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Health insurance suggestions

Discussion in 'Off-Topic Discussion' started by Rockanock, Dec 26, 2018.

  1. Dec 26, 2018 at 1:59 PM
    #1
    Rockanock

    Rockanock [OP] 21 Chevy 2500

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    looking to switch health insurances. My deductible is very high and I may only go to the doc once a year. But recently I’ve had to go get something’s seen about and having to pay out of pocket really sucks. Who do y’all recommend that’s affordable and provides good benefits
     
  2. Dec 26, 2018 at 2:05 PM
    #2
    ninjajay

    ninjajay Posting from the toilet

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    Might want to post where you're located since they typically vary by state
     
  3. Dec 26, 2018 at 2:06 PM
    #3
    TXMiamiFan

    TXMiamiFan SSEM #3 and tractor extraordinaire

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  4. Dec 26, 2018 at 2:12 PM
    #4
    Professional Hand Model

    Professional Hand Model A.K.A ‘Golden Hands’

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    Generally speaking, you are probably way better in your current plan with the premium savings even though you have out of pocket expenses this year. Especially true if you’ve had your plan pre-obama care mandate which made competitive insurance pricing a thing of the past because of the provider monopoly mergers. Hope to hear you prove otherwise so report back what you find.
     
  5. Dec 26, 2018 at 2:15 PM
    #5
    Professional Hand Model

    Professional Hand Model A.K.A ‘Golden Hands’

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  6. Dec 26, 2018 at 2:21 PM
    #6
    Rockanock

    Rockanock [OP] 21 Chevy 2500

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    I’m in Texas.

    I was just curious as to what y’all used and who you recommend.
     
  7. Dec 26, 2018 at 3:02 PM
    #7
    TXMiamiFan

    TXMiamiFan SSEM #3 and tractor extraordinaire

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    No, Sir. We have Cigna at work. Just sharing a previous convo on the topic.
     
  8. Dec 26, 2018 at 3:06 PM
    #8
    Alloutdrs1

    Alloutdrs1 New Member

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    This is the way I have gone now. I was over paying a fortune for healthcare only to go about once a year to the doctor. I researched it and talked to people who have it and couldn't find anything negative. I'm at 140 a month now using this method.
     
  9. Dec 26, 2018 at 3:35 PM
    #9
    acmesupply

    acmesupply New Member

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    Last time I had a choice I called my primary care provider of 25 years and spoke with his billing lady. I was told who covers the least and most, how fast they pay the provider which is a big deal and how difficult it was to obtain authorization. I had to think out of the box but the list she helped me compile showed the picture on how things really work and if cash pay is warranted for less paperwork and billing and a happier staff. Receipt for cash and it's done though I do still pay for a PPO and will never quit it until 65.
    We never went more than once a year but my son had 1.2 million just this year alone so I gladly pay extra for the PPO.
     
  10. Dec 26, 2018 at 3:43 PM
    #10
    Outbound

    Outbound SSEM #2.5, Token AmeriCanadian

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    Aaron
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    Maybe I should start a different thread on this (lemme know and I will) but without being political can anyone give me a rough numbers break down on health insurance in the US? Maybe what a typical family will pay per year and what they get for that?

    I'm curious to compare how it is here in Canada. I always hear how good we have it but I've never been too impressed with it.

    As a comparison, some of my experiences here:

    - Under Canada’s health care system, all medically necessary hospital stays, including those needed for treatment of an illness or surgical and maternity services (such as childbirth, prenatal, post-natal and newborn care, and treatment of complications surrounding a pregnancy) are covered, as are the prescription drugs while in hospital.

    - The Canada Health Act does not cover prescription drugs, home care or long-term care or dental care, which means most Canadians rely on private insurance from their employers or the government to pay for those costs. Provinces provide partial coverage for children, those living in poverty and seniors. Cosmetic surgery, chiropractic, podiatry, prosthetics, vision care, and wheelchairs are not covered either.

    - I pay $150 ish per month for the group benefits plan at work. This gets me a bunch of disability insurance but mainly a $3500 per year HSA, which I can use for dental, vision, physio, massage etc.

    - I'm doing physio for my shoulder and it costs me $65 per visit. This I have to pay for under my Healthcare Spending Account.

    - It took me nearly 8 years to find a good family doctor after moving to this town. If you don't have a family doc, your non-emergency option is pretty much walk in clinics. You'll be waiting anywhere from 1 hour to 12 hours, if you can get in at all that day.

    - Even with a good doctor, some testing such as MRI's and non-essential surgeries (hip, knee etc) are booked months or even a year plus in advance.

    - Nothing happens quickly unless you're actively dying.
     
  11. Dec 26, 2018 at 4:11 PM
    #11
    Festerw

    Festerw New Member

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    It's all over the place in terms of cost. Depends on your employer, state, and income level.

    I pay 150/month for medical, dental, vision, life insurance for the family, long/short term disability, and accidental death.

    That gets me a PPO savings plan with a $6500 deductible. My employer contributes $1600/year into an HSA, dental that depending on the procedure covers anywhere from 40-80 percent with 100 percent preventative. Vision is covered 100 percent for yearly checkups and contacts.

    Prescriptions all over the place in cost and any that my family takes are $5-20 per month.

    The PPO savings means I pay out of pocket until I hit the deductible but the doctor visits and procedures are billed at a lower rate.
     
  12. Dec 26, 2018 at 4:45 PM
    #12
    Professional Hand Model

    Professional Hand Model A.K.A ‘Golden Hands’

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    Its hard to give actual apples to apples numbers with your situation in Canada, but from what I’ve read and generally speaking because its hard to do a hard comparison... the difference per your list in US vs Canada is the wait times in getting non-essential surgeries. Here we still can get in as fast as we want regardless emerg/non-emerg.

    I’m wondering if the high cost of goods up there offsets the low cost socialized medicine plan. Your cost for the same headlighlights is $500 vs $115 in the US factoring in the CAD/US conversion?
     
    Outbound[QUOTED] likes this.
  13. Dec 26, 2018 at 4:53 PM
    #13
    Outbound

    Outbound SSEM #2.5, Token AmeriCanadian

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    Not sure how much cost of goods affects the healthcare. I cant speak to drug costs but most docs i speak to are planning to head south due to comparitively low wages for docs here.
     

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