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Thread: Health Insurance........WTF!

  1. #1

    Health Insurance........WTF!

    Open enrollment this week and boy has coverage gone down the drain (no cloak room). Higher premium, less coverage, restricted providers. Is everyone else dealing with this?

    Know folks that get all kinds of specialized treatments for free that I couldn't possibly get done without hitting my out of pocket maximums.

    Ive mentioned my costs to friends on government medical, and they say they'd rather have free/cheap medical than what comes with making a decent living. Their reasoning is nothings more important than your health. Are they wrong?

    Holy $#@! it expensive and somewhat unfair to be employed. Alternatives?

  • #2
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    There are thousands of posts on here why health care went off the cliff starting 4 years ago and continues to spiral downward towards an eternal hell of damnation. Feel free to browse.

  • #3
    texas opted out of the medicaid expansion, so blame the state lege

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    Please consider trigger warning for us next time.

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    YMMV

    I have Aetna PPO and it $#@!ing rocks. HD plan that pays 90%.

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  • #7
    Quote Originally Posted by Chingon View Post
    Holy $#@! it expensive and somewhat unfair to be employed.
    Unfair to be employed?

    Again: we need a single-payor program that takes care of basic healthcare needs.

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    Quote Originally Posted by next2naus View Post
    YMMV

    I have Aetna PPO and it $#@!ing rocks. HD plan that pays 90%.
    i have PPO as well. premiums went up around $17 a month for me and the kids, individual deductibles went from $500 to $650 and family deductible from $1500 to $1950. every year, pay more, get less

  • #9
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    Quote Originally Posted by next2naus View Post
    YMMV

    I have Aetna PPO and it $#@!ing rocks. HD plan that pays 90%.
    i have Aetna PPO as well. premiums went up around $17 a month for me and the kids, individual deductibles went from $500 to $650 and family deductible from $1500 to $1950. every year, pay more, get less

  • #10
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    I have Aetna through Walmart. I don't have a family and they only take out $23.50 out of my biweekly paychecks for it. I also haven't been to the doctor in 5 years.

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    One of my biggest pet peeves about it is that they still call it Insurance

    Insurance = having a contingency plan for catastrophic or unforeseen things like a broken leg, getting cancer or a car wreck.

    Prepaid coverage is what we have now. Want to get a checkup? It's prepaid. Need a prescription, prepaid in the rates, just a $5 deductible.

    The reason rates were high before is because everything was prepaid and ACA added more mandatory prepaid stuff. So instead of people who want to do something not medically necessary paying for their own stuff, everyone has to pay for everything up front whether they use it or not.

  • #12
    Quote Originally Posted by phdhorn View Post


    There are thousands of posts on here why health care went off the cliff starting 4 years ago and continues to spiral downward towards an eternal hell of damnation. Feel free to browse.
    We should go back to the system we had prior to that where health care costs were going down every year.....

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    my deductible is going up $500. there goes $500 out of pocket next year. $#@!ing hell. premiums up too.

  • #14
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    also, if you want to feel real anger, go ahead and peep some financials from insurance and health care companies. $#@!ing hell.

  • #15
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    health care went off the cliff starting 4 years ago
    Spoiler!

  • #16
    asshat hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns's Avatar
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    Quote Originally Posted by Aqua Buddha View Post
    We should go back to the system we had prior to that where health care costs were going down every year.....
    I get the sarcasm, by why not go back to where there are no health insurers at all? The middle man have done little to provide medical access to people and much to line the pockets of bureaucrats and middle men that provide little to no medical value.

  • #17
    When Big Insurance started bumping up against the consumer's ability to pay, it went to the government for a monopoly (or oligopoly, depending on how you want to look at it.)

    Try to find out who owns BCBS of Texas. Answer from the privately held Chicago front company that has the franchise: "You do."

    Hey, they forgot to send me the check for my share of the profits.

