Joined: 24 Dec 2007 Posts: 35853 Location: Santa Clarita, CA (Hell) ->>>>>Ithaca, NY -≥≥≥≥≥Berkeley, CA
Posted: Thu Jan 18, 2018 4:47 pm Post subject: How satisfied are you with your health insurance?
Building off the other thread, what has your experience with your health insurance been like? How much are your monthly payments, deductibles, and co-pays? _________________ Damian Lillard shatters Dwight Coward's championship dreams:
Joined: 02 May 2005 Posts: 90307 Location: Formerly Known As 24
Posted: Thu Jan 18, 2018 4:58 pm Post subject:
I have a platinum plan through Kaiser Permananente, 250 deductable, 2k max out of pocket per year, premium paid for by my work. 10 buck copay for office, 25 for specialist, 100 for ER, refundable if admitted, 90% coverage for hospitalization and such up to max out of pocket. 7 bucks for prescriptions, and a modest vision plan as well. _________________ “We must always take sides. Neutrality helps the oppressor, never the victim. Silence encourages the tormentor, never the tormented.” ― Elie Wiesel
Joined: 13 Jan 2002 Posts: 7924 Location: Lake Forest
Posted: Thu Jan 18, 2018 5:53 pm Post subject:
Was amazingly great until 3 years ago (still same job). Now it's basically catastrophic insurance. Crazy deductible. Crazy co-pay. It's actually cheaper not to claim insurance in several instances if you don't claim more than your deductible for the year.
Joined: 14 Apr 2001 Posts: 144469 Location: The Gold Coast
Posted: Thu Jan 18, 2018 6:37 pm Post subject:
Satisfied. $300/month for the family, $500/member deductible, max $2,500/member. $10 per visit, $25 for a specialist. It is an HMO so you have to make appointments in advance. We were paying $1,200/month for a PPO. It is Ventura County Healthcare Plan and all of their facilities are new or recently remodeled. I typically see resident doctors and I feel that they give more thought and concern than most doctors with 15+ years experience. _________________ RIP mom. 11-21-1933 to 6-14-2023.
Joined: 17 Nov 2007 Posts: 67706 Location: In a world where admitting to not knowing something is considered a great way to learn.
Posted: Thu Jan 18, 2018 7:21 pm Post subject:
I have Kaiser. $0 co pay doctors visits and emergency. $0 monthly premium. $1.25 generic meds. $3.25 brand name. Don't have to stand in line for medication refills. I order online and they're sent by mail. There are more benefits. _________________ Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
America will never be destroyed from the outside. If we falter and lose our freedoms, it will be because we destroyed ourselves.
Joined: 02 May 2005 Posts: 90307 Location: Formerly Known As 24
Posted: Thu Jan 18, 2018 7:46 pm Post subject:
jodeke wrote:
I have Kaiser. $0 co pay doctors visits and emergency. $0 monthly premium. $1.25 generic meds. $3.25 brand name. Don't have to stand in line for medication refills. I order online and they're sent by mail. There are more benefits.
Medicare supplement? _________________ “We must always take sides. Neutrality helps the oppressor, never the victim. Silence encourages the tormentor, never the tormented.” ― Elie Wiesel
Joined: 17 Nov 2007 Posts: 67706 Location: In a world where admitting to not knowing something is considered a great way to learn.
Posted: Thu Jan 18, 2018 7:59 pm Post subject:
Omar Little wrote:
jodeke wrote:
I have Kaiser. $0 co pay doctors visits and emergency. $0 monthly premium. $1.25 generic meds. $3.25 brand name. Don't have to stand in line for medication refills. I order online and they're sent by mail. There are more benefits.
Medicare supplement?
AARP _________________ Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
America will never be destroyed from the outside. If we falter and lose our freedoms, it will be because we destroyed ourselves.
Joined: 02 May 2005 Posts: 90307 Location: Formerly Known As 24
Posted: Thu Jan 18, 2018 8:07 pm Post subject:
jodeke wrote:
Omar Little wrote:
jodeke wrote:
I have Kaiser. $0 co pay doctors visits and emergency. $0 monthly premium. $1.25 generic meds. $3.25 brand name. Don't have to stand in line for medication refills. I order online and they're sent by mail. There are more benefits.
Medicare supplement?
