Health insurance companies are FUCKING CRIMINALS!!!

[America 1st]

That's all.

 

[tiderollsonu]

Never had issues with mine, $500 yearly deductible, full dental and vision emergency room visit and MRI are $100 copay... Best part is it's 100% paid by employer..... #FeelsGoodMan

 

[Dawg1572]

Mines been THA bomb! That is all!

 

[America 1st]

Never had issues with mine, $500 yearly deductible, full dental and vision emergency room visit and MRI are $100 copay... Best part is it's 100% paid by employer..... #FeelsGoodMan

I hope it stays that way for you.

Mines been THA bomb! That is all!

Better knock on wood fam.

 

[Nayat]

Health insurance is a pyramid scheme on the retail side of things.

 

[Renegadenole]

Mine cost $1240/month. Family of 3. No dental, no vision, $6500 deductible.
Self employed.

 

[Long cat]

Why you picking on HEALTH insurance companies op?

 

[tiderollsonu]

Mine cost $1240/month. Family of 3. No dental, no vision, $6500 deductible.
Self employed.

Jesus did they at least give you a reach around?

 

[Renegadenole]

Jesus did they at least give you a reach around?

They would be busy SOB’s because the price isn’t that uncommon when a person has to pay the full amount themselves.
My oldest daughter was on our insurance until she got married a few months ago. It didn’t go down one cent when she got her own insurance. I’m still trying to figure that one out. Maybe if there are any actuaries on the board they can help me understand underlying risk.

 

[Carlscat]

Mine cost $1240/month. Family of 3. No dental, no vision, $6500 deductible.
Self employed.

What industry are you in for work?

 

[America 1st]

Why you picking on HEALTH insurance companies op?

Because they deserve it.

 

[IrishinOC]

Agreed. That is all.

 

[Renegadenole]

What industry are you in for work?

Medical Mutual of Ohio. We are real estate owners and investors.

 

[Carlscat]

Medical Mutual of Ohio. We are real estate owners and investors.

Gotcha. I was hoping you would say you were in finance and I might have been able to help a bit...

 

[SmokeHouse423]

Medical Mutual of Ohio. We are real estate owners and investors.

They stick it to self employed people. Luckily my wife works for the state and has great insurance. If she didn’t we would pay about 1800 per month for family of 5 with $2000 deductible.

 

[Mr. Steven Avery]

COBRA is free right now

 

[RKirkD]

Jesus did they at least give you a reach around?

That would probably cost him another $2k.

 

[Renegadenole]

COBRA is free right now

Damn. I paid over $1700/month for COBRA back in 2016 when I left my corporate job of 26 years.

 

[4n6tox]

Hell yes they are. License to steal.

I'm not sure the answer, but I definitely want to part of a VA type government run health care system. I think we have a sufficient body of evidence regarding the incompetence of that system. The hospital's fake billing procedures where they just make up an astronomical number, but are willing to take 10% of billed "cost" from the insurers but not an individual needs to change.

 

[Joe Kings]

I own 2 P&C Agencies and they Auto Companies are worse. Way way worse. Its criminal

 

[tiderollsonu]

I own 2 P&C Agencies and they Auto Companies are worse. Way way worse. Its criminal

This is so true, had a woman run a stop sign hit me almost head on when I was doing 50 and they denied payment because they said she had a stroke early in the day and they were calling it a medical emergency.

Only time I've ever sued anyone only reason I won was she was going the opposite direction off the hospital.

In alabama if you are taking yourself to the hospital for an emergency and get in a wreck it is a no fault accident.

 

[Hoosier in Mad Town]

Jesus did they at least give you a reach around?

My dad was paying $3500/mo as a cancer survivor before he turned 65z

He too was self employed

 

[Hoosier in Mad Town]

Pro tip:

Medical debt is different classification from consumer debt. As a result, there are different requirements before they can do a credit check, and it’s typically 260+ days after date of first Bill.

If you have a large medical expense and pay it all at once, they typically give you a 3% prompt pay discount.

If you wait until your account goes to collections/bad debt, typically 180 days post first Bill (and before your credit has been checked, which they legally have to give you 30 days notice), they will typically give you 25%+ off your total Bill.

I never pay off until that happens as there is almost zero risk.

 

[America 1st]

My dad was paying $3500/mo as a cancer survivor before he turned 65z

He too was self employed

This is disgusting.

The whole system surrounding health insurance / health care is flawed IMO. Insurance, by definition, is to make people "whole" after a loss. This is easily done with material things, such as cars or homes, with money. No amount of money has ever made someone's health "whole" and that's if they're lucky enough to get any coverage at all.

 

[ttyh]

While not criminals, Medicare is a difficult path to navigate. My father survived colon cancer 5 years ago and it came back in his liver earlier this year. He's at the age now that I am fully in charge and dealing with Medicare directly now. He had about 1/3 of his liver removed last week and isn't doing so well at home at the moment so I am exploring other options. Spent about 3 hours on the phone with Medicare today trying to figure out coverage for inpatient PT and Rehab and Skilled Nursing Facilities should we need to go that route.

Pretty sure I was speaking with someone in the Philippines or some other country with a communication breakdown and about a 1.5 second delay in the conversation. It was incredibly frustrating, especially considering that our illustrious leaders in DC are more than likely giving away similar health care for free to illegal aliens if they can just set foot on our soil. I bet my father(me by proxy) who has paid into the system handsomely for 50+ years has to jump through more hoops to get the same treatment for his cancer than an illegal does who just shows up with the disease.

It's becoming harder and harder everyday to maintain my love for this country. The tipping point and boomerang can't get here soon enough.

 

[yz558]

Pro tip:

Medical debt is different classification from consumer debt. As a result, there are different requirements before they can do a credit check, and it’s typically 260+ days after date of first Bill.

If you have a large medical expense and pay it all at once, they typically give you a 3% prompt pay discount.

If you wait until your account goes to collections/bad debt, typically 180 days post first Bill (and before your credit has been checked, which they legally have to give you 30 days notice), they will typically give you 25%+ off your total Bill.

I never pay off until that happens as there is almost zero risk.

i would agree to an extent. However, when our third was born last June I made an offer to the hospital for 60% of the original bill the day after her birth. They declined but called a few days later accepting the offer.