Good News! Health Insure
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Good News! Health Insure (by WMH [NC]) Oct 22, 2017 4:31 AM
       Good News! Health Insure (by JR [ME]) Oct 22, 2017 5:01 AM
       Good News! Health Insure (by Nicole [PA]) Oct 22, 2017 5:08 AM
       Good News! Health Insure (by WMH [NC]) Oct 22, 2017 5:28 AM
       Good News! Health Insure (by WMH [NC]) Oct 22, 2017 5:30 AM
       Good News! Health Insure (by JR [ME]) Oct 22, 2017 5:57 AM
       Good News! Health Insure (by Kurt [MI]) Oct 22, 2017 5:58 AM
       Good News! Health Insure (by WMH [NC]) Oct 22, 2017 6:16 AM
       Good News! Health Insure (by S i d [MO]) Oct 22, 2017 6:35 AM
       Good News! Health Insure (by Bill [NC]) Oct 22, 2017 6:38 AM
       Good News! Health Insure (by WMH [NC]) Oct 22, 2017 7:25 AM
       Good News! Health Insure (by WMH [NC]) Oct 22, 2017 7:28 AM
       Good News! Health Insure (by Nicole [PA]) Oct 22, 2017 7:44 AM
       Good News! Health Insure (by AllyM [NJ]) Oct 22, 2017 8:06 AM
       Good News! Health Insure (by WMH [NC]) Oct 22, 2017 8:32 AM
       Good News! Health Insure (by Deanna [TX]) Oct 22, 2017 11:15 AM
       Good News! Health Insure (by Deanna [TX]) Oct 22, 2017 11:17 AM
       Good News! Health Insure (by Julie [KS]) Oct 22, 2017 12:17 PM
       Good News! Health Insure (by Barb [MO]) Oct 22, 2017 12:39 PM
       Good News! Health Insure (by elliot [RI]) Oct 22, 2017 1:15 PM
       Good News! Health Insure (by Robert J [CA]) Oct 22, 2017 1:43 PM
       Good News! Health Insure (by Smokowna [MD]) Oct 22, 2017 5:11 PM
       Good News! Health Insure (by Shelby [IA]) Oct 22, 2017 5:17 PM
       Good News! Health Insure (by RathdrumGal [ID]) Oct 22, 2017 7:23 PM
       Good News! Health Insure (by GKARL [PA]) Oct 22, 2017 9:48 PM
       Good News! Health Insure (by Andrew, Canada [ON]) Oct 23, 2017 5:37 AM
       Good News! Health Insure (by Deanna [TX]) Oct 23, 2017 6:48 AM
       Good News! Health Insure (by Julie [KS]) Oct 23, 2017 7:34 AM
       Good News! Health Insure (by S i d [MO]) Oct 23, 2017 9:39 AM
       Good News! Health Insure (by Wilma [PA]) Oct 23, 2017 10:28 AM
       Good News! Health Insure (by Deanna [TX]) Oct 23, 2017 12:12 PM
       Good News! Health Insure (by Pmh [TX]) Oct 23, 2017 1:47 PM
       Good News! Health Insure (by WMH [NC]) Oct 23, 2017 2:00 PM
       Good News! Health Insure (by WMH [NC]) Oct 23, 2017 2:00 PM
       Good News! Health Insure (by Chris [CT]) Oct 23, 2017 4:15 PM
       Good News! Health Insure (by Pmh [TX]) Oct 23, 2017 4:28 PM
       Good News! Health Insure (by Julie [KS]) Oct 23, 2017 5:13 PM
       Good News! Health Insure (by S i d [MO]) Oct 24, 2017 8:03 AM
       Good News! Health Insure (by WMH [NC]) Oct 24, 2017 8:13 AM
       Good News! Health Insure (by mike [CA]) Oct 31, 2017 1:19 PM


Good News! Health Insure (by WMH [NC]) Posted on: Oct 22, 2017 4:31 AM
Message:

Good news (?) on Health Insurance!

Monthly Premium only went up $89, to $2186.

Annual Deductible only went up $2000+ dollars to $13,300, which now matches total Annual OOP so can plan for that, I guess.

BUT - no more 20% co-insurance. So that is a good thing. Can't budget for 20% of infinity.

Zero co-pay for prescriptions if covered.

Copay for Out of Network was decreased, from 50% to 30% AND some services are also 0% - including ER services if out of network.

