference to cover for non-paying customers, medical care(especially emergency medical care) prices should go down, and as a result insurance premiums should go down.
In reality, none of that will happen. Hospitals and doctors will keep charging the same if not more as they do now, they'll just make even more profit once they don't have as many deadbeat customers that don't pay, because they know that even if they lowered their prices, insurance companies aren't going to lower their premiums, so fuck it, why lower prices?
Neither hospitals/doctors, nor insurance companies are going to do anything for the good of the common people(lowering prices), they are going to do what they can to make the most money possible, just like any other business or corporation in America would.
Last edited by joeboo; 12-14-2012 at 05:24 PM.
Insurance companies aren't raising the rates simply because they can. Medical costs continue to rise, children are now allowed to stay on their parents plans longer, and the main factor that will drive prices up even further in '14 is that insurance companies will have to offer the same insurance rates to people with pre-existing conditions.
Also, You're living in some sort of pipe dream if you think the over 2k a month they kick in for my benefits would go to me if they weren't paying the insurance. Some of it sure, all of it? No. And again, I'm not going to get the same level of coverage for anywhere near an affordable rate so that money wouldn't make up that difference at all.
The insurance companies aren't COMPLETELY heartless. They are for-profit, which by definition means that they kind of have to charge more and more every year to appease shareholders. But that's not the reason for giant premium increases.
its a massive discussion which I don't mind getting into, but honestly it all goes back to the cost of education.
I'll try a cliff notes version and if anyone wants me to go into more detail from an insurance company perspective I'll gladly elaborate!
doctors are in massive amounts of debt right out of school. WAY more so (even factoring in inflation) than 10,20,30,40 etc years ago. In order to make a good wage, and afford student loan debt, they have to charge a lot. But what makes matters worse is competition.
I'll give an example, you have had a rough headache for over a week, you see your doctor and he says you should probably see a neurologist as they may want to do a mri. You look up doctors in your area and you find two, one who has a small practice, and another who works in a hospital pavilion with a MRI machine on site. Ignoring the quality of the doctor for a second, the choice is pretty clear. You're going to go to the one-stop-shop instead of being referred everywhere and making multiple appointments. Small doctor is losing a lot of business and decides he needs a MRI machine to stay competitive. That's a MASSIVE investment that is not only passed on in terms of higher costs for services, but now the doctor has a financial incentive to do as many mri's as possible to offset the cost of the loan.
I see this every day, mri's/cat scans/ct scans for bad reasons. And in the day of amazing benefits, consumers didn't give a shit on how much they cost, since insurance was footing the bill.
The cost of medical services are still skyrocketting, WAY faster than insurance premiums. Insurance had to invent the high deductible plans to start making consumers aware of the cost of the services.
that's why it looks like benefits are worse while premiums are higher. To even begin to start tackling insurance rates, we have to deal with the cost of medical services, and that is largely due to education costs and lack of affordable care. People go to ERs when they can't get regular treatment, and hospitals can charge whatever the fuck they want since they know they can pass those bills on to the government/tax payer and collections agencies when the patient can't pay
Just because you're under a magic age doesn't necessarily mean you should go for a high deductible. At 26 I was healthy, rarely sick. However, I found out that the constant stomach flu I had been having for the past 10 years (stupid doctors) was because I drastically went from a low fat, mainly vegetable diet to a high fat eat whatever I want diet when I was 16. All it took was that one gall bladder surgery to bankrupt me. I had to lie my ass off to get the surgery because being uninsured no one wanted to touch me because they felt that if I ate right I would stop having attacks. Which was wrong. I ended up getting the surgery but the $30k I was in debt meant I filed for bankruptcy at 27. Those hospital bills were 95% of my debt.
Fast forward another 10 years and I find a lump in my breast. At this point I was on my husband's insurance and if I hadn't been, I would have been screwed all over again. I don't begrudge the ~$300/mo. we pay towards health insurance/vision/dental. It has gotten us through countless diagnostic tests, a double mastectomy and a ridiculous number of breast reconstruction surgeries.
Now, I know most of the people here are guys but some things can strike regardless of age. If I had to beg or steal the money I wouldn't think of going without insurance. Yeah, it's an 'in case shit' kind of thing but many things are a gamble. In case shit happens, I'm covered. If you can find a way to afford it, you should be too.
yeah. Self employed. Can't possibly afford insurance.
