OT: Anything Goes 32: Topicality? What's that?

[LDF]

There's a spoiler tag for a reason.

it is mention in a trailer.

 

[ChiHawks10]

it is mention in a trailer.

And some people don't even watch trailers... which is how this conversation began, with NFS saying he doesn't watch them.

 

[LDF]

And some people don't even watch trailers... which is how this conversation began, with NFS saying he doesn't watch them.

then it is in movies rants that has been publish. the story of how everything happen is not known.

 

[ChiHawks10]

then it is in movies rants that has been publish. the story of how everything happen is not known.

It's amazing to me that you'd rather argue with me about where you can find the information instead of just editing your post to stick a f***ing Spoiler tag on it.

 

[LDF]

It's amazing to me that you'd rather argue with me about where you can find the information instead of just editing your post to stick a ****ing Spoiler tag on it.

to tell you the truth, never thought of it.

 

[x Tame Impala]

I don’t think this is political and I’m 100% not trying to make this a political issue so bare with me, simply speaking to the reality of my situation.

Health insurance...

I’m finishing up school while I work as a waiter/bartender. For those that don’t know, restaurants at best offer bad health insurance to employees as long as they average 30+ hours a week for the prior year of work. I’m a full time student and usually clock in at 25-30 hours a week but it’s not technically enough to qualify so I have to get individual coverage on the marketplace.

This is the second year in a row of this. Monthly premiums for the worst coverage are like $275 or something with an $8000 deductible. Average plans are $300+/monthly and my deductible is still $6000+. The best insurance seems to be $400+/monthly with a lower deductible of $5000. How does this make any sense?

I’m seriously considering just not having insurance this year. If I go with an average plan and have a ~$300 premium with a $6500 deductible I’m still essentially screwed if I need healthcare. If I break my leg and have insurance I’ll still have paid over $3600 a year in monthly premiums and I still have to meet my $6500 deductible just to get treated. Over $10000. That’s insane. God forbid something awful happens to me and I don’t have insurance but even with it I feel like I’ll be financially screwed regardless.

It doesn’t seem like the most responsible or sensible decision, but financially it seems like it does make sense to just not have insurance. I’m still in my 20’s. Healthy. Fit. Happy. All of which I’m very lucky and grateful for. I’m just not sure if it’s actually worth it to pay the ~$4000 a year to have it.

Am I missing something here? It doesn’t make a whole lot of sense.

 

[DisgruntledHawkFan]

Health insurance is a broken mess. I was on my dads insurance until I was 22 and then I started for the railroad and my union negotiated that the company provides insurance at no cost to us. I’ve got a $500 deductible for my entire family.

I had no idea how bad it was for people until a few years ago when I started hearing stories like yours.

 

[Illinihockey]

I don’t think this is political and I’m 100% not trying to make this a political issue so bare with me, simply speaking to the reality of my situation.

Health insurance...

I’m finishing up school while I work as a waiter/bartender. For those that don’t know, restaurants at best offer bad health insurance to employees as long as they average 30+ hours a week for the prior year of work. I’m a full time student and usually clock in at 25-30 hours a week but it’s not technically enough to qualify so I have to get individual coverage on the marketplace.

This is the second year in a row of this. Monthly premiums for the worst coverage are like $275 or something with an $8000 deductible. Average plans are $300+/monthly and my deductible is still $6000+. The best insurance seems to be $400+/monthly with a lower deductible of $5000. How does this make any sense?

I’m seriously considering just not having insurance this year. If I go with an average plan and have a ~$300 premium with a $6500 deductible I’m still essentially screwed if I need healthcare. If I break my leg and have insurance I’ll still have paid over $3600 a year in monthly premiums and I still have to meet my $6500 deductible just to get treated. Over $10000. That’s insane. God forbid something awful happens to me and I don’t have insurance but even with it I feel like I’ll be financially screwed regardless.

It doesn’t seem like the most responsible or sensible decision, but financially it seems like it does make sense to just not have insurance. I’m still in my 20’s. Healthy. Fit. Happy. All of which I’m very lucky and grateful for. I’m just not sure if it’s actually worth it to pay the ~$4000 a year to have it.

Am I missing something here? It doesn’t make a whole lot of sense.

Its basically catastrophic loss insurance. You fall down and hit your head, have to get an MRI, thats $20,000 at least just for the MRI. My friend's little girl had to take a ride in an ambulance to the ER and stayed over night, cost him $9,000. Those deductibles are so high because what hospitals and doctors charge are ridiculous.

 

[x Tame Impala]

Are you sure MRI’s are $20K? Seems high.

But still, even if I need one I’m still on the hook for $10,000 at least anyway. I’m not scoffing at the other $10,000 needed but it’s a very, very expensive situation regardless.

Edit: Quick google search says MRI average cost is $2500-$4500

 

[b1e9a8r5s]

I don’t think this is political and I’m 100% not trying to make this a political issue so bare with me, simply speaking to the reality of my situation.

Health insurance...