To sum up: "only" about $39k out of pocket per year for coverage, or about $3300 per month.

This plan does include an HSA option. --173.22.xx.xx




Good News! Health Insure (by JR [ME]) Posted on: Oct 22, 2017 5:01 AM
Message:

Good news, er, sort of. Iím happy for you if you are happy. One question, you say 2,200 a month premium which is a Both $24,000 per year, but then $39,000 coverage. What is the difference? --72.12.xx.xx




Good News! Health Insure (by Nicole [PA]) Posted on: Oct 22, 2017 5:08 AM
Message:

WOW !!!! and to think I've been griping and moaning since mine is about $17,000 out of pocket for premiums and deductible before I can collect. Truly thinking about gambling and going without this coming year. --72.95.xx.xxx




Good News! Health Insure (by WMH [NC]) Posted on: Oct 22, 2017 5:28 AM
Message:

$26k in premiums. $13300 in deductibles. Total $39300 annually. Average $3275 per month.

Of course if we don't get sick we don't spend the deductible, but we have to plan/budget/save for it anyway, right? Plus we are over 60, so the chances of using the insurance are a lot higher than they would be if we were younger. --173.22.xx.xx




Good News! Health Insure (by WMH [NC]) Posted on: Oct 22, 2017 5:30 AM
Message:

Nicole, we don't go to the doctor very much as a rule, but one never knows when something catastrophic like cancer might hit. Ask Roy! So we can't go without. --173.22.xx.xx




Good News! Health Insure (by JR [ME]) Posted on: Oct 22, 2017 5:57 AM
Message:

WMH, ouch! My wife and I are in our 50s, with three teenagers at home. My share of our families very good coverage through work is $565 a month, going to$585 next year. We have. $5,000 deductible, but the employer-paid HRA puts $2,000 into the pot each year. this can roll over and we are fortunate, we havenít spent anything on healthcare out of pocket since the youngest was born 15 years ago.

I have sympathy for the self-employed who need to swing this each year. --72.12.xx.xx




Good News! Health Insure (by Kurt [MI]) Posted on: Oct 22, 2017 5:58 AM
Message:

That sounds very similar to what my parents pay and around your age as well (early 60s) ~$1,000 each per month and ~$13,000 deductible.

On the bright side, Medicare part B and their $134 premium and $183 deductible is right around the corner! --73.161.xxx.xxx




Good News! Health Insure (by WMH [NC]) Posted on: Oct 22, 2017 6:16 AM
Message:

Five years for me, 2 years for him before Medicare. Of course they are voting to cut funding for that, so probably not there five years from now... --173.22.xx.xx




Good News! Health Insure (by S i d [MO]) Posted on: Oct 22, 2017 6:35 AM
Message:

I'd be tempted to buy a catastrophic plan and just pay the O-care tax penalty for a non-qualifying plan. Have you looked into that and priced out the difference?

Use a local walk in clinic for maintenance. Pay docs out of pocket. Only use the insurance if you get hit by a bus...medically metaphorically speaking.

Just under $40K/year for medical. Yikes! --173.19.xx.xxx




Good News! Health Insure (by Bill [NC]) Posted on: Oct 22, 2017 6:38 AM
Message:

Thank goodness for BCBS-Fed Emp. I don't complain about my health insurance and have never had it refused anywhere. I am 70 y/o and still in good health. Doing my best to keep it that way.

Dental problems have been an issue in the past, but have them under control now. Implants are wonderful. --76.0.xxx.xxx




Good News! Health Insure (by WMH [NC]) Posted on: Oct 22, 2017 7:25 AM
Message:

No such thing as a catastrophic plan anymore in NC. Well, in fact this IS the catastrophic plan, I guess. Cheapest one available. --173.22.xx.xx




Good News! Health Insure (by WMH [NC]) Posted on: Oct 22, 2017 7:28 AM
Message:

Bill/NC, we are three hours from Richmond VA which is where VCU Medical College is located (and our son too.) So we have been going there for our dental care. If you are lucky enough to get into the Student program, it's dirt cheap and the care is GREAT. And you always have two sets of eyes on you: your student and the dentist that checks their work.

As he said to me once, 'The students don't care about buying a new boat yet. They care about GRADES.'

DH was quoted $20k in Dental Care needed by our local dentist. About $2k so far at VCU.

