Shark, your numbers are off. Minimum expense would be $0 utilization which would make it
Buy up plan - $1200/year
HDHP - ($797)/year min expense. (premium minus employer contribtion)
I have a hard time conceiving a world where you don't hit the deductible in a year but yes you're right
For my personal calculus I always assume the deduct will get hit because that's literally a single hospital trip
as someone who doesn't have any insurance until Jan 1,
cool. cool cool cool.
bullshit item number like, 400358 in our healthcare system is how it's all tied to employment
Yup. I can get COBRA until 12/31 backdated to 11/1 for the low low cost of $4000, or I can pay $400 here to have a $1000 here to have a plan with a $2000 deductible for December.
Technically this is all MrsNub's insurance. Mine is free and amazing because I'm a postdoc working at a hospital. I think once we're married we'll strongly consider switching her onto mine.
Personally I'm leaning towards the "buy up" plan because it seems safer and more predictable. But I'll share all this with her later. Thanks guys, you've really helped me parse all this shit.
Shark, your numbers are off. Minimum expense would be $0 utilization which would make it
Buy up plan - $1200/year
HDHP - ($797)/year min expense. (premium minus employer contribtion)
I have a hard time conceiving a world where you don't hit the deductible in a year but yes you're right
For my personal calculus I always assume the deduct will get hit because that's literally a single hospital trip
as someone who doesn't have any insurance until Jan 1,
cool. cool cool cool.
bullshit item number like, 400358 in our healthcare system is how it's all tied to employment
Yup. I can get COBRA until 12/31 backdated to 11/1 for the low low cost of $4000, or I can pay $400 here to have a $1000 here to have a plan with a $2000 deductible for December.
when I got laid off after the crash in 2008 they were like...you can have COBRA for $ENTIREUNEMPLOYMENTCHECK and I was like that's cool guys let me get back to you
and then porp had sudden hearing loss in her ear and the doc was like well you need an MRI to check for a brain tumor and we were like lol ok guess we'll just hope it isn't one
thankfully once I did get insurance again the MRI came back negative because otherwise im sure we would have gotten told that her tumor was a preexisting condition
Please consider the environment before printing this post.
Reading these last few pages I want to hug my insurance plan and never let go.
I've never hit my $3000 deductible and this is with having 2 fairly expensive surgeries that after everything was negotiated came out to a few hundred $$.
I'm sure this will all change if I ever go off the "single" plan.
DRX is on my plan and I think I pay like $320 per month for it. But it's pretty good coverage. I just got the bill for my IUD --- it was $1,463 but the portion not covered by insurance is $8.12. I'll pay it gladly.
Technically this is all MrsNub's insurance. Mine is free and amazing because I'm a postdoc working at a hospital. I think once we're married we'll strongly consider switching her onto mine.
Personally I'm leaning towards the "buy up" plan because it seems safer and more predictable. But I'll share all this with her later. Thanks guys, you've really helped me parse all this shit.
Have we?
I'm more confused than when we started
I mean I think I know what it means now. Which is different from which is "best"
+1
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Sir Landsharkresting shark faceRegistered Userregular
Shark, your numbers are off. Minimum expense would be $0 utilization which would make it
Buy up plan - $1200/year
HDHP - ($797)/year min expense. (premium minus employer contribtion)
I have a hard time conceiving a world where you don't hit the deductible in a year but yes you're right
For my personal calculus I always assume the deduct will get hit because that's literally a single hospital trip
as someone who doesn't have any insurance until Jan 1,
cool. cool cool cool.
Does changing jobs not counts as a QLE? I thought it did.
I haven't changed jobs since ACA kicked in but I remember having to wait until like, the next open enrollment period or w/e before my benefits kicked in. or maybe it was just that they were allowed to not provide benefits during the "trial" employment phase?
Please consider the environment before printing this post.
Shark, your numbers are off. Minimum expense would be $0 utilization which would make it
Buy up plan - $1200/year
HDHP - ($797)/year min expense. (premium minus employer contribtion)
I have a hard time conceiving a world where you don't hit the deductible in a year but yes you're right
For my personal calculus I always assume the deduct will get hit because that's literally a single hospital trip
as someone who doesn't have any insurance until Jan 1,
cool. cool cool cool.
