Health Insurance choices 2019
#31
Re: Health Insurance choices 2019
What state comes in dead last on the US News list: MISSISSIPPI I can testify to that first hand using my daughter as an example.
However, healthcare was not the issue I was raising but that the doctors bill Bob for the remainder of the fees that his wife's healthcare does not pay. Hell, I'm 70 years ago. I have had Blue Cross/Blue Shield, Prudential, and now Aetna supplemental for my medicare and never been billed by a doctor or a hospital for the surplus fees unpaid by my healthcare. I have used my healthcare over the years in New York State, New Jersey, Massachusetts and now in Mississippi. So based on my personal experience, I find it outrageous that doctors have the nerve to bill a patient for the unpaid portion of the fee after healthcare has paid what they deem to be a reasonable fee.
However, healthcare was not the issue I was raising but that the doctors bill Bob for the remainder of the fees that his wife's healthcare does not pay. Hell, I'm 70 years ago. I have had Blue Cross/Blue Shield, Prudential, and now Aetna supplemental for my medicare and never been billed by a doctor or a hospital for the surplus fees unpaid by my healthcare. I have used my healthcare over the years in New York State, New Jersey, Massachusetts and now in Mississippi. So based on my personal experience, I find it outrageous that doctors have the nerve to bill a patient for the unpaid portion of the fee after healthcare has paid what they deem to be a reasonable fee.
Last edited by Rete; Oct 8th 2018 at 12:22 pm.
#32
Re: Health Insurance choices 2019
What state comes in dead last on the US News list: MISSISSIPPI I can testify to that first hand using my daughter as an example.
However, healthcare was not the issue I was raising but that the doctors bill Bob for the remainder of the fees that his wife's healthcare does not pay. Hell, I'm 70 years ago. I have had Blue Cross/Blue Shield, Prudential, and now Aetna supplemental for my medicare and never been billed by a doctor or a hospital for the surplus fees unpaid by my healthcare. I have used my healthcare over the years in New York State, New Jersey, Massachusetts and now in Mississippi. So based on my personal experience, I find it outrageous that doctors have the nerve to bill a patient for the unpaid portion of the fee after healthcare has paid what they deem to be a reasonable fee.
However, healthcare was not the issue I was raising but that the doctors bill Bob for the remainder of the fees that his wife's healthcare does not pay. Hell, I'm 70 years ago. I have had Blue Cross/Blue Shield, Prudential, and now Aetna supplemental for my medicare and never been billed by a doctor or a hospital for the surplus fees unpaid by my healthcare. I have used my healthcare over the years in New York State, New Jersey, Massachusetts and now in Mississippi. So based on my personal experience, I find it outrageous that doctors have the nerve to bill a patient for the unpaid portion of the fee after healthcare has paid what they deem to be a reasonable fee.
#33
Re: Health Insurance choices 2019
It's pretty decent level of coverage, but it's not cheap in the metro area.
#34
Re: Health Insurance choices 2019
I realize that not all healthcare is like mine has been and that each state handles it differently. I'm so sick of the mediocre healthcare system in my country that I'm almost willing to start a new revolution and overthrow our elite government whose only core concerns are themselves, their politics and their financial worth.
#35
Lost in BE Cyberspace
Joined: Jan 2006
Location: San Francisco
Posts: 12,865
Re: Health Insurance choices 2019
Don't I know it. Don't forget I lived 20 miles from midtown Manhattan in Westchester County and inexpensive is not a word that is used there unless it is accompanied by the word "not". I don't see my MA friends in the Berkshire having to pay this balance billing for their doctor visits or hospital stays or tests.
Last edited by Giantaxe; Oct 9th 2018 at 6:24 pm.
#36
Lost in BE Cyberspace
Joined: Jan 2006
Location: San Francisco
Posts: 12,865
Re: Health Insurance choices 2019
Surprised how few states have laws against balance billing. Six are described as "comprehensive", 29 have no laws. So for many the only protection is contracts between insurance companies and providers:
https://www.commonwealthfund.org/pub...ssing-consumer
https://www.commonwealthfund.org/pub...ssing-consumer
#37
Re: Health Insurance choices 2019
The point of my thread was about how much you pay now vs next year. Apparently it is state specific. Still , would like to hear more numbers.