New Dentist quoted me $900 for a 'deep clean.' VCU said definitely not needed. Amazing. --173.22.xx.xx




Good News! Health Insure (by Nicole [PA]) Posted on: Oct 22, 2017 7:44 AM
Message:

WMH - I know, I think about that. also just a broken bone is probably $10,000. --72.95.xx.xxx




Good News! Health Insure (by AllyM [NJ]) Posted on: Oct 22, 2017 8:06 AM
Message:

That is awful. But I am glad that you think it's OK. Before I went on Medicare in 2011, I was paying $800 plus dollars per month for Horizon BC/BS of NJ. So that's almost ten grand a year for one person. I had a 5K deductible too. I'm glad the cancer waited until I got on Medicare. Actually it didn't wait but I didn't find out about it until I was on Medicare. Of course I had been paying into Medicare during my entire work life. --73.33.xxx.xxx




Good News! Health Insure (by WMH [NC]) Posted on: Oct 22, 2017 8:32 AM
Message:

It's NOT okay with us at all Ally, but it's actually better than 2017...that 20% co-insurance is gone... --173.22.xx.xx




Good News! Health Insure (by Deanna [TX]) Posted on: Oct 22, 2017 11:15 AM
Message:

We've been self-insured since I left my W2 job in 2009 to be a SAHM. (DH, fortunately, has now been insured since 2014 by his current employer.) Ours went up $102 every other month for the remainder of us. I'm now at $364, and the two boys are at $324, up from $306. So we went from $586 to $688 every other month for the three of us at our annual renewal.

When we started in 2009, it was $154 for me, $134 for DH, and $94 for DS1, paid every other month. So when we started, a year of health insurance for me was $924; now I'm at $2184 yearly. And for a kid, it was $564/year; now it's $972/year each.

The rates have been hiked each year at our renewal anniversary. One guess as to when they started reeeeeally going up. :) --96.46.xxx.xx




Good News! Health Insure (by Deanna [TX]) Posted on: Oct 22, 2017 11:17 AM
Message:

(I'm now at $364 every other month, up from $280 every other month.) --96.46.xxx.xx




Good News! Health Insure (by Julie [KS]) Posted on: Oct 22, 2017 12:17 PM
Message:

It's a relief this year not to be dreading getting that letter in the mail. We got priced out last year. Essentially paying for a catastrophic plan with a Cadillac premium. I'm not ecstatic with the med-share plan but it's what we've got available right now. I can either go broker paying for insurance it will be a stretch to use or I can go broke getting sick or injured......which is the reason I thought the ACA was passed in the first place. --104.128.xx.xxx




Good News! Health Insure (by Barb [MO]) Posted on: Oct 22, 2017 12:39 PM
Message:

Just reinforces the need to stay with W2 job for me for another 12 or so years.

Geez --99.203.xx.xxx




Good News! Health Insure (by elliot [RI]) Posted on: Oct 22, 2017 1:15 PM
Message:

Only time I would go to a hospital would be something acute.. I wish they can have the option not to use your insurance for maintenance type of thing.. (gov't being the big brother again to assess penalty for no insurance).

Should be like car insurance.. --50.75.xxx.xx




Good News! Health Insure (by Robert J [CA]) Posted on: Oct 22, 2017 1:43 PM
Message:

Health Insurance, what a joke! Here in California the illegals will not pay even $50 a month for coverage! Why? Because they can enter any emergency room and get treated for free!!!!!!!

When I had an emergency and had been paying for health insurance with the same HMO for 30 years, they had an armed guard escort me to the cashier to pay my $100 co-payment for emergency care. 48 illegals were in the waiting room and the urgent care had already helped over 200 illegals and the cashier hadn't received even a dime in payments since 6 AM through 1 PM.

We pay for insurance, like $1000 to $3000 a month for us and/or our families but the poor and illegals pay nothing. They use their funds here to buy a new car, no auto insurance and get Section 8 vouchers.......

--47.156.xx.xx




Good News! Health Insure (by Smokowna [MD]) Posted on: Oct 22, 2017 5:11 PM
Message:

Lets hope insurance implodes soon. I'm banking on it.

