US Health Insurance?
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For those of you in the US without full time jobs, what do you do for health insurance?
Any recommendations?
- vsplus0
There was a thread about the freelancers union but I'm too lazy to look for it in the filter.
- rosem0
http://bcbsil.com/coverage/indiv…
I have the Select Blue Individual plan and it's about $300/mo for PPO and dental, no vision.
- isn't the cost of living in IL a little cheaper though?ohhhhhsnap
- atomholc0
I pay $140/month with dental + it's also a 100% tax write off.
- with who?ohhhhhsnap
- more importantly what is your deductible?lvl_13
- whom ?!ohhhhhsnap
- atom.lvl_13
- sorry... that was a misfire lolohhhhhsnap
- fooler0
I was paying about $200 3-4 years ago when i was an independent contractor. I was thinking on going back to contract work and the same plan is now almost $400!!! how does insurance double in less than 4 years?
- you got older and insurance has become even more of a ripoff.lvl_13
- They're a bunch of fucking robbing cunts, that's what. Never buy insurance, if you get ill, don't pay. Go bankrupt.mikotondria3
- Fuck them. Let them take it all. Start again. And again. Fuck them all. Own nothing.mikotondria3
- vaxorcist0
also, I suggest you get a personal blood pressure monitor tester for $30 or so, practice mellowing out and sitting still with it, it's amazing how your blood pressure can read too high if you're stressed, or even sit at the wrong angle...
why? Some health insurance companies require you take a physicial exam before they insure you, and when I did that I was in traffic jam on the way there, had just drank some coffee, and the doctor read my blood pressure as being very high, but he was very cool, he said "did you get here in a hurry? Did I see you walk in with a cup of coffee?" and I said I was in a traffic jam on the way in, so he didn't write down the supposedly high blood pressure number, because he gently told me that would make me look hard to insure for an insurance company, he had me sit in the room for 10-15 minutes and a nice nurse came in at the end and measured my blood pressure and I was fine... and I got coverage...
so .... this shit can be weird...
- CanHasQBN0
Recently I went into an urgent care clinic. No insurance. I told them my symptoms (really bad 5-day headache, swollen lymph nodes in neck, burning eyes). I'd never experienced these symptoms together. They took my blood pressure, then left the room for 30 min while I waited, and came back to say they couldn't help me and that I should go to the the ER. They charged me $290. For what?! Taking my blood pressure and shooing me off to the ER?? CROOKS. Why couldn't they help me? You're an urgent-care clinic with doctors on hand, for fuck's sake.
So I go to the ER and they decided it would be a good idea to do a CT scan. That ran me $950. Easy money for them. What do you do when a doctor says he thinks you need a CT scan? Argue? You give all your trust to these people, but all they are are money-hungry crooks. I'm still expecting a second bill they call a "doctor bill" in the mail (this is a personal bill from the doctor, not the ER). Should be about $450. He spent a total of about 4 minutes with me. Then he said I should go home and take some Aleve.
America is the most backward country when it comes to healthcare.
Medical Bills: $1,700
Aleve: $5
American Greed: Fucking Priceless- and y' know... you haven't seen the worst of it. there are folks worse off than you.ohhhhhsnap
- oh I know. some people get seriously ill and have to sell off their home and everything they own.CanHasQBN
- If I got cancer I'd be in deep shit.CanHasQBN
- canoe0
Obamacare - $12,000 deductible
- canoe0
Absolutely crazy.
- studderine0
210/month through a Covered California plan; it's not the best in the world but I've had preventive tests done that were completely covered. At least the new Affordable Healthcare Act requires insurance to cover those things.
- formed0
I am paying about $340/month. Before the healthcare laws went into effect it was going up about 20-30% per year, topped out at $500+, so this dropped it back down to "reasonable".
It's all a scam. Insurance companies and big pharma run the game. They'll keep doing whatever they can to squeeze more and more out of people.
I doubt we'll ever see good, affordable healthcare. W/ the R's wanting to dismantle anything, it'll always be a battle just for basic affordable coverage.
- yurimon0
Anyone here have their deductibles at a high amount?
If i go to get a check up n it doesnt meet the deductible its out of pocket. kinda stupid considering im paying crazy money. and now everything has to get approval from a gp - doesnt meet deductible also after the stupid affordability act.
- fooler0
I thought my $35 co-pay was high but a friend just told me his is $50!
- stoplying0
I had to visit the ER a few months ago. Had a $100 co-pay, then got a bill for another $367! My shit insurance only pays 80% of ER visits so I'm responsible for the rest.
I'm employed full time, I pay $700 a month for my wife and two kids to be insured. I fucking HATE this system.Oh...AND the ER misdiagnosed me. Turns out I have LYME disease!
Health IS wealth.
- PonyBoy0
Hate what you're paying now? Wait till next year when everyone's premiums go up even more... good times. :)
And those tax 'credits' some of you are still happy you saw in your taxes last year... you finally get to pay them back! Yay. (remember the term 'credit' doesn't mean 'free'... you pay credit back)
It's incredible the difference in care and customer service you get when working directly w/a privately owned insurance company vs. Healthcare.org... :/ It's like going to the fucking DMV... no love... ASSHOLES at every window... take a number and get in line. :(
- sarahfailin0
As a (presumably) documented immigrant to the US with legal status, you MUST obtain health coverage in the US or else pay a penalty on your income taxes when you file. You can do this either through the federal marketplace www.healthcare.gov or through your state's exchange, if your state has an exchange.
If you do not have health coverage for 3 or more consecutive months in the year 2015, then you will pay a penalty of 2% of your income above $10,150 or $325 per person without coverage in your household, whichever is GREATER.
The purpose of the penalty is to make it as expensive NOT to have coverage as it is TO have coverage, so you'd better get covered! ;)
- Oh and you have to do it within 3 months of arriving or else you must wait until Nov. 1 when open enrollment starts again.sarahfailin
- That's a foul purpose to impose such a penalty... so foul that our current administration lied about it up front because they knew most would find it ridiculousPonyBoy