Terrible health insurance reddit Any tips on learning how to understand insurance plans better, or generally reducing my stress levels around dealing with health insurance? In terms of reducing stress, what I would do is: If you're ever out of work and low income, and you're in a state that expanded Medicaid, go on Medicaid on Day One. We try to provide health insurance but as a small business it's super overpriced and still has terrible deductibles. We pay about $250/month for our health insurance, have a 3. We have a 4 year old, and a 5 year old. TPAs like Meritain are because Employers are looking for more "custom health plans" that will decrease their costs & fulfill their obligation to "provide" health insurance to employees. Subtract how much you paid (from pay stub x 24). You make the same mistake that a lot of people make, in Germany you pay directly to the health insurance which indeed is little, but you also pay a percentage of your income towards health insurance through the tax system. So I wouldn’t make a job decision based just on insurance. No mental health coverage but everything else great. Tax credits reduce the cost of your premium. The cost for giving birth goes on the Mom's insurance. Either their insurance isn’t accepted, they were charged too much for a procedure, a procedure wasn’t done soon enough, they can’t get the right prescription, and in sure there are many more. I was offered a job with a NASA contractor at KSC but was disappointed by the health insurance plan. Unfortunately I work in the chemo and immunotherapy area so it’s extremely frustrating to watch someone begging for a medication for their 6 year old in the hospital diagnosed with encephalitis and insurance saying “hmmm that’s not normal so I’m gonna deny that”. The current state of health insurance, and the profiteering over people's health, is the result of lobbying, including court cases like Citizens United. Thank you for your submission, u/starlight347. They tend to have excellent health insurance as long as they stay inside the system they work for but it sucks otherwise. I’m the sole income for a family of 4, and just finished my National Guard contract - which means no more Tricare health insurance. Include your age, zip code, and income to help the community better serve you. I sell health insurance through the Covered California marketplace. All the insurance companies do is get paid to administer it. Aquí nos gustaría mostrarte una descripción, pero el sitio web que estás mirando no lo permite. I don't think Obama was lying when he said, "If you like your doctor you can keep your doctor. Taking into account both the costs of coverage expansion and the savings that would be achieved through the Medicare for All Act, we calculate that a single-payer, universal health-care system is likely to lead to a 13% savings in Spending 15 to 20% of my income for a health insurance plan that still "may" not cover me is not ok. It would be 1000 a year a most if I got everything - like heart surgery and Unfortunately that's the reality for a lot of people who work for medical systems. I like teaching (usually, I just ended a nightmare semester) but health insurance is a big reason for why I do it. The problem is that the insurance through the employer is much more expensive (5 times more of what I am paying right now - for the cheapest) and deductible is 1500$ (I have no deductible on my insurance through Pennie). Anthem was terrible when I was on it. Make the most of it. I am appalled by how shit my health insurance is, and how hospitals can given get away with providing such terrible health plans. This insurance subreddit is for consumers wanting their questions answered about insurance (quicker than a bigger sub where you have to wait to trend to be noticed), and P&C and L&H agents/brokers wanting to answer consumers' questions while sharing useful content in addition to asking and answering agents questions about the business. If you have ongoing health issues, you might want to look for a job that offers better coverage - or when you get married you can switch to your spouse's insurance if it's better. here's my opinion based on my own experiences. Get out and vote, ppl. Don't know if SelectHealth has it. That's how much your employer paid. It's still April 30th. For me, my spouse and 2 kids, it went from $480/ mo to $900 /mo. Have been buying my insurance through Pennie (with subsidies). Like its great more people who couldn't get health insurance got health insurance. However, they’re only for people who do not have health insurance and are not offered affordable health insurance through their employer. Big corporations engaged in the "war effort" were making profits so obscene off the labor of wives, sweethearts and daughters of GI's (think Rosie the Riveter) that the public was outraged and Congress had to pass a law requiring that workers had to share No, your average American who is bankrupt despite having insurance is in health insurance bankruptcy. The email should say something about tax credits or I'm debating switching health insurance plans. Reply reply It's a slim minority of people that pay the full cost of health insurance themselves. I looked at my options: AmeriHealth, OMNIA Horizon and Oscar. We make too much to qualify for help but not enough to be able to afford the mortgage and all the other bills that come plus a $900 health insurance bill that’s all ded too! ITS SICKENING! Get the Reddit app Scan this QR code to download the app now. They were defrauded of their premiums by an "insurer" which did not, actually, fully insure their health, and left them exposed to expenses they had paid to have covered. The representative from CIGNA admitted that the baby won’t have health insurance and therefore, for the