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Any tricks for dealing with health insurance?

Discussion in 'Off-Topic Discussion' started by teedubbya, Feb 17, 2020.

  1. Feb 17, 2020 at 1:22 PM
    #1
    teedubbya

    teedubbya [OP] I like fat booty

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    Went to the hospital back in September for something minor. They did X-ray, labs and that was about it. Out in an hour and a half.

    my insurance is decent, but I have a 3k deductible I can’t do anything about.

    bills coming back, $700 (double that before insurance adjustment) billed by the doctor then another $5k+ billed by hospital ($800 owed on my part)

    So all in all I owe around $1500 out of my pocket. I’m pretty pissed.
     
  2. Feb 17, 2020 at 1:29 PM
    #2
    Black Wolf

    Black Wolf Where's my popcorn salt? Damnit

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    I always opt for the low deductible PPO plan at work since it's just me. Costs more but no BS. $300 deductible. Our company puts in $500 in HSA accounts for the folks that opt for the hi deductible plans. Monies not used roll over each year since it's effectively your money. Helps offset hi deductibles.
     
  3. Feb 17, 2020 at 1:35 PM
    #3
    teedubbya

    teedubbya [OP] I like fat booty

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    like I said, I can’t do anything about that.
    It’s just perplexing to me. Previous insurance was like a $100 copay for ER visits.
     
  4. Feb 17, 2020 at 1:43 PM
    #4
    jeffw6236

    jeffw6236 New Member

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    Its confusing. bad thing is once you get past open enrollment it's a year before you can change it. Max out your HSA if you can - I do that and usually roll over enough to help with deductibles each year. Also, urgent care clinics are usually cheaper than emergency rooms.
     
  5. Feb 17, 2020 at 1:44 PM
    #5
    Hbjeff

    Hbjeff New Member

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    Sounds like you used to have an hmo and now have a high deductible ppo.

    My work did the same thing. It’s a tough pill to swallow right now, but even with the higher out of pocket for services, we have still spent less over the last 3 years than we previously spent to buy the hmo option.

    Sorry to hear you have to pay, but if you had the hmo still, they may have been taking that 1500 out of your check slowly anyways.

    I like the ppo thing because it forces us to not go to the dr when we dont really need to
     
    jtwags likes this.
  6. Feb 17, 2020 at 2:01 PM
    #6
    Rex Kramer

    Rex Kramer Vinyl Spinner

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    I wish I could help, but I haven't had health insurance since Obamacare dropped me after raising my deductible to $12,000.
     
  7. Feb 17, 2020 at 2:26 PM
    #7
    RLHOK

    RLHOK Keeper of the smoke.

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    I feel your pain.
    Last two years we have lost our ER deductible, now its a flat 30%, that 6 hours in 2018 I spent in the ER and cat scan for that damn kidney stone back then cost me $800 total. Now that bill would be $2000 my part.
    My PCP costs are now $45 per visit and no out of network options, go out of network you pay 100% of all bills.
     
  8. Feb 17, 2020 at 2:34 PM
    #8
    PWMDMD

    PWMDMD New Member

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    I have a $2000 individual and $4000 family max deductble so every year I make sure I have $4K in my HSA to cover my maximum OOP. Yes, I'm still paying it but having it aside seems to lessen the sting and I get a little tax relief from it. Other that that...a couple emergency surgeries in the last 3 years and two out of three of those years I've paid the maximum amount of $4K per year.
     
    Black Wolf likes this.
  9. Apr 13, 2020 at 4:27 AM
    #9
    mrmachinist

    mrmachinist New Member

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    I’m sure you have gone over your EOBs but be sure the bill amounts match up.

    I’m currently fighting an 11k charge that was for “convenience items” that insurance won’t cover while my wife was in the hospital. And I have a 500 deductible 2k out of pocket max....
     
  10. Apr 13, 2020 at 4:59 AM
    #10
    RollTide82

    RollTide82 New Member

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    And all these asshats that go to the ER and don't pay a dime......I work for a hospital and I won't go to the ER unless I am half dead cause my co-pays are so high even as an employee...I am not a freeloader but damn its crazy
     
    mrmachinist likes this.
  11. Apr 13, 2020 at 5:52 AM
    #11
    Johnsonman

    Johnsonman New Member

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    I think COVID is proving our high cost health care is no better and perhaps worse in so many ways than all other developed nations of the world, Great.
     
  12. Apr 13, 2020 at 5:55 AM
    #12
    Kung

    Kung Not so FNG

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    This. 100% this; additionally, make sure you read the manual that comes out every year that explains all your coverages. I'm blessed to have pretty damn good insurance ($350/month premium, $350 deductible per person, $700 per family; 15% paid out of pocket, etc.), but even still, we'll catch them several times a year 'accidentally' not covering something that it clearly says is covered in the manual. Most stuff is small but some stuff has been fairly large.
     
    mrmachinist likes this.
  13. Apr 13, 2020 at 8:50 AM
    #13
    PWMDMD

    PWMDMD New Member

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    If you think insurance is bad to deal with for the consumer, try participating with them as a provider. They do everything possible to not pay legitimate claims and to try and make any issue be between you and the patient when it's not...the contract is between the patient and the insurance company. Why didn't my insurance cover whatever? I don't know dude, your guess is as good as mine but I don't decide what they do or don't pay.
     
  14. Apr 15, 2020 at 7:41 AM
    #14
    mcm0455

    mcm0455 New Member

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    Health insurance premiums are difficult to deal with. We moved from Utah to rural Colorado two years ago and my premiums tripled. But my property taxes are 1/2 and my chronic bronchitis went away with the clean air. But then vehicles registration is 2x in Colorado. Someone has to pay for the Front Range projects.
    But I really cannot complain. When my son was born at 26 weeks, 15 years ago, my wife had insurance through the state of New Mexico. The first month at the NICU was over 1 million, for a total of 3 million for three months. We ended up paying $1000. It is unfortunate that medical bills are often the cause for wrecking so many peoples financial well being.
     

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