Darth Indiana Bond wrote:
It is a system that works in other countries
Shack lives in Canada, right?
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| Health Insurance http://www.worldofkj.com/forum/viewtopic.php?f=48&t=43288 |
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| Author: | Caius [ Tue Jul 22, 2008 5:39 pm ] |
| Post subject: | Health Insurance |
I'm signing up for some health insurance and was wondering if I am getting that good of a deal/coverage. Any advice/experience would be helpful: I'm leaning towards going with GroupHealth and here are some of the basics: $5k annual deductible. 50% coinsurance. $30 copay for office visits. No dental, prescriptions, or vision. This comes out to $53 per month. I can't really afford much more than that. Anybody with any thoughts on this? |
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| Author: | Jeff [ Tue Jul 22, 2008 5:44 pm ] |
| Post subject: | Re: Health Insurance |
Don't know much about GroupHealth, but I'd question what benefit you get if they don't cover prescriptions. If you get sick and require antibiotics or other medications it can be very expensive (depending on whether or not you can get generics). My plan is through Aetna. I also have a $5,000 deductible. Visits to my primary care doctor run me $40, specialists are $50 (some specialists are subject to deductible). It has a separate Rx deductible for "Brand" name drugs (in other words non-generics) but thus far I've not run in to that. I pay $78 a month for my coverage but I have a 25% surcharge due to my diagnosis of asthma placing me in their second tier. Thus far I've used it for two prescriptions and one office visit so it has been good. In the past I had Goldenrule (through United Healthcare), that ran me $103 a month but I only had a $1250 deductible (and again I was charged more due to my diagnosis of asthma). I actually manage a medical office so I have a lot of experience with insurance companies and can point you in the right direction if you want, just let me know. Oh and the prices I quoted above are individual rates, I don't get a group discount or medical benefits through my work unfortunately. |
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| Author: | Caius [ Tue Jul 22, 2008 5:54 pm ] |
| Post subject: | Re: Health Insurance |
I will be getting an individual plan as well. I tried to go through my school, but they were asking for $100 per month and it was more comprehensive than what I was looking for. I have some money saved for medical emergencies, around $1,000, so I'm mostly interested in a catastrophic plan. I've recently had my eyes examined and that's good for two years and teeth checked as well. Hopefully that can carry me through the two years I have left of college. If not, I can probably pay that out of pocket, barring a route canal or something horrid. Other than kidney stones, which I have some Vicodin for, I rarely go to the doctor. However, the lack of a prescription plan was the biggest shortcoming of this policy. Do you know how hard it is to get insurance if you drop it for a few years? |
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| Author: | Jeff [ Tue Jul 22, 2008 6:00 pm ] |
| Post subject: | Re: Health Insurance |
KidRock69x wrote: I will be getting an individual plan as well. I tried to go through my school, but they were asking for $100 per month and it was more comprehensive than what I was looking for. I have some money saved for medical emergencies, around $1,000, so I'm mostly interested in a catastrophic plan. I've recently had my eyes examined and that's good for two years and teeth checked as well. Hopefully that can carry me through the two years I have left of college. If not, I can probably pay that out of pocket, barring a route canal or something horrid. Other than kidney stones, which I have some Vicodin for, I rarely go to the doctor. However, the lack of a prescription plan was the biggest shortcoming of this policy. Do you know how hard it is to get insurance if you drop it for a few years? Depends mostly on your medical history. I was off my parent's plan when I moved out (12/05) and didn't get a new policy until last year (2/07) and then dropped that for three months when I switched to Aetna. I didn't have any problems and like I said I've had a pretty extensive medical history (four surgeries etc., though most of that was when I was around 18 and younger). Catastrophic care shouldn't even run you $50 a month, if that is what you are looking for. I know BlueCross and Aetna offer medical emergency/hospital policies only. If you get the occasional cold/runny nose and don't want to pay an arm and a leg for a regular doctor, you can always go to like CVS/Walgreens/etc. and their "MinuteClinics" (or any variation therein), I had a good experience a few weeks ago when I had strep throat and didn't have a doctor in my network (after I switched insurance plans I didn't establish myself with a new provider...). Might try that. |
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| Author: | Jeff [ Tue Jul 22, 2008 6:04 pm ] |
| Post subject: | Re: Health Insurance |
Just checked Aetna and for someone my age (22) and in my area (Atlanta, Ga), you are looking at about $34 for a strictly catastrophic care policy. Obviously that may go up a bit due to your health history etc. Oh, and the MinuteClinic I mentioned, charged me $69 for a visit and my antibiotics were free from Publix (they have certain generics that are free). I used my insurance policy so I only paid my copay of $40 and Aetna covered the rest. |
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| Author: | roo [ Tue Jul 22, 2008 9:33 pm ] |
| Post subject: | Re: Health Insurance |
GroupHealth just jacked my rates by 25% or $60 a month. So I say don't go through them. They are ass anyway. |
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| Author: | Rev [ Sat Dec 07, 2024 2:38 pm ] |
| Post subject: | Re: Health Insurance |
CEO of United healthcare insurance company got killed John Wick style! |
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| Author: | Shack [ Sat Dec 07, 2024 3:37 pm ] |
| Post subject: | Re: Health Insurance |
I moved to politics in case people want to discuss this there. The people cheering this on are going too far and hating the player instead of the game, the insurance companies can avoid the invisible hand because half the system is public, they don't lose customers to competitors for providing a poor service if they're paid through the government. The only thing worse than the government being in full control of things is a mix of government and private where the government's involvement ruins the whole incentive structures that leads to capitalism working. Healthcare is probably the one area where a full private system doesn't work either, so the least bad of the three options is probably just going full public. |
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| Author: | Darth Indiana Bond [ Sat Dec 07, 2024 6:16 pm ] |
| Post subject: | Re: Health Insurance |
It is a system that works in other countries |
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| Author: | Rev [ Sun Dec 08, 2024 2:07 am ] |
| Post subject: | Re: Health Insurance |
| Author: | Rev [ Sun Dec 08, 2024 2:09 am ] |
| Post subject: | Re: Health Insurance |
Darth Indiana Bond wrote: It is a system that works in other countries Shack lives in Canada, right?
