Author Topic: My new Health Insurance sucks you guys...  (Read 4129 times)

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Online 420seriouscat69

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My new Health Insurance sucks you guys...
« on: July 30, 2013, 01:35:18 PM »
Says I have to hit $1500 for my deductible before they start helping pay for my prescriptions. I go to the doctor like once a year and today I went to the doctor because of an inflamed eye. Turns out I need to get a steroid to heal it and it costs $84 :curse: Would you get a different insurance? This is blue cross blue shield. Good grief, I miss uop insurance.

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Offline Cartierfor3

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Re: My new Health Insurance sucks you guys...
« Reply #1 on: July 30, 2013, 01:38:00 PM »
You probably have a higher rate because of pre-existing conditions.

Offline The Tonya Harding of Twitter Users Creep

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Re: My new Health Insurance sucks you guys...
« Reply #2 on: July 30, 2013, 01:39:17 PM »
what kind of steroids we talking here? i might know a guy.
I think what my friend Mitch is trying to say is that true love is blind.

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Re: My new Health Insurance sucks you guys...
« Reply #3 on: July 30, 2013, 01:42:52 PM »
Would you rather pay a higher premium but only have a copay when you go to fill your RX? Get the generic.

Offline hjfklmor

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Re: My new Health Insurance sucks you guys...
« Reply #4 on: July 30, 2013, 01:44:54 PM »
Sounds like you have a high deductible plan if it doesn't cover prescriptions. Odds are you are saving money in premiums over a plan that has a prescription co-pay if you only see the doctor once a year.

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Re: My new Health Insurance sucks you guys...
« Reply #5 on: July 30, 2013, 01:45:27 PM »
Would you rather pay a higher premium but only have a copay when you go to fill your RX? Get the generic.
I guess. I didn't realize how good UOP's insurance was. I never paid for a thing and it took about $85 per check out. Now I'm getting $85 per check out and having to hit a deductible. This doesn't make sense for a guy who barely goes to the doctor right? :knockonwood:

Offline CNS

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Re: My new Health Insurance sucks you guys...
« Reply #6 on: July 30, 2013, 01:47:23 PM »
Are you on the PPO buy up plan or the HSA?  Probs the HSA.  They are designed exactly for that to keep your premium low for ppl that don't go to the doc much.  The idea is that even with an $84 script, you save money in the long run on lower premiums.

if you hate it, buy up to the PPO next yr(assuming that is an option as someone who has had BCBS often throughout the last many yrs).

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Re: My new Health Insurance sucks you guys...
« Reply #7 on: July 30, 2013, 01:48:24 PM »
You probably have a higher rate because of pre-existing conditions.
One broken nose in my life. I have really bad allergies in the fall (Usually the K-State opener) and after that the only sickness I have is my daily hangover.  :dunno:

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Re: My new Health Insurance sucks you guys...
« Reply #8 on: July 30, 2013, 01:49:37 PM »
Are you on the PPO buy up plan or the HSA?  Probs the HSA.  They are designed exactly for that to keep your premium low for ppl that don't go to the doc much.  The idea is that even with an $84 script, you save money in the long run on lower premiums.

if you hate it, buy up to the PPO next yr(assuming that is an option as someone who has had BCBS often throughout the last many yrs).
Hmmm. That makes sense. I guess that means I should plan on paying for my visit today.

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Re: My new Health Insurance sucks you guys...
« Reply #9 on: July 30, 2013, 01:50:15 PM »
Thanks, guys. I really needed to just talk this one out. You're the best!

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Re: My new Health Insurance sucks you guys...
« Reply #10 on: July 30, 2013, 01:58:17 PM »
Going to the doctor once a year seems like a lot.
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Offline CNS

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Re: My new Health Insurance sucks you guys...
« Reply #11 on: July 30, 2013, 01:59:59 PM »
Going to the doctor once a year seems like a lot.

Preventative measures are dumb.  :don'tcare:

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Re: My new Health Insurance sucks you guys...
« Reply #12 on: July 30, 2013, 02:02:24 PM »
I assumed he meant non-checkups since he went because he was sick.
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Re: My new Health Insurance sucks you guys...
« Reply #13 on: July 30, 2013, 02:04:07 PM »
Did you have choices when you chose your insurance? You may want to look at that stuff a little more closely when open enrollment comes around.