Well, couldn't when I looked the last few years. did better this year.
going in next Friday for a biopsy, on a thyroid cyst.
which if even good news probably means that 200/month will be 400+/month if I try to get insurance again. which is back into can't afford range.
comics do not pay that well.
I have the "in case I get shot" plan that costs me something like 40$/month and has a 2500$ yearly deductable or something insane. I considering getting a real plan, but of my options the "best" one was fucking 180$/month for just me and STILL had a 500$ yearly deductable on it for some ungodly reason. I do have full dental for 10$/month though which is nice, and it's about to cover them saving my jaw in half or some shit to fix my teeth.
My plan around 2009ish covered the entirety of my son's birth/wife's cesarean to the tune of ~$20,000. Then it changed it covered most of my daughter's birth in 2011, around ~$15,000, and I paid just over a thousand out-of-pocket for various hospital expenses.
For 2013 I believe it's still 85/15, but now for the first time ever there's a $200 yearly deductible. But it's still around $80 every two weeks for coverage for my family of four, with dental and vision, salary-matched life insurance, $100k voluntary life insurance, $20k spouse, $5k children.
80/20 with my 2nd kid, nearly 2 years ago. The bill was 11k. A week later he developed RSV and pneumonia, and was hospitalized for nearly 4 days. Another 20k, and it didn't count towards our out of pocket maximum for the birth since they tried the "Well, out of pocket max for your wife for the birth, but not out of pocket max for the childs coverage".
Not a huge fan of the insurance industry. But thank goodness for our health care "people". Other than one nurse, we had a fantastic experience considering we were both fairly scared he wouldn't make it.
edit: and by "fairly scared" I mean a Man of Science turning towards god, or the devil or anything to get my son better.
Last edited by Jait; 12-15-2012 at 07:32 AM.
I do not have health insurance. Should prolly pickup one of those just in case I slip and fall on my head plans tho.
I've also seen plenty of hospital bills related to accidents, such as bad MVAs. It's not uncommon to see bills that range anywhere from 200k+ to 1.3 million depending the duration of the stay/the amount of surgeries required. Heck, some of the pills the patient gets everyday, the hospital is charging the person around $80-$150 PER PILL. You are literally charged for everything, right down to disposable wipes or adhesive tape to hold an IV line on your arm.
Unless you were insanely rich, there is literally no way you could afford these hospital bills without insurance.
$150/month for a plan from a Swiss for-profit insurer. (Sorry, limited to Swiss citizens living abroad. The US version of the plan is, of course, the most expensive at that rate.)
Spoilered since people may not care. FWIW: the Swiss system is the model for US reform. In 2014, there's going to be tremendous overlap with pretty much the only difference on the insurance side being that insurance premiums are not deductible in Switzerland (hence no employer offers it).
Now with payments... the wave of the future is to compensate hospitals for the diagnosed condition and not let them bill X-Rays, MRIs, etc individually. Hospitals that release patients early and they end up having complications will have to treat those without reimbursement. Pretty good incentive to do a good and efficient job.
To insure the family of 5 I have on it now with Dental, Vision, and everything health related you can imagine with no deductible and no out of pocket would cost me more then a grand.
And for a 5th time, my job wouldn't come close to making up the difference, I may get 1/4 of that 2k....maybe. Thats it....and I still come out behind.
Is this the case with most others? no, but it is with me and I have no illusions about it.
As a hospital administrator this thread interests me. I'm the CNO (Chief Nursing Officer) at my hospital, and have served as a regional administrator over several other hospitals in our company. I've been educated on the PPACA (Obamacare) until I'm blue in the face, and have written multiple provider/insurance contracts.
I see the point of nearly every post in this thread. I'm a bit one-sided to the discussion as I deal with those without coverage every day and see the effects it can have on a family. I'm also VERY fortunate to be in a position where my health coverage is affordable.
What truly concerns me is what I know of the PPACA and how it will effect the general public over the next 8 years, regardless of who is in office or what party is in control. This question will take on a different shape, and will have much more drastic effects for some.
Last edited by Porkchop; 12-20-2012 at 12:20 AM.
No insurance here. Could get it through work but my companies insurance is literally laughable. It was shit to begin with but when they sent us our benefit info this year I actually laughed...
Anyways I have not looked recently but the last time I did acceptable coverage was simply out of reach for me. Started out with pre-existing conditions related to my back/hands but I was also mugged leading to even more delightful, lifelong health problems. See my doc once a month for schedule 2 meds and will for the rest of my life. Any plan I found that I could reasonably afford I would piss through the annual limit within six months. As a single 27yo with no children I had that option at least. Hoping the new laws will allow me to get some form of beneficial coverage.