Premium/deductible/MOOP / and approx circumstances viz state, earnings, industry etc.Thanks for the responses so far
Premium/deductible/MOOP / and approx circumstances viz state, earnings, industry etc.Thanks for the responses so far
#38
Re: Health Insurance choices 2019
My premium, deductible and out of pocket isn't changing for 2019, but they removed the vision benefit that was part of the medical plan before so if I want to pick that up, it'll be an extra $5 and change a pay. I don't recall the premium, around $100 a pay for a family plan, and the deductible is $2700/5400. They also added a cheaper option this year that has a much higher deductible, can't recall what it is though, and 80% co-pay after that, but the premiums for a family plan are something like $40 a pay. We have wellness credits and a smoking penalty, I don't smoke and get all the wellness benefits which are included in the premiums I listed. Last year they did introduce a two tier premium approach with "higher" earners paying more. I say "higher" because the line was under $40k and over $40k so it's not exactly my definition of a high earner.
#39
Re: Health Insurance choices 2019
We haven't gotten info for the new year, except to say that our vision is moving to a reimbursement only thing. This current year, they only paid up front if it was in network from a small list, which in previous years included Target, but which we didn't notice, had dropped Target. So that was a bit of a hassle.
#40
Re: Health Insurance choices 2019
State: SC
BCBS Bronze high deductible coverage for family of five. Premium increasing by 16.5% to $1,906 per month. Deductible = MOOP = can't remember exactly but approx $6.5K per person, $13K family
The other policy offered is BCBS Silver and the premium for this has increased by 6%
So depresssing
BCBS Bronze high deductible coverage for family of five. Premium increasing by 16.5% to $1,906 per month. Deductible = MOOP = can't remember exactly but approx $6.5K per person, $13K family
The other policy offered is BCBS Silver and the premium for this has increased by 6%
So depresssing
#43
Lost in BE Cyberspace
Joined: Jan 2006
Location: San Francisco
Posts: 12,865
Re: Health Insurance choices 2019
#44
Lost in BE Cyberspace
Joined: Jan 2006
Location: San Francisco
Posts: 12,865
Re: Health Insurance choices 2019
And from Consumer Reports:
"[ACA] Premiums are still high, but most insurers aren’t hiking rates as sharply as they did the past few years. Some insurers are even lowering premiums. Deductibles remain steep, too, depending on which plan you choose. But what you end up paying will vary dramatically based on where you live and what your state is doing—or not doing—to support insurance markets."
https://www.consumerreports.org/heal...nsurance-cost/
"[ACA] Premiums are still high, but most insurers aren’t hiking rates as sharply as they did the past few years. Some insurers are even lowering premiums. Deductibles remain steep, too, depending on which plan you choose. But what you end up paying will vary dramatically based on where you live and what your state is doing—or not doing—to support insurance markets."
https://www.consumerreports.org/heal...nsurance-cost/
Last edited by Giantaxe; Oct 15th 2018 at 5:11 pm.
#45
Account Closed
Joined: Jan 2006
Posts: 0
Re: Health Insurance choices 2019
That is insane. Your health insurance is my entire months income.....lol.... Insanity.
State: SC
BCBS Bronze high deductible coverage for family of five. Premium increasing by 16.5% to $1,906 per month. Deductible = MOOP = can't remember exactly but approx $6.5K per person, $13K family
The other policy offered is BCBS Silver and the premium for this has increased by 6%
So depresssing
BCBS Bronze high deductible coverage for family of five. Premium increasing by 16.5% to $1,906 per month. Deductible = MOOP = can't remember exactly but approx $6.5K per person, $13K family
The other policy offered is BCBS Silver and the premium for this has increased by 6%
So depresssing