Does changing jobs not counts as a QLE? I thought it did.
I think something happened and he missed the enrollment period
QLE means you have 60 days from when that event happens to enroll in the new health insurance via the new company or on the exchange. I assume deebs is waiting because it's a raw deal to hop on it now and pay the predated/postdated premiums or something like that.
not a doctor, not a lawyer, examples I use may not be fully researched so don't take out of context plz, don't @ me
0
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Deebaseron my way to work in a suit and a tieAhhhh...come on fucking guyRegistered Userregular
Shark, your numbers are off. Minimum expense would be $0 utilization which would make it
Buy up plan - $1200/year
HDHP - ($797)/year min expense. (premium minus employer contribtion)
I have a hard time conceiving a world where you don't hit the deductible in a year but yes you're right
For my personal calculus I always assume the deduct will get hit because that's literally a single hospital trip
as someone who doesn't have any insurance until Jan 1,
cool. cool cool cool.
Does changing jobs not counts as a QLE? I thought it did.
The eligibility here was 1 month after the 1st. I started on 10/28, so they wont let me get on the plan until 12/1. Oddly, I still got 100% of the annual 11/1 stock giveaway.
Shark, your numbers are off. Minimum expense would be $0 utilization which would make it
Buy up plan - $1200/year
HDHP - ($797)/year min expense. (premium minus employer contribtion)
I have a hard time conceiving a world where you don't hit the deductible in a year but yes you're right
For my personal calculus I always assume the deduct will get hit because that's literally a single hospital trip
as someone who doesn't have any insurance until Jan 1,
cool. cool cool cool.
bullshit item number like, 400358 in our healthcare system is how it's all tied to employment
One of the few advantages to working in the DC Metro areas, is that companies that offer no or very shitty insurance, get scalped for employees, especially if they have clearances.
I know most of the competitors in the area and what benefits they offer. I used to use that to be like, hey we have free health insurance day 1. Join us. It was sadly way too effective.
Reading these last few pages I want to hug my insurance plan and never let go.
I've never hit my $3000 deductible and this is with having 2 fairly expensive surgeries that after everything was negotiated came out to a few hundred $$.
I'm sure this will all change if I ever go off the "single" plan.
I find that getting a large pharmaceutical company to pay my deductible works out really well for me.
Well aside from that up to a month before the first treatment hits insurance and where I get financially ruined if I need the ER.
Shark, your numbers are off. Minimum expense would be $0 utilization which would make it
Buy up plan - $1200/year
HDHP - ($797)/year min expense. (premium minus employer contribtion)
I have a hard time conceiving a world where you don't hit the deductible in a year but yes you're right
For my personal calculus I always assume the deduct will get hit because that's literally a single hospital trip
as someone who doesn't have any insurance until Jan 1,
cool. cool cool cool.
Does changing jobs not counts as a QLE? I thought it did.
I haven't changed jobs since ACA kicked in but I remember having to wait until like, the next open enrollment period or w/e before my benefits kicked in. or maybe it was just that they were allowed to not provide benefits during the "trial" employment phase?
yeah ACA changed this, it used to be you had to wait until the next year, but now as long as it's a QLE (something drastic has happened to your financial situation or you changed jobs/locations) you can enroll any time of the year.
not a doctor, not a lawyer, examples I use may not be fully researched so don't take out of context plz, don't @ me
I do like that they include the "cost" on your bill like it means anything. It's a completely fictional number that bears no relation to what you pay, what they pay, or what it actually costs in the real world.
Shark, your numbers are off. Minimum expense would be $0 utilization which would make it
Buy up plan - $1200/year
HDHP - ($797)/year min expense. (premium minus employer contribtion)
I have a hard time conceiving a world where you don't hit the deductible in a year but yes you're right
For my personal calculus I always assume the deduct will get hit because that's literally a single hospital trip
as someone who doesn't have any insurance until Jan 1,
cool. cool cool cool.
Does changing jobs not counts as a QLE? I thought it did.
The eligibility here was 1 month after the 1st. I started on 10/28, so they wont let me get on the plan until 12/1. Oddly, I still got 100% of the annual 11/1 stock giveaway.