--74.96.xxx.xxx




Good News! Health Insure (by Shelby [IA]) Posted on: Oct 22, 2017 5:17 PM
Message:

Our insurance is high too and Iím only 32. Itís $1243 a month and I just spent over $9,000 for my c-section hospital stay with baby. Then my oldest had nose surgery so there went another $1000. My baby just had 2 ultrasounds, hip and then months later kidney. Now she is going to a specialist in December. I hate all these bills. --50.81.xxx.xxx




Good News! Health Insure (by RathdrumGal [ID]) Posted on: Oct 22, 2017 7:23 PM
Message:

I am a Christian, 62years old and will retiring November 4th (yeah!) I have joined Christian Healthcare Ministries medical cost sharing. I will be paying $200 ish a month for what used to be called "major medical". Rx and office visits are on me. $1000 deductible per occurrence. No coverage for abortion, birth control, or substance abuse. I am a low utilizer of health care services. Friends have recommended this option and have been happy with it. There was a recent article on this option in the Wall Street Journal.

We also have a local practice that is doing direct primary care - for $60 a month, all internal medical office visits and labs are covered.

As a nurse, I know that there are fates worse than death, and as a Christian I know that a bright future awaits. I would most likely elect to forego treatment if I were to get a truly horrific diagnosis. --98.146.xxx.xx




Good News! Health Insure (by GKARL [PA]) Posted on: Oct 22, 2017 9:48 PM
Message:

My wife picked up a job as an assistant teacher some years back. The position is unionized and the health care we have is excellent. Prior to her picking up this job, I was paying over about $ 2000 a month and I believe my deductible was around 5000. This was around 2009. When ACA went in place, my premiums dropped to $ 1500 but coverage was bad particularly on prescriptions. By the time I paid out of pocket, there were no savings. My wife getting that job probably saved at least $ 30,000 in health care premiums as no telling where they'd be now. Premiums were going to grow whether the ACA was implemented or not. A public option is the only thing that will arrest premiums.

--207.172.xx.xxx




Good News! Health Insure (by Andrew, Canada [ON]) Posted on: Oct 23, 2017 5:37 AM
Message:

Ouch!!!!!

Thank goodness most of our health care costs are covered.... (by our high taxes). --70.48.xxx.xx




Good News! Health Insure (by Deanna [TX]) Posted on: Oct 23, 2017 6:48 AM
Message:

@Rathdrumgal, I had heard a bunch of radio commercials for MediShare and CMF Curo (Samaritan) and some other similar programs. When I started looking into them, it looked like it would be more expensive for the three of us than with my BCBSTX. But as the rates get hiked, the price gets more comparatively attractive... :)

Do you know what the "Annual Personal Responsibility" is, and how it gets calculated? Like, suppose I get pneumonia and I go to the doctor so he can give me a prescription. With BCBSTX, it offsets some of the initial doctor's visit, and it offsets some of the medicine. Do things like CHM offset any little one-offs like those, or do you need to pay your Annual Personal Responsibility in full before you can make use of any benefits from the program? --96.46.xxx.xx




Good News! Health Insure (by Julie [KS]) Posted on: Oct 23, 2017 7:34 AM
Message:

With my medshare plan the annual personal responsibility is essentially the deductible if Iím not mistaken. You pick a plan just like you would with regular insurance with premiums fluctuating with deductibles like regular insurance.

For the hubs & I we are paying $270/month with a $4K deductible. BCBSKS wanted $850/month with a $13K deductible & paid only 50/50.

And if youíre lucky enough to have a direct care doc what a bonus. I know the doc in Wichita that somewhat pioneered this model is setting up a lot of new docs/practices with this model across the country. --70.195.x.xxx




Good News! Health Insure (by S i d [MO]) Posted on: Oct 23, 2017 9:39 AM
Message:

It is not accurate to say catastrophic plans are not available. From healthcare.gov...

"Who can buy a Catastrophic plan

Only the following people are eligible:

People under 30

People of any age with a hardship exemption or affordability exemption (based on Marketplace or job-based insurance being unaffordable)

If youíre eligible to buy a Catastrophic plan, youíll see them displayed when you compare plans in the Marketplace."

This would keep some individuals in compliance without the penalty.

It does appear that even those plans sold outside the exchanges are still regulated by the ACA, so most plans are critical illness (i.e. a cancer-only policy) or supplemental. Still, if it were me I'd do some more digging to find out more cost effective ways to manage healthcare vs. rolling over and taking the ACA mandates as the gospel.