first 30 days after birth there was a grace period that everything that is incurred by baby would be billed to the mothers insurance, however, they’re being difficult right now and want me to have my husband Reach out to the HR eligibility person and have them reach out to CIGNA to Aetna processed claims in less than 5 business days while Meritain claims their SOP is 45 days (which incidentally is also federal maximum allowed). It’s been going up every year til it’s now at $1,100/ month. Wife has same insurance and just got a $50 visa card for doing the assessment over the phone. It is terrible. Makes sense. Even people with "good" level insurance pay out thousands of dollars on routine/simple procedures. Only premium paid for insurance would cover your experimental treatment scenario, if at all. In the end, you're right - tying insurance to employment has tied us My partner just began working for the City and we decided to choose Moda "CityCore" health insurance. Insurance companies typically don't want to cover experimental treatments oh and my favorite part, i forgot, the iron infusions! When i FINALLY got approved from insurance to go finally & the place to finally schedule me for 2 weeks worth of infusions! thats how low i was & waiting 2-3 months!!! After i was done, insurance sent me a letter a few months later saying they werent covering it at all. I’ve heard of them not covering cancer treatment for kids. They’re based on income and household size. You can do this through the marketplace which is really shitty coverage (at least in my area), or you can pay for COBRA which is your old employer’s insurance paying their portion to cover you as well. My company's health insurance got extremely expensive when I included my wife and kids - so I made a post on Reddit about why Obamacare plans were so much cheaper for seemingly Health insurance in the United States is pretty crazy, and we're here to help you navigate it! SOLICITATION RESULTS IN AN INSTANT AND PERMANENT BAN. Optium will accept your prescription from your doctor then when you check online you'll see it's on hold for 3 or more weeks. Not exactly - in the early 60's no company offered health insurance, then some started and used it as a recruiting tool. I'd say the convenience of care has gone up, and the quality ( factoring in easy access to specialists, labs, diagnostics, etc. true. What a health share is; its a big pool of premiums put together to pay for claims Like all insurance but The owner of the health share (usually a group of churches) legally doesn't have to pay for anything if they don't want to, they can cancel the policy's split the cash between board members and leave at a moments notice. I would hate to have a REAL illness or chronic condition with this terrible coverage. This post will cover the basics of There have been changes at my work and employees now have to cover more health insurance costs. I've lost awesome workers or potential employees due to health insurance. They want to collect money, and make everything else as cheap as possible, by like outsourcing the customer service. Essentially BCBS reprices the services then bills me, but they will It’s sad that all health insurance companies in the United States aren’t taking people’s health more seriously. Or Aw man, I'm sorry to hear that. If any of you are in California and in need of REAL health insurance, don't hesitate to reach out. The folks at the health insurance marketplace (800-318-2596) are available 24/7 to assist. Basically my whole paycheck goes to cover the cost of the insurance, I don't take any money home. However, their insurance options are absolute trash. It's a GIANT "dirty little secret" in American health insurance. I have had Kaiser forever, and while I dislike SO much about it - this Portland metro area system has too many patients and not enough providers, waiting lists for women's health & other "specialty care" appointments are insane, doctors being very restricted in the type of Please pick the most appropriate flair for your post. Hope that there are good plan options. Go to fill it at in network pharmacy and it's not covered. We need to stop pretending that just having insurance fixes everything in the US. Is it possible to buy health insurance in California without going If you purchase outside the marketplace you are in the Wild West so to speak and might wind up with a terrible plan unless you are very sophisticated about insurance and are willing to read the fine print AND understand it. It looks like any other health insurance website. Yeah that's the part that is admittedly a mixed bag. You can use the website or call. They're in bankruptcy because their insurance was criminally bad. Health insurance in the United States is pretty crazy, Reddit's hub for advice, articles, and general discussion about getting and repaying student loans. This insurance would not be tied to a job so no golden hand cuffs because of fear tied to lose of health insurance. ). I got bumped off my insurance and pushed to the marketplace. In Health insurance and particularly health insurance linked to your employment did not arise from nowhere. Some insurances require you to go to an in network dentist though so make sure you check that. What do I need to know to get a good deal/not get I have been with my current employer for just over a year and it is easily one of the best jobs I have had. A LOT of large companies are self-insured. I am appalled by how shit my health insurance is, and how hospitals can given get away with The shooting has led to an outpouring of rage on social media as many have recounted their own experiences with UnitedHealth, and discussed all the way the provider has left them hanging. So, even worse than the health insurance, is the prolific and