    Cruz just introduced a bill that will allow insurance companies to compete across state lines. Hopefully, using it will allow consumers an exemption from the new penalties, now up to about $900 a year (most consumers won't discover the skyrocketing penalties until they do their taxes in.. wait for it... April 2017.
    Last edited by Ice Cream Float; 10-29-2015 at 03:35 PM.

  • #18
    asshat hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns's Avatar
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    Employer used to offer access to several plans, both PPO and HDHP/HSA options, all for free for the employee, with non-subisdized coverage offered for spouse/family. I was on the 500 plan ($500 deductible, 80/20 coverage after that to $5000 annual max out of pocket, $30 co-pays, $100 Rx deductible). This year, we've been downgraded to the 1500 plan (same as above, with $1500 deductible). We have the ability to purchase up to the 100 or 500 plans, but going back to my current plan would cost $53/month out of pocket.

    GF has BCBS care through the ACA marketplace (she was newly employed with no benefits at the start of the year). She was paying about $300 for a PPO. Just got notice from the gubmint that her plan is no longer being offered and her new plan options were all HMOs, at the same price she was paying for her PPO. She will be getting on her company's plan next year, but was definitely pissed by the bait and switch offered from year to year. No way in hell should an HMO cost the same as a PPO. If you like your insurance...
    Last edited by hopkinsnhorns; 10-29-2015 at 03:35 PM.

  • #19
    It sucks for everyone - not sure what the OP wanted advice on. The rates are probably worse for you on the exchange than through your employer. Be glad you're not a small business owner [/no cloak room]

  • #20
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    Quote Originally Posted by jt View Post
    Spoiler!
    1. Gee, funny how that "new" health care, which was supposed to reduce premium costs, hasn't.
    2. Now throw in the chart with the average family deductible. Or at least a good article.

    http://www.latimes.com/nation/la-na-...922-story.html

    Let me quote just one goodie from it:

    Over the past decade, the average deductible that workers must pay for medical care before their insurance kicks in has more than tripled from $303 in 2006 to $1,077 today, according to the report from the nonprofit Kaiser Family Foundation and the Health Research & Educational Trust.
    But I suppose there are still people that actually think that OP's complaint is just bad luck. Yeah, that's it. Bad luck.

  • #21
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    Health Insurance........WTF!

    Quote Originally Posted by phdhorn View Post
    (I decided to pay attention) starting 4 years ago
    Fify
    Last edited by bozo_casanova; 10-29-2015 at 03:45 PM.

  • #22
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    Quote Originally Posted by Chingon View Post
    Open enrollment this week and boy has coverage gone down the drain (no cloak room). Higher premium, less coverage, restricted providers. Is everyone else dealing with this?

    Know folks that get all kinds of specialized treatments for free that I couldn't possibly get done without hitting my out of pocket maximums.

    Ive mentioned my costs to friends on government medical, and they say they'd rather have free/cheap medical than what comes with making a decent living. Their reasoning is nothings more important than your health. Are they wrong?

    Holy $#@! it expensive and somewhat unfair to be employed. Alternatives?
    Move to a country where overall care is better and more cost effective, for example virtually any other first world country.

  • #23
    taxing insurance benefits as regular income and allowing insureres to cross state lines are both good starts to bringing down healthcare costs. Allowing return of catastrophic only plans (which ACA got rid of) will help as well

    Should have made medicare available to all on a sliding scale of premiums based on income, but that would have been too easy / not been a huge windfall for carriers

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    Quote Originally Posted by sawbonz View Post
    taxing insurance benefits as regular income and allowing insureres to cross state lines are both good starts to bringing down healthcare costs. Allowing return of catastrophic only plans (which ACA got rid of) will help as well

    Should have made medicare available to all on a sliding scale of premiums based on income, but that would have been too easy / not been a huge windfall for carriers
    Yup.



    Wyden Bennett, all the GOP has to do is vote for it and it's done (and Medicare and CHIP are pretty much gone as well).