Offline OregonSmock

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Re: My new Health Insurance sucks you guys...
« Reply #14 on: July 30, 2013, 02:07:43 PM »
Are you on the PPO buy up plan or the HSA?  Probs the HSA.  They are designed exactly for that to keep your premium low for ppl that don't go to the doc much.  The idea is that even with an $84 script, you save money in the long run on lower premiums.

if you hate it, buy up to the PPO next yr(assuming that is an option as someone who has had BCBS often throughout the last many yrs).
Hmmm. That makes sense. I guess that means I should plan on paying for my visit today.


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Offline KSUblumpkin

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Re: My new Health Insurance sucks you guys...
« Reply #15 on: July 30, 2013, 02:31:47 PM »
Get some FLEX money.  Pre-tax 300 dollars for a year and you should be good.
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Offline hemmy

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Re: My new Health Insurance sucks you guys...
« Reply #16 on: July 30, 2013, 03:11:29 PM »
$85 per check is a lot for health insurance, how often are you paid?

Offline The Tonya Harding of Twitter Users Creep

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Re: My new Health Insurance sucks you guys...
« Reply #17 on: July 30, 2013, 03:18:44 PM »
$85 per check is a lot for health insurance, how often are you paid?

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I think what my friend Mitch is trying to say is that true love is blind.

Offline hemmy

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Re: My new Health Insurance sucks you guys...
« Reply #18 on: July 30, 2013, 03:19:56 PM »
$85 per check is a lot for health insurance, how often are you paid?

 :dubious:

Not my fault my company's benefits are so much better than yours :dunno:

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Re: My new Health Insurance sucks you guys...
« Reply #19 on: July 30, 2013, 03:38:31 PM »
Jesus... sound like a bunch of Poors.  $84?  LOL
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Offline Emo EMAW

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Re: My new Health Insurance sucks you guys...
« Reply #20 on: July 30, 2013, 03:39:10 PM »
Going to the doctor once a year seems like a lot.

I disagree.  Mayhaps though you do the thing where the person at Walgreens can write your a Rx?  I need to try that sometime.

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Re: My new Health Insurance sucks you guys...
« Reply #21 on: July 30, 2013, 03:43:33 PM »
Going to the doctor once a year seems like a lot.

I disagree.  Mayhaps though you do the thing where the person at Walgreens can write your a Rx?  I need to try that sometime.

Never heard of this.
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Re: My new Health Insurance sucks you guys...
« Reply #22 on: July 30, 2013, 03:49:26 PM »
Nurse practitioner?  I might be screwing it up because I'm pretty ignorant about the concept. 

Anyway I usually go at least once a year, usually for like sinus infection or spider bite or some random thing.

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Re: My new Health Insurance sucks you guys...
« Reply #23 on: July 30, 2013, 03:52:36 PM »
if you only go to the doctor 0-2 times a year an HDHP is the way to go.  my HDHP has a huge deductible but I think it costs me like $25 a month for my premium.  I have a deductible of $2800 and an OOP max of $5600 and more than enough in my HSA to cover that in case I have a legit medical emergency.  I also invest my HSA in index funds!
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Offline kostakio

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Re: My new Health Insurance sucks you guys...
« Reply #24 on: July 30, 2013, 03:55:09 PM »
Keep your current insurance.  Insurance is for big things you can't afford not for piddly $80 payments the one time of year you go to the doctor.  A lower deductable plan is going to cost you more then an extra $80 per year. 

The main thing to look for with insurance is what big things it covers or doesn't cover and also what the different maximum payouts are on an annual and lifetime basis.  The insurance you think is great when you pay nothing out of pocket for a piddly exam may turn out to be total crap when when you get cancer and it maxes out at $100K in benefits per year.    Vice versa the policy with a $1,500 deductable may turn out to be money for you when the crap really hits the fan.  I believe Obama care is set to address some of this stuff with the maximums but I'm not sure when that all takes effect.