I used to think the same way. Until my kid got hit by a car. 11 months hospital and rehab, 3.2 million dollars in hospital bills. I was out of pocket something like 120 dollars. The insurance company never said no. From special booties to increase blood flow in his feet, to private ambulances to transport to different hospitals they covered it all. Its a gamble do you spend 400 dollars a month on insurance or throw the dice and hope you never need it. Obviously we would have been devastated financially, and my son probably would not have made the recovery he did if we did not have insurance.I think that unions are stupid for pushing for these Cadillac health plans instead of more pay raises.
Get a plan that has at least a $150,000 limit. You mean you'll be hitting THAT limit within 6 months in terms of medical?
I'm on student insurance, but it's effin' great. 80/20 plan with low OOP and low deductible. High annual limit. Before that, I got denied by a private insurer because I told them I was on isonizaid for latent tuberculosis. What fucking cockgobblers.
I'm in MA, not sure on other states but we get penalized here if we don't have it. It's something like $15/week from my job that I work 5 hours a week at, peanuts really. The only place that ever turned me down was my gym was giving $10/month discounts if you showed them proof of insurance and they said mine wasn't valid. DICK SUCKS.
I have Blue Cross/Blue Shield of NC through my company, coverage for family is about $200 a month. Also have dental/optical coverage and short long term disability which adds maybe $10 more a month. Single coverage is like $160 a month.
I was 32 when I had a bout with atrial fibrillation, cost me 2k out of pocket - insurance paid about $40,000.
If you can get health insurance at any age I highly recommend it. Would like to hear more about Kalec's take on a "universal" coverage plan.
Yes. Health care is payed via taxes in the land of vikings.
Personal income tax in Denmark is one of the worlds highest: progressive and capped at 51,5%.
Approximately 15% finances free health care for every citizen. In contrast 43% is spent on social welfare, 3% on defense, 2% on public safety, 14% on free school system. Link in danish.
How does that sound to hardworking Americans like yourselves?
Last edited by Izo; 12-29-2012 at 10:39 PM.
So in the just over 9 years, I've spent, uhh...probably $3000 total. No doubt we could probably make more money without it, but I highly doubt it would come close to what we make with it. That's just not the way most companies work.
Full company paid health care. We've got a $20 co-pay for office visits, $100 deductible per person, per year, $1000 deductible for major surgery.
No options. You just get it.
It sounds similar to how my student insurance works. You have to pay for it before each semester but there's only one option. I would definitely ask HR if they're deducting money from your pay for insurance. Just seems bizarre unless that's the norm now.
They're definitely not deducting money. Union plan.
The union gave up a lot of shit to keep the full company paid health care over the last 10 years or so, but it is definitely full company paid. I don't necessarily agree with it, but I get the argument that opening the door to paying money just means we'll be paying for our health care, and never get back all the shit we bargained away.
Same here Cut, matter of fact, our Union contract ended Oct. 6th and we've been day to day ever since with the company paid health care being the sole reason an agreement hasn't been reached yet. In the end the company will cave, they'll have to. If we strike then they will then have 14 states with zero income coming in from them and no one to maintain their lines. I think last time there was a strike it was in 1998 and lasted 10 days and cost the company $20 million. 14 years later it's going to cost them much much more if it comes to that.
Our contract is up this year too, and the company will cave if we don't. Unfortunately, we've got a lot of pussies who are willing to sell the farm away. They talk a big talk, and then all go vote yes on whatever bullshit proposal the company offers up. It's how we lost the 5th week of vacation, 17 sick days, and pretty much all raises for the last 8 years.
Hey, I don't wanna go on strike either, but it's a lot better than continually getting my job stolen out from under me.
Yeah we kinda have something like that going on too, we have a couple of our head guys saying "If we strike then the single mother with a kid can't live off $200 a week strike wages" while the rest of us say "Neither can those of of who are married with families of 5, but we realize we'd rather have a hard time of it for a few weeks then eventually get a wage where can can no longer live off of it.
It's bullshit really, contract was up almost 3 months ago and this day to day stuff just further empowers the company to do whatever the fuck they want.
Our techs also still get pensions and I know those are on the chopping block too. I don't get one, just 401K matching so while I don't give a shit if pensions for them go away or not, i can see why they would want to fight for them.
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