  • #25
    Seriously if I were single I would not have health insurance unless I could get it for $100 a month or less. I would just pay the penalty, and pay cash as I go.

  • #26
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    Quote Originally Posted by sawbonz View Post
    Seriously if I were single I would not have health insurance unless I could get it for $100 a month or less. I would just pay the penalty, and pay cash as I go.
    Isn't that illegal now?

  • #27
    Quote Originally Posted by tbone View Post
    Isn't that illegal now?
    The annual fee for not having insurance in 2015 is $325 per adult and $162.50 per child (up to $975 for a family), or it's 2% of your household income above the tax return filing threshold for your filing status – whichever is greater.

    lol

  • #28
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    that 2% thing could get pricey

  • #29
    asshat hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns's Avatar
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    And it's only going up. I think that penalty doubles next year iirc.

  • #30
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    It goes up after this election cycle (didn't check, just assuming since S.O.P.)

  • #31
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    Paying about $1,200 a month for crappy family coverage. Equivalent insurance through the market place is about $900 last time I checked. We just made the decision to go to a self insured captive to try and open up some better pricing/credit offerings to the employees. I'm gong to give it another year and then probably jump to the marketplace if it doesn't

    The penalty max amounts will double next year. Right now it's 2%, capped at $325 per adult and half that per kid.

  • #32
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    I paid about $1k penalty last year and I'm down to pay ~$4k this year in penalty. $#@! BO! $#@!ing POS. What a $#@!stain.
    Last edited by Blain; 10-29-2015 at 07:33 PM. Reason: shitstain

  • #33
    asshat victory88 might be a clever chap. or know the right people. know what i mean, nudge nudge? victory88 might be a clever chap. or know the right people. know what i mean, nudge nudge? victory88 might be a clever chap. or know the right people. know what i mean, nudge nudge? victory88 might be a clever chap. or know the right people. know what i mean, nudge nudge? victory88 might be a clever chap. or know the right people. know what i mean, nudge nudge? victory88 might be a clever chap. or know the right people. know what i mean, nudge nudge? victory88 might be a clever chap. or know the right people. know what i mean, nudge nudge? victory88 might be a clever chap. or know the right people. know what i mean, nudge nudge? victory88 might be a clever chap. or know the right people. know what i mean, nudge nudge? victory88 might be a clever chap. or know the right people. know what i mean, nudge nudge? victory88 might be a clever chap. or know the right people. know what i mean, nudge nudge? victory88's Avatar
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    I don't get health insurance through work. the cheapest ppo plan i could get was cigna at $255 a month. I'm a 26 yo male that is completely healthy. Insurance doesn't cover anything till I pay my $6500 deductible. Only pays for 1 check up a year and preventative lab tests. Even then I had to pay $80 for a visit. Had to go to the ER one night due to getting a big cut under my chin that required quite a few stitches. $3000 bill and insurance didn't cover a penny. So essentially I paid cigna $3060 this year for them to tell me that they will not cover anything till I pay a $6500 deductible. They also sent me an email last week saying my plan is no longer available and they recommend the closest plan which is now $315 a month with the same bull$#@! no coverage. I think I'm going to switch to a HMO plan. With I could $#@!ing get on medicaid for free.

    I'm basically self insuring myself yet still paying a $#@!ing premium every month. $#@! Obama and these insurance companies. They will continue to jack up the prices and $#@! us all in the asses.
    Last edited by victory88; 10-29-2015 at 10:31 PM.