That doesn't seem right, but I am not HR so maybe it is.
not a doctor, not a lawyer, examples I use may not be fully researched so don't take out of context plz, don't @ me
Oh my god, current events have fucked my brain so hard that, when the cat jumped on my laptop, what I started to yell was not "Lia! No!" but "Lia! No quid pro quo!"
Have you shared pictures of this new cat
She is a beautiful creature of loveteeth
*pounds clipboard*
TEETH TEETH
+8
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Powerpuppiesdrinking coffee in themountain cabinRegistered Userregular
Also having no insurance until you hit a 3k deductable is mad scary and will encourage people to not actually go to the doctor (which is the point they want your money for nothing)
Consider that the insurance company doesn't have any incentive to try and fight down the initial costs and that any simple trip to the clinic costs ??? dollars because out system is fucked.
Oh you've gotta a really bad cough... is it pnemonnia? Do you go in, it could cost you $100, it could be $2500?? Who even knows, if you ask they'll just give you a song and dance because they literally also don't know.
So you try and ride it out instead of getting the medical attention you need.
I just switched to the hsa plan because my company bribes you such that it’s numerically better for a single person regardless of risk profile
But it’s not operating this year so when i went in two weeks ago for a cough that isn’t bad at all but won’t go away, the eventual chest x ray cost me $400 and not $900. They didn’t find anything and want me to continue the inhaler steroids
0
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zepherinRussian warship, go fuck yourselfRegistered Userregular
Shark, your numbers are off. Minimum expense would be $0 utilization which would make it
Buy up plan - $1200/year
HDHP - ($797)/year min expense. (premium minus employer contribtion)
I have a hard time conceiving a world where you don't hit the deductible in a year but yes you're right
For my personal calculus I always assume the deduct will get hit because that's literally a single hospital trip
as someone who doesn't have any insurance until Jan 1,
cool. cool cool cool.
Does changing jobs not counts as a QLE? I thought it did.
The eligibility here was 1 month after the 1st. I started on 10/28, so they wont let me get on the plan until 12/1. Oddly, I still got 100% of the annual 11/1 stock giveaway.
That doesn't seem right, but I am not HR so maybe it is.
Some companies do that, generally it's because their HR is so shitty they can't get the paperwork processed fast enough to put them on the 1st (which is standard in this area) or on their first day of employment which was where I worked recently.
>//ONTOLOGICAL PARACAUSAL PHENOMENON IS FUN:::
>//SNIPERGUY IS WRITING COMPUTER READOUT STUFF FOR THE LANCER CAMPAIGN:::
>//WHO WANTS TO EMBRACE AN ELDER GOD MADE OUT OF MATH IT WILL BE FUN I PROMISE:::
>//ONTOLOGICAL PARACAUSAL PHENOMENON IS FUN:::
>//SNIPERGUY IS WRITING COMPUTER READOUT STUFF FOR THE LANCER CAMPAIGN:::
>//WHO WANTS TO EMBRACE AN ELDER GOD MADE OUT OF MATH IT WILL BE FUN I PROMISE:::
I'm gonna need to drop a mobius strip for this
0
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Sir Landsharkresting shark faceRegistered Userregular
I had obamacare for like a month between grad school and starting here.
luv 2 pay out the ass for insurance that covers nothing
I mean I didn't use it, but it covered most stuff?
every plan i saw on it was a high deductible monstrosity
lemme just shoot myself in the foot so i can get my money's worth
from what I recall, the exchange plans vary greatly by state since each state was supposed to setup their own exchange and well, some put more effort in then others
Please consider the environment before printing this post.
+2
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zepherinRussian warship, go fuck yourselfRegistered Userregular
Have you all tried being homosexuals and not being able to reproduce
1. sort of but i don't understand my own fertility situation
2. one of my best friends from college is thinking about having kids and she's been texting us screenshots from a guidebook to lesbian fertility and reproduction and it sounds like a lot of work!
Steam, LoL: credeiki
+1
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JacobkoshGamble a stamp.I can show you how to be a real man!Moderatormod
Clan Timber Wolf OmniMech
Homosexuals can reproduce! That's what all the gay mind control rays are for.