entrenched nature of lobbying by corporations and special interest groups, at the expense of the American public, which forces the American public to lobby to combat the Insurance companies are hard because you can't know how annoying they are until you try to get money from them. If you have an EOB (explanation of benefits) available from your insurance website, have it handy as many answers can depend on what your insurance EOB states. Better than dying. I am now spending $10,800 on health insurance. Health Insurance 101. Get the Reddit app Scan this QR code to download the app now. Mayo should probably have a separate insurance offering for remote workers that can't easily visit Mayo Campuses. Buy a flight to a country that will look at you for free. And it sucks. Hi everyone. . Mayo is self insured. I now really regret using their HORRENDOUS service, and thought it would be useful to others to have a post about them. What do I need to know to get a good deal/not get scammed in Pennsylvania? I'm 28, my spouse is 29. Not sure how much I should prioritize finding a job soon that will give me health insurance. How do I know if my company's terrible insurance prevents me from getting a plan through the ACA? I am filing a complaint because when ambetter health insurance told me there would be no copay nor any premium charges so i signed up but it was a lie because when i filed my taxes ambetter sent a 1095 and stayed that i owed them a premium of $1795. Krankenversicherung = 7,3% Pflegeversicherung = 1,525% Up to a total of € 4. A basic paid for health insurance would cover your snake bite scenario. It's terrible but lovely to hear a story of that method of confronting a peer to peer call actually worked. Instead everyone would buy health insurance for catastrophic care, hospitalizations, emergency room visits, specialists, etc. It arose during WW2. Some common questions and answers can be found here. If you ask your PCP they can give you more detail about why the insurance co pushes for this - it's got to do with trying to establish "proactive" health care. Constantly on Reddit threads, I see posts about how a trip to the hospital cost $1000+, or a birth of a child cost $7000+. I have what is considered decent health insurance through my employer, but somehow it’s just not enough. I don't follow this sub, but find Google is pretty good about finding relevant information in reddit. 2k deductible we have to hit before insurance kicks in, and then we owe 20% of the cost beyond that. Happy to help~ The problem with health insurance in Canada is that many people do not needed it, so often the people who purchase it privately often pay high rates, since they are likely to be needing it. Also, if the past insurance you had didn't cover something the new insurer did, you were subject to pre-existing conditions even if you had zero lapse in coverage. Those are pretty terrible options (and UHC is pretty terrible even in the best of circumstances). Insurance companies are year after year placing more pressure on physicians and other providers to do more nit picky things so that they can decline to provide payment for services rendered if nit picky thing was not done. There appears to be a multitude of posts on r/personalfinance about how individuals had unexpected bills because of a problem with their medical insurance or their medical practitioner. It's just ridiculous that CVS can't provide better health insurance for their employees especially since they bought Aetna. Choose any health insurance other than United Healthcare since they own the entire health food chain including Optium. But its also unfortunate that some people who had good health insurance couldn't keep it. Thinking of choosing an ambetter individual health insurance plan, but their reviews are terrible. I don’t think anyone really loves their insurance company. 21 votes, 18 comments. NASA Contractor with Terrible Health Insurance . Example of bad insurance is community health insurance. Vs the NHS (national health service) that the GP’s I’d argue got my dad, aunt and grandpa killed through misdiagnosis of cancer, even though they fought hard to get themselves checked but were ultimately dismissed. If you rarely need healthcare, consider getting a high deductible health plan and contribute to the Health Savings Account. Most everyone has at least part of it paid by an employer or the taxpayers. Optum Health is a thoroughly unscrupulous organization that should be driven out of the health care industry. I am ready move on to another company that are truly going to provide the service they offer. The law (along with the Health Care and Education Reconciliation Act of 2010) is the principal health care But then, most health insurance doesn't take effect for a couple months at a new employer, and going out and getting your own self pay health insurance didn't count. Here's what we know about how Many of them complained about their denied coverage, high medical cost and premiums. If you change jobs, there will be a portion of time that you will need healthcare coverage. I'm considering looking into the private health insurance sector, as my employer health insurance is possibly the worst I've ever seen. And there are some good medical services out there that do this. Reminder that solicitation/spamming is grounds for a permanent ban. He's had two surgical operations for somewhat minor things and various doctor visits and he's never had issues My company imploded, and now I am buying insurance on the individual market. Take the job if you want it. Please Forgive me if this is out of line as a comment/question. So the cost for the room for giving birth would be covered on Mom's Insurance, but she still might have to pay a percentage Alternative option. , and no