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| Author: | Shack [ Sun Dec 08, 2024 3:28 am ] |
| Post subject: | Re: Health Insurance |
I said at the end of my post public is best. |
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| Author: | Rev [ Sun Dec 08, 2024 8:41 am ] |
| Post subject: | Re: Health Insurance |
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| Author: | Shack [ Mon Dec 09, 2024 5:28 pm ] |
| Post subject: | Re: Health Insurance |
He's one of these type of dudes? |
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| Author: | Shack [ Wed Dec 11, 2024 1:09 pm ] |
| Post subject: | Re: Health Insurance |
| Author: | Barrabás [ Fri Dec 13, 2024 3:03 am ] |
| Post subject: | Re: Health Insurance |
Imagine getting killed in cold blood and the world turns it into a meme and lionizes your killer lmao But, he did kill someone and is obviously seriously disturbed so I understand why he needs to be locked up. But I do hope his fellow inmates treat him like a king. |
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| Author: | Shack [ Fri Dec 20, 2024 3:13 pm ] |
| Post subject: | Re: Health Insurance |
Ryan Murphy do your thing |
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| Author: | Darth Indiana Bond [ Fri Dec 20, 2024 4:06 pm ] |
| Post subject: | Re: Health Insurance |
So he is being treated pretty well then? |
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| Author: | Shack [ Fri Dec 20, 2024 6:21 pm ] |
| Post subject: | Re: Health Insurance |
I guess being dead doesn't help but the Madison school shooter story feels buried after a few days compared to Luigi and most people probably won't end up knowing her name despite how a female school shooter is pretty rare/interesting and also is above average looking (if we're allowed to say that about a teenager). It's obvious that the media responses to things is totally dependent on what narratives people want to push, a murderous feminist is a lot dicier material than healthcare CEO killer. Not a healthy environment overall. |
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| Author: | Darth Indiana Bond [ Fri Dec 20, 2024 7:43 pm ] |
| Post subject: | Re: Health Insurance |
The media responds to what gets eyeballs not drive narratives |
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| Author: | DP07 [ Fri Dec 20, 2024 8:01 pm ] |
| Post subject: | Re: Health Insurance |
The media has many motivations. |
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| Author: | DP07 [ Fri Dec 20, 2024 8:01 pm ] |
| Post subject: | Re: Health Insurance |
Shack wrote: I guess being dead doesn't help but the Madison school shooter story feels buried after a few days compared to Luigi and most people probably won't end up knowing her name despite how a female school shooter is pretty rare/interesting and also is above average looking (if we're allowed to say that about a teenager). It's obvious that the media responses to things is totally dependent on what narratives people want to push, a murderous feminist is a lot dicier material than healthcare CEO killer. Not a healthy environment overall. Is there any evidence she was motivated by feminism? What I’ve seen links her to the Columbine shooting. |
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| Author: | DP07 [ Fri Dec 20, 2024 8:09 pm ] |
| Post subject: | Re: Health Insurance |
Shack wrote: I guess being dead doesn't help but the Madison school shooter story feels buried after a few days compared to Luigi and most people probably won't end up knowing her name despite how a female school shooter is pretty rare/interesting and also is above average looking (if we're allowed to say that about a teenager). It's obvious that the media responses to things is totally dependent on what narratives people want to push, a murderous feminist is a lot dicier material than healthcare CEO killer. Not a healthy environment overall. Also, Luigi Mangione was supported by leftists, so, how is that (Madison, Wisconsin) an example of leftist bias? And no surprise, another double standard about feminism. Killing a CEO is a cry for attention, and it was intended as such. He wrote about it. |
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| Author: | stuffp [ Sat Dec 21, 2024 4:48 am ] |
| Post subject: | Re: Health Insurance |
Well the narrative is determined by multiple things, and in the case of the Madison shooter Vs the Healthcare CEO, indeed in one the shooter is already dead, so no justice to chase anymore. But clearly the victim in one shooting is way higher profile, and the manner of how it was done, then we'll just another school shooting, with only 2 victims. Also one is just in Wisconsin and the other happened in the biggest city in the world. So yeah, it's obvious which is the bigger story to me. Having said that, it's always good to keep a critical eye on news reporting. |
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| Author: | DP07 [ Sat Dec 21, 2024 10:53 am ] |
| Post subject: | Re: Health Insurance |
He call United Healthcare’s conference a “windfall” that would make the point “self-evident”. He said it was “elementary social engineering”. So, that’s your hero. Imagine that for your superhero movie. |
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