+2
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zepherinRussian warship, go fuck yourselfRegistered Userregular
I have to take my cat to the vet. But I just spent $250 taking the other one to the vet, and there was nothing wrong with her! How can I tell my vet "he's good till next year" because he's young and perfectly healthy??
Posts
Yup. I can get COBRA until 12/31 backdated to 11/1 for the low low cost of $4000, or I can pay $400 here to have a $1000 here to have a plan with a $2000 deductible for December.
Does changing jobs not counts as a QLE? I thought it did.
Personally I'm leaning towards the "buy up" plan because it seems safer and more predictable. But I'll share all this with her later. Thanks guys, you've really helped me parse all this shit.
it does
when I got laid off after the crash in 2008 they were like...you can have COBRA for $ENTIREUNEMPLOYMENTCHECK and I was like that's cool guys let me get back to you
and then porp had sudden hearing loss in her ear and the doc was like well you need an MRI to check for a brain tumor and we were like lol ok guess we'll just hope it isn't one
thankfully once I did get insurance again the MRI came back negative because otherwise im sure we would have gotten told that her tumor was a preexisting condition
DRX is on my plan and I think I pay like $320 per month for it. But it's pretty good coverage. I just got the bill for my IUD --- it was $1,463 but the portion not covered by insurance is $8.12. I'll pay it gladly.
I mean I think I know what it means now. Which is different from which is "best"
I haven't changed jobs since ACA kicked in but I remember having to wait until like, the next open enrollment period or w/e before my benefits kicked in. or maybe it was just that they were allowed to not provide benefits during the "trial" employment phase?
All you need to know is you get a big bill a month later no matter what you pick.
QLE means you have 60 days from when that event happens to enroll in the new health insurance via the new company or on the exchange. I assume deebs is waiting because it's a raw deal to hop on it now and pay the predated/postdated premiums or something like that.
The eligibility here was 1 month after the 1st. I started on 10/28, so they wont let me get on the plan until 12/1. Oddly, I still got 100% of the annual 11/1 stock giveaway.
I mean I didn't use it, but it covered most stuff?
I know most of the competitors in the area and what benefits they offer. I used to use that to be like, hey we have free health insurance day 1. Join us. It was sadly way too effective.
I find that getting a large pharmaceutical company to pay my deductible works out really well for me.
Well aside from that up to a month before the first treatment hits insurance and where I get financially ruined if I need the ER.
yeah ACA changed this, it used to be you had to wait until the next year, but now as long as it's a QLE (something drastic has happened to your financial situation or you changed jobs/locations) you can enroll any time of the year.
I'm not going to be grateful you thieving fucks.
That doesn't seem right, but I am not HR so maybe it is.
Medicare For All or bust.
lemme just shoot myself in the foot so i can get my money's worth
*pounds clipboard*
TEETH TEETH
I just switched to the hsa plan because my company bribes you such that it’s numerically better for a single person regardless of risk profile
But it’s not operating this year so when i went in two weeks ago for a cough that isn’t bad at all but won’t go away, the eventual chest x ray cost me $400 and not $900. They didn’t find anything and want me to continue the inhaler steroids
>//SNIPERGUY IS WRITING COMPUTER READOUT STUFF FOR THE LANCER CAMPAIGN:::
>//WHO WANTS TO EMBRACE AN ELDER GOD MADE OUT OF MATH IT WILL BE FUN I PROMISE:::
Idk
Mine was like 120/mo I think, but I remember a discussion with a guy in the Bay Area whose cost was like 400/mo for the same plan inexplicably
what if you're not homosexual but you also do not want to reproduce
is there a club we can all form or something
I'm gonna need to drop a mobius strip for this
from what I recall, the exchange plans vary greatly by state since each state was supposed to setup their own exchange and well, some put more effort in then others
Yeah I said it, let's fight, don't @ me.
Can I add my cats to my healthcare plan?
Insurance companies better wise up to what the next generation demands.
I dunno our D&D group had all sorts of fucking
1. sort of but i don't understand my own fertility situation
2. one of my best friends from college is thinking about having kids and she's been texting us screenshots from a guidebook to lesbian fertility and reproduction and it sounds like a lot of work!