I’m finishing up school while I work as a waiter/bartender. For those that don’t know, restaurants at best offer bad health insurance to employees as long as they average 30+ hours a week for the prior year of work. I’m a full time student and usually clock in at 25-30 hours a week but it’s not technically enough to qualify so I have to get individual coverage on the marketplace.

This is the second year in a row of this. Monthly premiums for the worst coverage are like $275 or something with an $8000 deductible. Average plans are $300+/monthly and my deductible is still $6000+. The best insurance seems to be $400+/monthly with a lower deductible of $5000. How does this make any sense?

I’m seriously considering just not having insurance this year. If I go with an average plan and have a ~$300 premium with a $6500 deductible I’m still essentially screwed if I need healthcare. If I break my leg and have insurance I’ll still have paid over $3600 a year in monthly premiums and I still have to meet my $6500 deductible just to get treated. Over $10000. That’s insane. God forbid something awful happens to me and I don’t have insurance but even with it I feel like I’ll be financially screwed regardless.

It doesn’t seem like the most responsible or sensible decision, but financially it seems like it does make sense to just not have insurance. I’m still in my 20’s. Healthy. Fit. Happy. All of which I’m very lucky and grateful for. I’m just not sure if it’s actually worth it to pay the ~$4000 a year to have it.

Am I missing something here? It doesn’t make a whole lot of sense.

That's what's offered through work? Have you looked into the Obamacare plans? (I have no idea what those cost or what they offer)

 

[x Tame Impala]

That's what's offered through work? Have you looked into the Obamacare plans? (I have no idea what those cost or what they offer)

I make too much for Obamacare.

The prices I listed are not through work. I don’t qualify for that because I don’t work 30+ hours a week on average. Which is actually pretty lame because 3 weeks out of every month I work over 30hrs/week but when I have tests or in this case finals (kill me) my hours dip down a ton and it throws off my average.

 

[hawksrule]

I don’t think this is political and I’m 100% not trying to make this a political issue so bare with me, simply speaking to the reality of my situation.

Health insurance...

I’m finishing up school while I work as a waiter/bartender. For those that don’t know, restaurants at best offer bad health insurance to employees as long as they average 30+ hours a week for the prior year of work. I’m a full time student and usually clock in at 25-30 hours a week but it’s not technically enough to qualify so I have to get individual coverage on the marketplace.

This is the second year in a row of this. Monthly premiums for the worst coverage are like $275 or something with an $8000 deductible. Average plans are $300+/monthly and my deductible is still $6000+. The best insurance seems to be $400+/monthly with a lower deductible of $5000. How does this make any sense?

I’m seriously considering just not having insurance this year. If I go with an average plan and have a ~$300 premium with a $6500 deductible I’m still essentially screwed if I need healthcare. If I break my leg and have insurance I’ll still have paid over $3600 a year in monthly premiums and I still have to meet my $6500 deductible just to get treated. Over $10000. That’s insane. God forbid something awful happens to me and I don’t have insurance but even with it I feel like I’ll be financially screwed regardless.

It doesn’t seem like the most responsible or sensible decision, but financially it seems like it does make sense to just not have insurance. I’m still in my 20’s. Healthy. Fit. Happy. All of which I’m very lucky and grateful for. I’m just not sure if it’s actually worth it to pay the ~$4000 a year to have it.

Am I missing something here? It doesn’t make a whole lot of sense.

I don't think you should go without. God-forbid something happens, a car accident, a serious illness, you could be on the hook for six figures. Or you'd possibly be in a position where you can't get the healthcare you need. It's like buying home insurance. Odds are overwhelming that none of our homes are going to burn down, but it's not a smart gamble to go without.

 

[ChiHawks10]

I don't think you should go without. God-forbid something happens, a car accident, a serious illness, you could be on the hook for six figures. Or you'd possibly be in a position where you can't get the healthcare you need. It's like buying home insurance. Odds are overwhelming that none of our homes are going to burn down, but it's not a smart gamble to go without.

Entirely agree. Probably the worst possible decision to go without some form of healthcare. I'd highly suggest keeping your health care @x Tame Impala

 

[Easy E]

I've been watching this Netflix show "Im a Killer". Fantastic so far, it's great the way they do it and film both sides of the story. I love documentary style shows .

 

[x Tame Impala]

I don't think you should go without. God-forbid something happens, a car accident, a serious illness, you could be on the hook for six figures. Or you'd possibly be in a position where you can't get the healthcare you need. It's like buying home insurance. Odds are overwhelming that none of our homes are going to burn down, but it's not a smart gamble to go without.

I’d be very worried. I drive from Chicago to Glen Ellyn and then back to Chicago at least 3 days a week for school. Live and work in Downtown Chicago where anything can happen.

I make enough money to support myself but adding another $300+ bill to my month is going to really suck. And it’s not like that money is just going to be otherwise wasted at a bar or something stupid. I’m trying to save as much $$$$ as possible. Many adult things I’d like to have (wedding ring, pay off my car, overall financial stability and comfort, etc...).

When I’m budgeting it’s hard to justify that money spent every month, as short-sighted of an outlook as that is.