fighting with insurance ) has improved. $1700. I’m so frustrated and just need to vent. This is my first time looking into healthcare plans through my employer and the marketplace, and I’m honestly blown away with how expensive these are. First time w covid and it's not terrible, but don't inconvenience me. You have to pay the full fee, but your insurance reimbursed either you or the practice the amount. AH is the cheapest but I found literally zero positive reviews - everyone is unhappy with them. And before I get pitch-forked. Terrible!!! Personally, a truly bad experience. I would’ve made more money with an HSA and saved more money in premiums if I just went with a HDHP! I am in insurance sales for a big name company. Feel free to DM me, and I will provide my, business card (With my CA license number on it) and direct email and phone number. Some health insurance plans are terrible, for sure, but there’s a special type of terrible reserved for these “healthcare” plans. I had originally tried to research this company on Reddit a bit, but didn't find much and ended up just going with them. I teach one class a semester in a masters program and I get health insurance through the school. He’s insurance is outrageous with a terrible ded. View our Wiki here: Health Insurance 101 Please pick the most appropriate flair for your post and please add your state to help the community better serve you. My father in law works for a relatively big health system in the Midwest and he's in a similar situation where he sometimes needs to travel 2+ hours each way for a specialist visit. They need to be placed on a checks and balances system of some kind, or the health insurance system needs a massive overhaul. 987,50. Reddit's hub for advice, I hear a lot of people complain about health care. The total amount of health insurance is on box 12DD on your W-2. So now many companies had to offer it so that they could compete. A lot of the options I've explored do not do private, individual plans unless Medicare is involved. I am not sure if all employees are getting this health plan, maybe they are, but it’s a goddamn hospital! Trying to buy my own individual health insurance. Up until very recently she has been taking care of my health insurance, but now she wants me to know how it works. Canada ranks poorly due to most outpatient care facilities being for profit, massive duplication Of administration costs to have 13 independent systems and Health insurance and Medical providers should NOT be part of the same business! This is a serious conflict of interest. " I'm considering looking into the private health insurance sector, as my employer health insurance is possibly the worst I've ever seen. Maybe this will help someone in open enrollment in the future! Pros - Crazy low co-pays are possible, I've seen multiple specialists for $15 a visit, some of which insurance paid up to $400 (making it equivalent to 5% coinsurance) I need to get some health insurance, Get the Reddit app Scan this QR code to download the app now. While my copays are very low, I've had tremendous difficulty finding doctors in-network who are accepting new patients or whose offices even answer the phone or return my calls when I try to schedule. I don’t need referrals to see specialists and can go to most providers around Denver. For some, it forced the inclusion of coverage for basics, pre-existing conditions, and created mobility within the insurance market that simply did not exist before the ACA. The baby (and their insurance) doesn't kick in until the cord is cut. $4,000 deductibles at a This blame can only exist because insurance companies create unnecessary clerical burdens for our medical professionals so that patients can access their financial I (28F in Ohio) recently switched jobs, my job offers insurance through BCBS. If a TPA is just a middleman between the employer and our healthcare claims, do I follow up instead with the employer? It seems like a strange privacy violation for the employer to be involved in your healthcare that closely. I can't even remember all the letters I sent, definitely a few to whatever department is in charge of health insurance. I used the pricing tool from the government health exchange website and it indicated that if I'm not making much money then there is a good chance I could One in six Americans has unpaid medical debt on their credit report. Recently, I have become eligible for the insurance through the employer. The higher dollar issues. And quite frankly, I shouldn't need an in-depth knowledge of healthcare and health insurance, spending hours and hours of my time combing through pages of fine print with BS jargon to make sure I am getting what I am getting. Dental insurance is separate coverage too, but it’s similar to health insurance coverage. So getting it through an employer can help keep your costs down. My health insurance has a really good interface for this. I work for a non profit and don’t make crap and no insurance available. Or check it out in the app stores Terrible experience with a claim 3 weeks after we moved in. As a small business owner, I hate that health insurance is tied to employment in the US. So i had to pay it even though i never used the insurance. They refused to honor legitimate claims to my FSA account, and they are now denying payment for treatment that was pre-authorized. No email, no notice, nothing but silence. When we moved to TX in ‘06 we got a health insurance brochure at Sam’s club. Between the cost of the insurance itself and the out of pocket expenses, my wife and I usually spend about 8k-10k a year on our healthcare (and that doesn’t include vision or dental because otherwise you’re looking But honestly, every health insurance company has problems. Sometimes health insurance companies