  • #34
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    in early 2013, after basically 20 years of no issues, I had 2 major health events, with the first one needing surgery to fix, and the 2nd happened 3 months later, a result of the first due to complications from the surgery. resulting in almost monthly doc meetings with the 2 specialist docs who handled the 2 separate incidents, 3 MRI's, 2 CAT scans and a hospital stay.

    my current employer was also my employer then. at the time I had a PPO plan along with a 90/10 coverage. Max out of pocket was $1,000. two combined bills were over $250k, (I know ins only paid about half that), meanwhile, I was out the $1,000 and that was it.

    if either of those 2 events return this year, just 4 years later, my max out of pocket has gone up to $6500, and its an 80/20 plan, so it takes a $#@!load less cost for me to have to do the large payout.

    heck if I need a damn mri again, its going to cost me $500 straight up, no lube

    and my premium for the best possible plan has almost tripled.

    fun fun fun
    Last edited by KC-97HORN; 10-29-2015 at 10:53 PM.

  • #35
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    insurance mafia is a strong one. not sure what will ever weaken them

  • #36
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    My company pays for my PPO coverage through Cigna. $499 per employee, $1500 deductible, $5000 out of pocket (80/20 in network, 60/40 out), $25 office visit, $50 specialist, 20% ER visit. The charts shown above hit close to home as I started in '99 and those numbers are insanely accurate. We have shopped our bid every year, had good experience rating (claims vs premium paid) and yet get hit with an increase every year. In order to keep the premium manageable, the benefits have to be lessened. Went from a $250 deductible with $1500 out of pocket and 90/10 in network in '99 to the above numbers. No end in sight as the trend has been steady for the past 16 years. Sucks with gusto.
    Last edited by panthercityhorn; 10-29-2015 at 11:04 PM.

  • #37
    Employed? Try being self employed. $2k a month premium for a family of four with a $3k deductible.

  • #38
    asshat brew Shaggy Silver Club brew Shaggy Silver Club brew Shaggy Silver Club brew Shaggy Silver Club brew Shaggy Silver Club brew Shaggy Silver Club brew Shaggy Silver Club brew Shaggy Silver Club brew Shaggy Silver Club brew Shaggy Silver Club brew Shaggy Silver Club
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    Here is a summary of the penalty calculations. If you make much money, the penalty is steep.

    https://www.sullivan-benefits.com/wp...ap-in-2015.pdf

  • #39
    My biggest problem is what someone mentioned above, paying a large premium and getting no coverage at all. I pay roughly 680 a month for family coverage. Took both kids to the Dr. in early spring with fever and wheezing from their chest. 35 dollar copay for each, both were seen at the same time in the same room. Insurance does not cover diagnostics until we hit the deductible of 3K each so after strep test, chest exrays, ear test thingy my bill for each kid was 580. Ive had kids long enough to know that all they really needed was antibiotics and some musnex but they treat penicillin like $#@!ing schedule 2 narcotics. 1200 dollars because they wouldnt prescribe antibiotics over the phone.

    To make matters worse they charged 60 dollars for the strep test, available at walgreens for 25. 250 for exrays, I paid 100 out of pocket no insurance for exrays on my wifes back and elbow when she went to a chiropractor. About 250 to test the ears, not even sure that $#@! was legit. I mention all this and the response from the Dr office and the insurance is that those are the negotiated rates. Thats some $#@!ty negotiating.

    So this year Im looking into the market place. I understand it like shopping for electricity and we may have to change providers from year to year which is they same at work for the last few years.

    Buddy moved to Canada because of his medical costs. He used to ride his harley down to mexico every year to load up on medicine for his wife once they hit their maximum. With all the head chopping and crap he was catching from ice he said $#@! it and moved, shes from their originally. Hates the food, misses the astros but says its better up there.