 

[Blackhawkswincup]

I have a crappy Aetna plan thru my work these past few years and its pretty terrible insurance and Aetna has pretty crappy customer service when trying to deal with issues (Literally no one seems to know what the hell they are doing with company when you contact them)

I am in same boat as you X as in seeking any major medical attention is essentially going to cripple me financially at this point even with insurance I have

Also they dropped my doctor from network of Docs they use and then dropped the doctor I replaced him with this year so I have no clue who the hell I will decide on for primary care at this point. I hated the idea of moving on from my doctor I had since I was child but he at least recommended me to his friend who was on my insurance. Now as said he isn't available to me so I need to pick a stranger at some point

I had Blue Cross and Blue Shield for year thru Affordable Care Act and though it cost me good chunk every month both those doctors were in network and service was much better. I had staph infection that I needed treatment for and BCBS was not issue to deal with and covered a lot of the costs from that.

Not long after that they told me I couldn't get subsidy since my work offered insurance and I made too much money to qualify anyway and dropped me

I had Land of Lincoln plan when it started under ACA and they did take care of most of my medical costs after I had emergency a few years back and ended up being taken to ER via Ambulance. Also had good people when talking to them about the bills , etc

Then the company failed and shut down thus why I had to move to BCBS

Thus far of insurances I have used in my life BCBS was best but most costly. I liked LOL and I don't care for Aetna

Under BCBS and LOL when I had emergency medical situations they handled costs/etc well and I only too moderate financial hit. Under what I have now it would be financial ruin for me to seek medical attention for anything major

 

[Blue Liner]

All of the Canadians here are laughing at us about our health insurance woes. Mine is through work and is an absolute joke as well. I 100% understand the contemplation of just dropping insurance for the cost savings. It sucks that so many Americans even are in the position of having to toy with that idea; gambling your long-term financial well being just to not go broke in the short term/every day living. It's a crime.

 

[x Tame Impala]

@Blackhawkswincup

You have a PPO then, right? Since you have to choose from a pre-selected group of doctors.

I’ve always been under the impression that HMO is the way to go. A bit pricier but the flexibility is worth it

 

[RayP]

My wife and I have pretty awesome coverage. On top of that every year for our HSA they toss us each $2500 into our account just because.

The coverage where I work is dreadful.

 

[b1e9a8r5s]

@Blackhawkswincup

You have a PPO then, right? Since you have to choose from a pre-selected group of doctors.

I’ve always been under the impression that HMO is the way to go. A bit pricier but the flexibility is worth it

In your situation, if you could find a doctor you like, I think HMO would be way to go to lower costs.

The assumption is that your young and healthy and don't have any on going issues.

(Edit: you have it backwards and I originally did too)

 

[ChiHawks10]

@Blackhawkswincup

You have a PPO then, right? Since you have to choose from a pre-selected group of doctors.

I’ve always been under the impression that HMO is the way to go. A bit pricier but the flexibility is worth it

PPO is the far better insurance when it's good. One of the biggest reasons why I have no desire to leave my job is the fact I pay $300 a month to cover me and my family(2 kids and eventually my fiance) with what is basically the best insurance you can have. It's a $0 deductible BCBS PPO. HMOs only cover you if you stay in network for doctors and hospitals. I can pretty much go anywhere at any time and I'll be covered. I can see specialists without a referral even. And the most I'll ever pay out of pocket is $150 for an ER visit.

 

[DisgruntledHawkFan]

@Blackhawkswincup

You have a PPO then, right? Since you have to choose from a pre-selected group of doctors.

I’ve always been under the impression that HMO is the way to go. A bit pricier but the flexibility is worth it

You’ve got it backwards.

 

[DisgruntledHawkFan]

PPO is the far better insurance when it's good. One of the biggest reasons why I have no desire to leave my job is the fact I pay $300 a month to cover me and my family(2 kids and eventually my fiance) with what is basically the best insurance you can have. It's a $0 deductible BCBS PPO. HMOs only cover you if you stay in network for doctors and hospitals. I can pretty much go anywhere at any time and I'll be covered. I can see specialists without a referral even. And the most I'll ever pay out of pocket is $150 for an ER visit.

That’s what I’ve got. My ex saves $300 a month because our daughter is covered by my insurance.

 

[ChiHawks10]

That’s what I’ve got. My ex saves $300 a month because our daughter is covered by my insurance.

The coverage is amazing. My company takes care of us in the benefits department. I'll never leave for that reason alone. Our medical, dental, and vision coverage is outstanding. The aforementioned health care plan, I have a $2500/year limit on dental for each one of us, and orthodontics are covered 85%. And then the 401k and match of 50% up to 12%, 25-40 vacation/PTO days(depending on how long you've been there), and revenue sharing that comes in the form of Christmas bonuses every year. My company takes care of us. So I'll take care of them by staying. Lol.

And once my fiance and I are married, I'll add her to my plan at no extra cost as I'm already on the "family plan" with the kids.

 

[x Tame Impala]

You’ve got it backwards.

Oh it’s reversed, my bad