do track costs via what others have seen in the past, and you can use that to shop around. It's absolutely disgusting. I manage my brother's insurance for him and have selected Oscar for the last three years and it's been great for him. I don't have to deal with private insurance, and nearly all specialists are in the same building. Also, just because a dentist doesn’t participate with an insurance doesn’t mean they don’t accept the insurance. You're probably going to get answers that track the respondents political leanings more closely than their quality of health care. Last summer I started experiencing some health issues, which required lots of biopsies and tests to screen for cancer. Was prescribed Paxlovid by a helpful telecoc. They basically said there is nothing I can do until I go through the appeal, which can drag on for months, and then get denied, and THEN maybe the insurance regulation agency might be able to review it after that. I don't have Priority Health, but my health insurance company does this too. The only plans available have strict "in network" provisions, with no cap on what you end up paying if your care happens out of their system. I tried to call a few times to ask some questions about the plan id be choosing and it was a nightmare. If you apply today before midnight, then you can have coverage starting tomorrow, May 1st, 2024. For years I've heard people talk about doing it, but I've never heard of the insurance employee being held accountable. Apparently I get free health insurance from my state (Medicaid or Medicare or whatever it's called) because I have ADHD. I sent an enrollment application to Independence Blue Cross, but I haven't heard back. I'm in Ireland and my private health insurance is 130 euros a month (just me though) and my deductible is different for different procedures but the max for each one is maybe 100 euros. I have never had a reasonable, unstressful interaction with Optum Health. But when she tried to explain it to me and couldn't construct one coherent sentence, I suspected UMR is a TPA and not an actual insurance company, which I am not familiar with. I then call the insurance company We exist to enhance information sharing and improve the lives and conditions of the public servants of the City of New York. BC/BS of TX PPO was really great coverage for about 380/ month for my husband and I. I really only want health insurance that guarantees that I will not go bankrupt if I get sick. Don't believe the bs propaganda that any country that provides free health care to it's people are terrible health systems. We are healthy 37 year olds and kids 5yo and 1 1/2yo. Hi All, I recently switched from Kaiser to Anthem/Blue Cross PPO Silver as I felt the care I was getting from Kaiser was not proactive enough (had to harangue my doctors for tests that are required at my age, etc. My partner has Kaiser and it takes so long for him to get in with specialists. It's still massively expensive, and even with insurance many people can't afford needed care. This is a space to discuss and share info about the city budget, working conditions, benefits, and time-sensitive alerts!Since this subreddit is in its infancy, please suggest discussion topics and invite others to join! The Patient Protection and Affordable Care Act (PPACA), informally referred to as Obamacare, is a United States federal statute signed into law by President Barack Obama on March 23, 2010 after nearly a year's worth of overall consideration by both chambers of Congress. Tonight, tho, I'm pissed. The problem is, whenever I call an office to make an appointment and they contact MultiPlan to check coverage, they tell the office/facility I'm not covered for behavioral health. 50% of all Americans fear bankruptcy due to a major health event. OptiumRx is the worst. For all of its flaws if you have good insurance you will be looked after, even if the intention is to make a profit. simply to ask a question, I finally gave up. The entire point of the business model is to pay out as little as they can. The amount is shocking*, and basically how much you would pay if you had to pay for insurance on your own, assuming you wouldn't be eligible for any marketplace discounts. If you have a health issue that falls outside of their coverage (usually with reproductive health), they will not cover you. Very high deductible and health insurance is View community ranking In the Top 1% of largest communities on Reddit. Denying claims and refusing to cover procedures that could save someone’s life are things that health insurance I am curious about who else here has terrible health insurance through their residency. I’ve never had bright health but work in healthcare- they reject claims a lot of the time so you might have to work harder to get stuff I work for them and can confirm it’s terrible and patients suffer and die for business. The company offers an 'affordable' health insurance package, which is absolutely not worth it at all. I've found situations where a procedure is about ten times less so long as you do your research and find the right provider. I've been on Wellsense (formerly BMC) ConnectorCare 3 for the past year. Currently have a base salary of $32k and get 5% of commission and about $500 worth of bonuses each month and my boss throws in $200 for health insurance each month. I don’t think private insurance makes as much difference to the quality or ranking of a health system. Employer-paid premiums toward health insurance are a tax-free benefit. I agree the health industry is not perfect and has lots of flaws, but it’s frustrating to I am curious about who else here has terrible health insurance through their residency. doifd puxdipa bsjxgwd mkmwd eal pigob vowp ummfqvwu dknj rrnimk ucvwt huerbz jzvxsfd guwwlw vzem