  • #40
    asshat Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian's Avatar
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    once again i received a letter saying BCBS was canceling my plan. Looks like i get to spend days comparing one overpriced crappy plan to another again. YAY

  • #41
    asshat jzimo is probably pretty witty. or good at photoshop. or porn. jzimo is probably pretty witty. or good at photoshop. or porn. jzimo is probably pretty witty. or good at photoshop. or porn. jzimo is probably pretty witty. or good at photoshop. or porn. jzimo is probably pretty witty. or good at photoshop. or porn. jzimo is probably pretty witty. or good at photoshop. or porn. jzimo is probably pretty witty. or good at photoshop. or porn. jzimo is probably pretty witty. or good at photoshop. or porn. jzimo is probably pretty witty. or good at photoshop. or porn. jzimo is probably pretty witty. or good at photoshop. or porn. jzimo is probably pretty witty. or good at photoshop. or porn. jzimo's Avatar
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    Quote Originally Posted by Xian View Post
    once again i received a letter saying BCBS was canceling my plan. Looks like i get to spend days comparing one overpriced crappy plan to another again. YAY
    Yes, their PPO is going extinct. I pay $321 a month for bronze equivalent to cover my wife and I. The cheapest plan for 2016 is $350 and is classified as catastrophic coverage. Sweet!

  • #42
    asshat shiner99 might be a clever chap. or know the right people. know what i mean, nudge nudge? shiner99 might be a clever chap. or know the right people. know what i mean, nudge nudge? shiner99 might be a clever chap. or know the right people. know what i mean, nudge nudge? shiner99 might be a clever chap. or know the right people. know what i mean, nudge nudge? shiner99 might be a clever chap. or know the right people. know what i mean, nudge nudge? shiner99 might be a clever chap. or know the right people. know what i mean, nudge nudge? shiner99 might be a clever chap. or know the right people. know what i mean, nudge nudge? shiner99 might be a clever chap. or know the right people. know what i mean, nudge nudge? shiner99 might be a clever chap. or know the right people. know what i mean, nudge nudge? shiner99 might be a clever chap. or know the right people. know what i mean, nudge nudge? shiner99 might be a clever chap. or know the right people. know what i mean, nudge nudge? shiner99's Avatar
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    Quote Originally Posted by Chainsaw View Post
    texas opted out of the medicaid expansion, so blame the state lege
    not to cloak room this, but thats a really inaccurate statement. for example, my insurance is out of california and the past two years have been brutal on premiums, deductibles, and copays. this is a national issue - and is completely unrelated to medicaid. fwiw, my wife's insurance is here in Texas and here rates stayed flat. the only thing you can argue about the medicaid expansion is that providers are really hurt as charitable care rates will have to be higher here and significant populations will be uninsured. but from ive seen those provider rates are actually lower in texas so, hard to argue that.
    /cr

  • #43
    I just got Aetna's fee schedule for next year, and they are dropping what they pay for office visits to below medicare rates (unless medicare is dropping what they pay and I haven't heard). They still pay well for surgeries or I would be dropping them.

    So, raise premiums and drop reimbursement. Pretty good business model if you can get it

  • #44
    Quote Originally Posted by victory88 View Post
    I don't get health insurance through work. the cheapest ppo plan i could get was cigna at $255 a month. I'm a 26 yo male that is completely healthy. Insurance doesn't cover anything till I pay my $6500 deductible. Only pays for 1 check up a year and preventative lab tests. Even then I had to pay $80 for a visit. Had to go to the ER one night due to getting a big cut under my chin that required quite a few stitches. $3000 bill and insurance didn't cover a penny. So essentially I paid cigna $3060 this year for them to tell me that they will not cover anything till I pay a $6500 deductible. They also sent me an email last week saying my plan is no longer available and they recommend the closest plan which is now $315 a month with the same bull$#@! no coverage. I think I'm going to switch to a HMO plan. With I could $#@!ing get on medicaid for free.

    I'm basically self insuring myself yet still paying a $#@!ing premium every month. $#@! Obama and these insurance companies. They will continue to jack up the prices and $#@! us all in the asses.
    Yep. You should be able to buy a catastrophic plan for less than 100 per month with a 10k deductible. ACA killed those plans

  • #45
    Yeah. It's really starting to ramp up in costs. There is the cost of premiums, which is rising, and the cost for care, which is really rising.