AARP
Seems nice. Happy for you. Who pays for it though? _________________ “We must always take sides. Neutrality helps the oppressor, never the victim. Silence encourages the tormentor, never the tormented.” ― Elie Wiesel
Joined: 02 May 2005 Posts: 90307 Location: Formerly Known As 24
Posted: Thu Jan 18, 2018 8:34 pm Post subject:
jodeke wrote:
My son. TMI
excellent. Glad you’re getting good healthcare. _________________ “We must always take sides. Neutrality helps the oppressor, never the victim. Silence encourages the tormentor, never the tormented.” ― Elie Wiesel
Joined: 24 Dec 2007 Posts: 35853 Location: Santa Clarita, CA (Hell) ->>>>>Ithaca, NY -≥≥≥≥≥Berkeley, CA
Posted: Thu Jan 18, 2018 8:48 pm Post subject:
Omar Little wrote:
I have a platinum plan through Kaiser Permananente, 250 deductable, 2k max out of pocket per year, premium paid for by my work. 10 buck copay for office, 25 for specialist, 100 for ER, refundable if admitted, 90% coverage for hospitalization and such up to max out of pocket. 7 bucks for prescriptions, and a modest vision plan as well.
How come they don’t discriminate against you for being a smoker? _________________ Damian Lillard shatters Dwight Coward's championship dreams:
Joined: 02 May 2005 Posts: 90307 Location: Formerly Known As 24
Posted: Thu Jan 18, 2018 8:50 pm Post subject:
CandyCanes wrote:
Omar Little wrote:
I have a platinum plan through Kaiser Permananente, 250 deductable, 2k max out of pocket per year, premium paid for by my work. 10 buck copay for office, 25 for specialist, 100 for ER, refundable if admitted, 90% coverage for hospitalization and such up to max out of pocket. 7 bucks for prescriptions, and a modest vision plan as well.
How come they don’t discriminate against you for being a smoker?
Havent had a cigarette in almost two years. _________________ “We must always take sides. Neutrality helps the oppressor, never the victim. Silence encourages the tormentor, never the tormented.” ― Elie Wiesel
Joined: 10 Dec 2006 Posts: 52656 Location: Making a safety stop at 15 feet.
Posted: Thu Jan 18, 2018 8:52 pm Post subject:
Very much. I have an industry health plan through my union. I pay $600 a year for benefit breakdowns that are pretty much a mash up of what others have laid out here. And I am very lucky for it, because our kids present a collection of potential health costs that could otherwise be an overwhelming financial burden. _________________ You thought God was an architect, now you know
He’s something like a pipe bomb ready to blow
And everything you built that’s all for show
goes up in flames
In 24 frames
Joined: 24 Dec 2007 Posts: 35853 Location: Santa Clarita, CA (Hell) ->>>>>Ithaca, NY -≥≥≥≥≥Berkeley, CA
Posted: Thu Jan 18, 2018 9:36 pm Post subject:
DaMuleRules wrote:
Very much. I have an industry health plan through my union. I pay $600 a year for benefit breakdowns that are pretty much a mash up of what others have laid out here. And I am very lucky for it, because our kids present a collection of potential health costs that could otherwise be an overwhelming financial burden.
Does the insurance company ever deny your claims? _________________ Damian Lillard shatters Dwight Coward's championship dreams:
Joined: 18 Dec 2015 Posts: 5234 Location: So what's the uh...topic of discussion?
Posted: Thu Jan 18, 2018 11:16 pm Post subject:
most people on my plan are happy, however, my dental doesn't cover deep cleanings (what?) and my VSP does nothing for contacts, which is not unique, but damn that's cold _________________ "All wars are civil wars, because all men are brothers."
http://forums.lakersground.net/profile.php?mode=viewprofile&u=13018
Joined: 10 Dec 2006 Posts: 52656 Location: Making a safety stop at 15 feet.
Posted: Fri Jan 19, 2018 9:02 am Post subject:
CandyCanes wrote:
DaMuleRules wrote:
Very much. I have an industry health plan through my union. I pay $600 a year for benefit breakdowns that are pretty much a mash up of what others have laid out here. And I am very lucky for it, because our kids present a collection of potential health costs that could otherwise be an overwhelming financial burden.
Does the insurance company ever deny your claims?
Not as of yet (knock wood). _________________ You thought God was an architect, now you know
He’s something like a pipe bomb ready to blow
And everything you built that’s all for show
goes up in flames
In 24 frames
Joined: 17 Nov 2007 Posts: 67706 Location: In a world where admitting to not knowing something is considered a great way to learn.
