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YAHIT (health insurance)

C

Corporate Thug

Lifer
I don't know how people afford this shit. For the first time, I am paying for "part" of my policy at work. My portion is $1600 a year...just for myself. A family on my same plan would pay $6000/year. This is for higher end HMO coverage.

My company (large group) also offers PPO...that would cost me ~$3500/year. The same policy would cost a family $20k / year. Now I understand all the ATOT "insurance is out of control" threads.

/weak rant.
 
Ours is scheduled to go up 28% even though we didn't even use as much as everyone put into it.

Fucking bull shit.
 
RossMAN said:
Don't worry if he misses his appointment, they'll know where to find him.
Click to expand...
Coming to a town near you, soon.

They put them up at all of the traffic lights here and I'm in a relatively small town. "They're just to monitor traffic and we haven't activated them yet." Riiiight, assholes.
 
Guess who is going to pay up one Obamacare crap hits?

The consumer

If you think it's been going up like crazy past few years.......just wait....
 
Vdubchaos said:
Guess who is going to pay up one Obamacare crap hits?

The consumer

If you think it's been going up like crazy past few years.......just wait....
Click to expand...

That's the plan. Obamacare is supposed to nuke the health insurance system, so that people will cry and beg for a single-payer system. The politicians want to be in charge of your health care so that they can blackmail you at election time.

http://news.yahoo.com/-harry-reid-says-obamacare-will-lead-to-single-payer-system--174601028.html
 
Corporate Thug said:
20k a year still boggles my mind...grant it it's for great PPO coverage but still...
Click to expand...

I pay $~2000/yr for Family PPO expanded network coverage with a $100/$200 deductible and $1000/$2000 MOP. The actual price is about ~$12,000.

Either your employer sucks at purchasing insurance; is small and can't get a good group discount; or, is passing off 100% of the cost and pocketing some money.
 
Some excellent points, OP. It's too bad the vast majority of Americans display absolutely no rational analytical ability about health care issues. Most of people only look at their deductibles, co-pays or the (usually trivial) portion of health insurance cost the employer passes onto them as the cost of health coverage.

We spend way, way too much for an intentionally misfunctioning system. Obamacare will help to an extent but the only true solution would probably cause an economic collapse and/or a revolution-terminate the deductibility of health insurance for employers. Millions of people would then suddently realize what the system costs and true reform would be forced by the public pressure.
 
It works like this. The insurance reps meet with the hospitals. The hospitals say, hey, we need to purchase new equipment. The on/off switch on the xray machine is wonky and its a 10 million dollar part. Instead of paying 10 million for a new switch, we're just going to get a new machine that will show a few more bones and only costs 100 million. Oh, by the way, we're now going to have to charge double for an xray over what we previously did.

Insurance company goes.. hmm, um.. well, no, you can't charge us double because we would need to pass that off to our insureds and they wont like it. Can we compromise on something?

Many reasonable hospitals say yes. Some, one specifically in my town, said no, F you, we just won't be a participating hospital. There was some banter back and forth, and it was settled.

Meanwhile, the insurance company raises rates because they have to pass on what the hospital charges for their services, which, as we already know, is freaking ludicrous. Why does it cost 10k for some bloodwork that basically tells me I'm ok? Why is it so damn expensive? Why are insurance companies allowed to "write off" a portion of the bill and only pay X amount while Joe Blow off the street can't do that? Why is this acceptable? There should be a standard fee across the board that everyone pays, insurance or not.
 
At a certain point employers will extricate themselves from the arrangement where they are insurance providers for their employees. It began in the 1950's when employers were able to receive preferential treatment for wages paid as "benefits" instead of salary.

Large employers will eventually be the ones to push the U.S. towards a national, single payer plan.

As for the current rates, and how the OP now gets it:

Welcome to the party, pal.
 
Gardener said:
At a certain point employers will extricate themselves from the arrangement where they are insurance providers for their employees. It began in the 1950's when employers were able to receive preferential treatment for wages paid as "benefits" instead of salary.
Click to expand...
Thank FDR and wage freeze for employer paid insurance.
 
slag said:
It works like this. The insurance reps meet with the hospitals. The hospitals say, hey, we need to purchase new equipment. The on/off switch on the xray machine is wonky and its a 10 million dollar part. Instead of paying 10 million for a new switch, we're just going to get a new machine that will show a few more bones and only costs 100 million. Oh, by the way, we're now going to have to charge double for an xray over what we previously did.

Insurance company goes.. hmm, um.. well, no, you can't charge us double because we would need to pass that off to our insureds and they wont like it. Can we compromise on something?

Many reasonable hospitals say yes. Some, one specifically in my town, said no, F you, we just won't be a participating hospital. There was some banter back and forth, and it was settled.

Meanwhile, the insurance company raises rates because they have to pass on what the hospital charges for their services, which, as we already know, is freaking ludicrous. Why does it cost 10k for some bloodwork that basically tells me I'm ok? Why is it so damn expensive? Why are insurance companies allowed to "write off" a portion of the bill and only pay X amount while Joe Blow off the street can't do that? Why is this acceptable? There should be a standard fee across the board that everyone pays, insurance or not.
Click to expand...


Why? Because it's a business and if they can charge you/can do it....the WILL do it.

There is only one intensive for service providers, and that's to make money.
 
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