  • #46
    Duke of New York (Exiled) Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97's Avatar
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    Quote Originally Posted by sawbonz View Post
    Seriously if I were single I would not have health insurance unless I could get it for $100 a month or less. I would just pay the penalty, and pay cash as I go.
    And that's all fine and dandy if you never have anything more than the common cold. The whole $#@!ing point of insurance is to protect yourself from catastrophic loss. Yeah, I'd pay out of pocket for our regular visits and $#@! to not deal with the insurance headaches, but when I got hospitalized last year for 8 days and the bill came to $45k, I was happy as all $#@!ing hell that I had insurance to cover it and my cost was capped at $600.

    People have been completely missing the point of health insurance for the last 50 $#@!ing years.

  • #47
    Quote Originally Posted by Hellraiser97 View Post
    And that's all fine and dandy if you never have anything more than the common cold. The whole $#@!ing point of insurance is to protect yourself from catastrophic loss. Yeah, I'd pay out of pocket for our regular visits and $#@! to not deal with the insurance headaches, but when I got hospitalized last year for 8 days and the bill came to $45k, I was happy as all $#@!ing hell that I had insurance to cover it and my cost was capped at $600.

    People have been completely missing the point of health insurance for the last 50 $#@!ing years.
    What do estimate your various carriers have collected in premiums from you and your employer(s) in the past 20 years? Hell take it back further to when you were on your parents' plan? It's a complete scam

  • #48
    Quote Originally Posted by shiner99 View Post
    not to cloak room this, but thats a really inaccurate statement. for example, my insurance is out of california and the past two years have been brutal on premiums, deductibles, and copays. this is a national issue - and is completely unrelated to medicaid. fwiw, my wife's insurance is here in Texas and here rates stayed flat. the only thing you can argue about the medicaid expansion is that providers are really hurt as charitable care rates will have to be higher here and significant populations will be uninsured. but from ive seen those provider rates are actually lower in texas so, hard to argue that.
    /cr
    It's not really an apples to apples comparison because california plans will depend on that locale's pool's collective risk assessment. the bottom line is that texas turned down money that it otherwise would not have had to cover, by opting out of the medicaid expansion.

    I do agree that nationwide insurance companies are doing everything they can to $#@! everyone in the ass, but if you're on the open market for new plans (like OP) then you're much better off in states that opted in than in Texas.

  • #49
    asshat TexasEd Shaggy Gold Club TexasEd Shaggy Gold Club TexasEd Shaggy Gold Club TexasEd Shaggy Gold Club TexasEd Shaggy Gold Club TexasEd Shaggy Gold Club TexasEd Shaggy Gold Club TexasEd Shaggy Gold Club TexasEd Shaggy Gold Club TexasEd Shaggy Gold Club TexasEd Shaggy Gold Club TexasEd's Avatar
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    Quote Originally Posted by Hellraiser97 View Post
    People have been completely missing the point of health insurance for the last 50 $#@!ing years.
    Exactly what I've been saying.

    Take the prepaid services out of it and make it "Insurance" again instead of prepaid medical.

  • #50
    Duke of New York (Exiled) Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97's Avatar
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    Quote Originally Posted by sawbonz View Post
    What do estimate your various carriers have collected in premiums from you and your employer(s) in the past 20 years? Hell take it back further to when you were on your parents' plan? It's a complete scam
    It's not a complete scam because they've paid a $#@! load of small claims to go with the occasional late claim. Regardless, the point of insurance isn't that you make money on the deal, it's that you transfer risk.

    I've had a few accidents over the years but I've definitely paid more in premiums that was paid on my behalf or to me. But having insurance is still a good idea regardless of the law because if I hit someone and I'm heals liable for a $#@! load of money, I'm covered.

    It's amazing to me when otherwise smart people are so $#@!ing ignorant when it comes to risk.

    And since you mention my parents, well they've both had $#@!ing cancer and the insurance companies spent a metric $#@!ing ton of money on their treatment. That kind of hit would have destroyed their savings.

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