Removed by mod
Health insurance is such horseshit
Removed by modI have two options for my employer's insurance. I can either pay $270/mo for a $2k deductible, $25 copay, 80% coinsurance after deductible, or pay half that for a $5k deductible, $30 copay, 70% coinsurance. That's bullshit why the fuck do I need a degree in actuarial science and a predictive model of my future disease potential in order to know what a good fucking deal is here, I don't fucking know if I'll just be wasting money on the better plan or what.
Also you can get ACA subsidies on employer based plans, right? Or is it only plans through the "mArkEtPlAcE"
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The only reason to provide complex options is to ensure that many people make the wrong choice and get scammed
If you make enough money to afford a huge copay, then you also make enough to get a plan without a huge copay.
If you don't make enough to afford a huge copay, then you are stuck with huge copay plans.
The net result is that healthcare is only for the wealthy, but its behind enough layers of obfuscation that liberals can pretend that we give healthcare to everyone.
Health "insurance" is actually a protection fee by predatory companies who profit off of your suffering. It's similar to the mafia like that. I view the U.S. "healthcare" industry as a kind of organized crime, and those responsible will be executed after the revolution.
It continually drives me insane that it isn't enough for the American health care industry to be a horror show of violence beyond comprehension, it also has to force every person to understand what a fucking deductible means.
Only option provided by my employer is $600/month, $4800 deductible, automatic $1000 fee for using ER :agony-deep:
I am uninsured:stuff:
I was just thinking about all of this bullshit. My job does not provide healthcare or pay me enough to afford it. The market has decided that the job I perform is not worthy of medicine.
why the fuck do I need a degree in actuarial science and a predictive model
https://s1.webmshare.com/zOr5W.webm
in california there's a public option for workers' compensation insurance for employers (SCIF), yet no public option for individual's healthcare.
fucking ofc ERs have public option for their shit while we're left with horseshit
That’s bullshit why the fuck do I need a degree in actuarial science and a predictive model of my future disease potential in order to know what a good fucking deal is here, I don’t fucking know if I’ll just be wasting money on the better plan or what.
That's the secret: they are, and all the plans suck the blood out of your veins no matter what.
If you don't have any chronic health issues and you would be able to handle an unexpected 5K expense you would likely be fine to go with the cheaper plan, however I would double check the prescription, medical/specialist, and hospital/emergency room benefits to see if there's any major differences because a flat copay could save you in certain situations over a coinsurance if there are discrepancies. Also check for mental health coverage if that's something you're interested in. A 2k deductible probably wouldn't be hit unless you had some level of severe health issue so you're really looking to see what the copays are because you're only getting a tiny window of cost benefit with the more expensive plan (2K deductible + 1620 premium =3620 vs 5000 + 10% coinsurance beyond that until you hit your out of pocket maximum).
The "market" is the absolute worst system for coverage. It's super bonkers that the one system that's only good at making profit was chosen to govern how healthcare is administered. A "market" doesn't do anything but generate profit, it doesn't care about how, why, or whom. I hate it so much comrade.
It gets better. On average two thirds of the total insurance is paid by the employer, so triple what you think you're paying for health care and imagine how different your life would be with that money being paid to you, instead of just being scammed by a bunch of inbred, obese white men in Tennessee (insurance is the states #1 industry) wearing khakis.
You've described why I stopped paying for healthcare years ago and am gambling on not needing the hospital every month.
The trick to understanding health insurance is to recognize that its always a shit deal and you're always going to get fucked over no matter what you choose.
I'm thinking of just not signing up still because I might have stopped throwing up every day (idk it's been 3 days) after taking a PPI again and even though I KNOW i should get checked out to find out WHY my bowels broke I really don't want to start losing hundreds of dollars a paycheck to be able to go spend hundreds of dollars at the doctor at least when I don't have money right now. If I can go another year without death or crippling disease I'll be in a better position to start giving up that much of my paycheck
I wish I didn't have to make this decision in like the next 7 days though because what if it flares back up again and I'm puking my guts out daily but woops i'm sorry sir the enrollment period is closed
Generally speaking, if you know you have a nasty condition, you're better off getting the insurance and seeing the doctor and then just not paying all the fucking bills (or negotiating them down after the fact - which is a nightmare but also not nearly as expensive as the alternative).
A lot of doctors simply won't look at you without insurance. So having it gets you in the door. And then you can worry about paying for shit once you have a diagnosis.
Also, OOP maximums are nice once you've hit them.
But I definitely understand the situation where you aren't earning enough to pay the fucking premiums. The best you can do there is to simply get the cheapest plan on offer and let the insurance company/hospital argue over what that means between them.
I drink a lot and it’s probably as simple as that giving me some fucking stomach ulcer or reflux condition and that’s what’s been causing my nausea, since the PPI seems to have helped.
I've had that and I know a few other people who have had it as well, so its definitely possible. But I agree, really hard to say whether this is something that will just go away with a little sobriety or whether there's something mean enough that you'll need real care. In theory, a consultation and a bit of diagnosis can answer that and it shouldn't cost you an arm or a leg to get it. In practice... YMMV.
It’s extra fucked because I just looked at the ACA marketplace and I WOULD be eligible for almost $400/mo in subsidies… but my work offers insurance, so, I get fucking nothing.
I believe firms that don't cover their employees are hit with some kind of tax, so they have an incentive to give you the shittiest option on the market to just kinda skirt under the line. :amerikkka:
Other Stuff
:yea: I don't know if I'd lose sleep over the risks of that. I get a little nervous every time I skirt bureaucracy, but 95% of the time nobody fucking cares. And the other 5% its mostly about hitting some kind of quota more than anything. I'd like to say "just be smart" but when life is a game of Russian Roulette, its all just selection bias to pretend you beat the system.
Do what you gotta do, I guess. I would at least get in for an annual check-up and go from there, though. Physicals are cheap and even just a conversation with a professional physician can put a lot of your fears to rest.