Medical tourism comes to mind...for $30K a year, plane tickets are not out of the the question. --173.19.xx.xxx




Good News! Health Insure (by Wilma [PA]) Posted on: Oct 23, 2017 10:28 AM
Message:

I will now stop griping about our $1800 per month premium. I see that we are nowhere near the highest payers here. Two adults in early 60s, one early 20s dependent. No deductible.

But it IS about 30% of my hubby's pension... so thankful that we have rentals and returns on investments, too. --71.175.xxx.xxx




Good News! Health Insure (by Deanna [TX]) Posted on: Oct 23, 2017 12:12 PM
Message:

@Julie and Rathdrum, are prices pretty stable, or do you get annual hikes? How long have you been with them? --96.46.xxx.xx




Good News! Health Insure (by Pmh [TX]) Posted on: Oct 23, 2017 1:47 PM
Message:

ainít national healthcare great.....read about the death panels in Europe & waiting lines to see a dr and also why drs going into private care. ACA is a sham. --24.178.xxx.xx




Good News! Health Insure (by WMH [NC]) Posted on: Oct 23, 2017 2:00 PM
Message:

Sid we have considered medical tourism. DH was quoted $20k for dental work from local dentist. We looked into Mexico, where oldest son lives, as viable alternative for sure. 12 hours round trip though.

But then found VCU (Virginia Commonwealth U) and their Medical College has a dental program. 3 hour drive, but youngest son lives there, so we can visit them yay two for one.

$20k so far has been $2k. AND the best dental care EVER because they are not paying for a boat they are trying to get good GRADES. --173.22.xx.xx




Good News! Health Insure (by WMH [NC]) Posted on: Oct 23, 2017 2:00 PM
Message:

Not 12 hours round trip. 12 hours ONE way to Mexico. Vs. 3 hours one way to Richmond. --173.22.xx.xx




Good News! Health Insure (by Chris [CT]) Posted on: Oct 23, 2017 4:15 PM
Message:

It sucks, why can't we have good national coverage like the rest of the developed world yet?

--24.45.xxx.xx




Good News! Health Insure (by Pmh [TX]) Posted on: Oct 23, 2017 4:28 PM
Message:

lol. Chris. Isn't that a.c.a.Ö? --97.94.xxx.xx




Good News! Health Insure (by Julie [KS]) Posted on: Oct 23, 2017 5:13 PM
Message:

Deanna (TX):

This is the first year we've been with them. I have yet to receive anything regarding new premiums for 2018. I've at least got deductibles to shuffle to lower premiums if that's the case & still have better coverage than I had.

And I can always switch companies as well. I think last year our choices in KS were BCBS and maybe Coventry for purchasing on the open market. I think this year there are still only 2 companies available in KS on the open market. There's several medshare companies available.

Don't know if that helps~~~~~ --104.128.xx.xxx




Good News! Health Insure (by S i d [MO]) Posted on: Oct 24, 2017 8:03 AM
Message:

Cool to hear you've found some alternative WMH.

Chris, keep in mind the "rest of the world" gets access to lots of relatively low cost medical expertise via students that come to our universities then return home, research discoveries made in our drug companies and labs, and military protection paid for courtesy of the USA (we pay 22% of the UN budget. Germany pays 6%. France pays 5%. UK pays 4%. The rest aren't worth mentioning). My guess is if they had to self-fund all of the research, universities, and military protection, it would be impossible for them to offer the generous benefits we hear about. Even with the US providing all of this, some of those countries still have 50% income tax to pay for those generous bennies... No thanks. --173.19.xx.xxx




Good News! Health Insure (by WMH [NC]) Posted on: Oct 24, 2017 8:13 AM
Message:

SID we've done extensive research on our options. Age and income are against us, as is the fact we live in NC, where there is only one company offering insurance on the Exchange: BCBS.

I even went to an online insurance group who promised to help find affordable insurance. She gasped out loud when she looked at NC's offerings and prices. --173.22.xx.xx




Good News! Health Insure (by mike [CA]) Posted on: Oct 31, 2017 1:19 PM
Message:

sounds like its time for the rent raises so those that voted for that steaming pile of a law can pay the premiums for you. i raised rents this year for exactly that reason.

we have the threat of rent control in california looming now. if it appears like it might pass i will let the tenants know that if it does pass the rent raises will be BRUTAL, and the rent raises will be issued the week before the election with the promise that if it fails they will be rescinded --76.176.xxx.xxx





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