Posted: Fri Jan 19, 2018 10:26 am Post subject:
Omar Little wrote:
jodeke wrote:
My son. TMI
excellent. Glad you’re getting good healthcare.
A little over a year and a half ago I had a COPD attack, very scary, couldn't breath. I honestly thought I was going to check out.
Emergency took me to Daniel Freeman hospital. I stayed 2 days, transferred to Kaiser Cadillac for 3 days. I paid $0 dollars.
Other than COPD and Arthur in both knees I'm in good health, heart pumping like a oil well in Zaire, blood pressure constant, all organs healthy.
In addition I have dental, extractions, cavity and cleaning every six months. Had a tooth pulled that called for a oral surgeon. $0 dollars. I've known my dentist for years. I know people in the home care business and I urge them to send the clients to him. He deep cleans my teeth for $100.00 _________________ Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
America will never be destroyed from the outside. If we falter and lose our freedoms, it will be because we destroyed ourselves.
Joined: 10 Jul 2009 Posts: 12182 Location: Bay Area
Posted: Fri Jan 19, 2018 10:51 am Post subject:
jodeke wrote:
Omar Little wrote:
jodeke wrote:
My son. TMI
excellent. Glad you’re getting good healthcare.
A little over a year and a half ago I had a COPD attack, very scary, couldn't breath. I honestly thought I was going to check out.
Emergency took me to Daniel Freeman hospital. I stayed 2 days, transferred to Kaiser Cadillac for 3 days. I paid $0 dollars.
Other than COPD and Arthur in both knees I'm in good health, heart pumping like a oil well in Zaire, blood pressure constant, all organs healthy.
Glad you're ok. Leave a note to your son with your LG info...I and the community would appreciate hearing, you know, in case something more permanent took place...
Joined: 17 Nov 2007 Posts: 67706 Location: In a world where admitting to not knowing something is considered a great way to learn.
Posted: Fri Jan 19, 2018 11:23 am Post subject:
All LG members. I appreciate your concern. It's truly heartfelt.
I'm going to live to be 106, a Gypsy told me that when I was in the 6th grade. _________________ Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
America will never be destroyed from the outside. If we falter and lose our freedoms, it will be because we destroyed ourselves.
$271 a month PRE-TAX for Kaiser Permanente for the whole family. Deductables are pretty low -- something like $20 for an office visit and $10 for a prescription. Always had great, timely service and had all my needs met. Referrals are easy, and they're quick to do diagnostics tests. For instance, I have ongoing lower back problems, and they were quick to refer me for an MRI, and to a neurosurgeon for evaluation & assessment. (Compression fracture from my old bike racing career, and resulting disc problems & stenosis. Not much that can be done at this point.) Been with KP about 25 years. Also helps that my wife is a provider for them.
I got none. I get my healthcare outside the country since it's a lot cheaper. _________________ (❍ᴥ❍ʋ) ʕʘᴥʘʔ (⌐ ͡■ ͜ʖ ͡■) (┛◉Д◉)┛( ͡° ͜ʖ ͡°) ༼;´༎ຶ ༎ຶ༽
Joined: 02 May 2005 Posts: 90307 Location: Formerly Known As 24
Posted: Fri Jan 19, 2018 4:48 pm Post subject:
Conker wrote:
I got none. I get my healthcare outside the country since it's a lot cheaper.
Aren't you in south FLorida? Do you sneak over to Cuba or something? _________________ “We must always take sides. Neutrality helps the oppressor, never the victim. Silence encourages the tormentor, never the tormented.” ― Elie Wiesel
I got none. I get my healthcare outside the country since it's a lot cheaper.
Aren't you in south FLorida? Do you sneak over to Cuba or something?
No. My parents are from Honduras. So, plane tickets from Miami/Ft. Lauderdale to Honduras is pretty fair for a 2-way. I do my dental work over there and same with buying prescribed drugs and injections that we bring over to the U.S. Plus, public hospital visits is "free" while the private ones are pretty cheap.
All that and visiting family and vacationing.
$300+/month for health insurance is too much for me. _________________ (❍ᴥ❍ʋ) ʕʘᴥʘʔ (⌐ ͡■ ͜ʖ ͡■) (┛◉Д◉)┛( ͡° ͜ʖ ͡°) ༼;´༎ຶ ༎ຶ༽
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