So.....did your insurance premium go up?

Always in His Presence · Tuesday at 11:46 AM

wing2000 said:
I have a United Health Care - high deductable HSA Heath plan with my employer (for my wife and myself):

In 2026, the annual costs are:
Company pays: $18,700
I pay: $8,3600

My wife and I $1,980 a year.

Including the monthly fee from our primary care physician and the Devastating illness coverage. In the last ten years we have spent somewhere in the neighborhood of $26,000 because of a procedure my wife needed. We negotiated the cash price and made payments.

Simple math:

8,360 a year times ten years = 83,600
vs
$26,000.

Always in His Presence · Tuesday at 11:48 AM

wing2000 said:
Dude, it's a hypotheical...

I'm not a dude - I don't work on a horse ranch - and I don't debate hypothetical because there are no facts to base a belief in it.

wing2000 said:
I don't know. And neither do you.

Don't you think it germane to the topic - not the hypothetical one.

wing2000 · Tuesday at 11:49 AM

Always in His Presence said:
My wife and I $1,980 a year.

Including the monthly fee from our primary care physician and the Devastating illness coverage. In the last ten years we have spent somewhere in the neighborhood of $26,000 because of a procedure my wife needed. We negotiated the cash price and made payments.

Simple math:

8,360 a year times ten years = 83,600
vs
$26,000.

Good for you. Our heath care risks profiles are different than yours so comparing the two is irrelevent.

wing2000 · Tuesday at 11:50 AM

Always in His Presence said:
I'm not a dude - I don't work on a horse ranch - and I don't debate hypothetical because there are no facts to base a belief in it.

Yeah, right - great reply - does that mean your done?

Yes. Your opinion is noted.

Always in His Presence · Tuesday at 11:57 AM

wing2000 said:
Good for you. Our heath care risks profiles are different than yours so comparing the two is irrelevent.

How do you know that? Why do you think we carry a Devastating Illness insurance policy.

What is irrelevant are hypotheticals

essentialsaltes · Tuesday at 12:29 PM

Always in His Presence said:
Very good - now compare to what the tax payer pays by funding the Unaffordable Care Act -

It appears to be roughly the same.

AI

The "full cost" of an Obamacare family plan includes premiums and other out-of-pocket expenses, with average annual premiums approaching $27,000

Desk trauma · Tuesday at 12:51 PM

RDKirk said:
The medical billing industry, for instance, is a multi-billion dollar industry...and they're just pushing paper mostly _sideways._ The amount of deliberate inefficiency in medical billing is astounding and demoralizing...and we patients are ultimately the ones who pay for it.

In one of these threads medical billing jobs were used as an argument against reforming healthcare. Have to protect those non productive paper pushing jobs!

camille70 · Tuesday at 2:41 PM

Always in His Presence said:
My wife and I $1,980 a year.

Including the monthly fee from our primary care physician and the Devastating illness coverage. In the last ten years we have spent somewhere in the neighborhood of $26,000 because of a procedure my wife needed. We negotiated the cash price and made payments.

Simple math:

8,360 a year times ten years = 83,600
vs
$26,000.

The 26k would have been your cost after your insurance covered part of it. How much did the insurance pay?

26k seems high for out-of-pocket expenses. Most plans have a cap of 2k-10k for the year depending on the plan and if care is in network or out of network. I think mine was 5k in network and 7500 out of network.

Edit: I may have misread your post, but I'll leave the question anyway.

Always in His Presence · Tuesday at 2:50 PM

Why did private insurance go up at 6% and the Unaffordable Care Act go up 18%?

Larniavc · Tuesday at 2:52 PM

Always in His Presence said:
it begs the question why are private corporations so much better at managing the cost of healthcare than the government?

It cost more for the American private corporation system than it does government systems in other countries.

Larniavc · Tuesday at 2:55 PM

wing2000 said:
I pay: $8,3600

Crikey! That's insane. Does it cover everything?

Always in His Presence · Tuesday at 3:43 PM

Larniavc said:
It cost more for the American private corporation system than it does government systems in other countries.

My question was: Why did health care rise 6% for private companies and 18% for Government run?

Here in the US

camille70 · Tuesday at 3:45 PM

Always in His Presence said:
My question was: Why did health care rise 6% for private companies and 18% for Government run?

Here in the US

Companies are still subsidizing employee healthcare and the government isn't, at least not at the same rates as before. That's what the whole shutdown is about. Eventually it will affect everyone tho if people drop coverage and/or hospitals are getting reimbursed at the same rates. Fewer people in the pool to offset costs.

Always in His Presence · Tuesday at 4:05 PM

camille70 said:
Companies are still subsidizing employee healthcare and the government isn't, at least not at the same rates as before. That's what the whole shutdown is about. Eventually it will affect everyone tho if people drop coverage and/or hospitals are getting reimbursed at the same rates. Fewer people in the pool to offset costs.

We ware addressing the costs in total - subsidized and unsubsidized parts.

The country currently spends 1.7 Trillion dollars on Health care - Church and his friends are asking for 1.5 trillion more and saying it is for health care -

They say a picture is worth 1,000 words:

https://www.cbo.gov/publication/61181

You really think we can bring medical up 1,5 trillion over the 1.48 trillion already being spent - where does the money come from?

wing2000 · Tuesday at 4:28 PM

Larniavc said:
Crikey! That's insane. Does it cover everything?

I need to correct the annual figure...it's actually a lot less... $4,180 are our annual medical premiums. Apologies for the miscaluclation! Dental and Vision are additional.

As a "high deductable" plan, we pay the first $2500 each year before insurance kicks in covering 80% of the bill. Preventative care is covered at 100%. Our maximum payout in a given year is capped at $6,000 (in network) or $10,000 (out of network).

We have the lowest family plan available. A premium plan is over 8k a year with lower deductables and flat co-pays.

Larniavc · Wednesday at 5:42 AM

wing2000 said:
I need to correct the annual figure...it's actually a lot less... $4,180 are our annual medical premiums. Apologies for the miscaluclation! Dental and Vision are additional.

As a "high deductable" plan, we pay the first $2500 each year before insurance kicks in covering 80% of the bill. Preventative care is covered at 100%. Our maximum payout in a given year is capped at $6,000 (in network) or $10,000 (out of network).

We have the lowest family plan available. A premium plan is over 8k a year with lower deductables and flat co-pays.

So even paying out each year you still have to pay per medical intervention?

rjs330 · Wednesday at 7:19 AM

FreeinChrist said:
It is Open Enrollment time so people are seeing what their premiums will be. My Medicare Advantage plan premium has significantly increased, but since I get what Arizona elected officials/ former elected officials on Medicare get, it is not bad.

But wow, for those who are not on Medicare, and have a family of three or more, the monthly cost is $1,848.00 per month! This is the amount for those in the Arizona schools systems, universities and colleges, work in the state prisons, and elected officials and I think the Department of Public Safety officers (like state police) will have to pay for medical insurance.

A single teacher, who may only make $50,000 a year, will have to pay at least $660/month for the 'economy' plan.

But hey, Trump is building a ballroom! It is his number one priority per Karoline Leavitt.

I haven't seen the Obamacare premiums yet which some family members will be using.

What is happening with your medical insurance?

Its gone up, every year. Nothing new here. Ever since the promises of Obama care its continued to climb. Still going up.

RDKirk · Wednesday at 7:19 AM

Larniavc said:
So even paying out each year you still have to pay per medical intervention?

"Oh, wait. You're already paying when you don't need it, and you have to pay even more when you need it?"

RDKirk · Wednesday at 7:20 AM

rjs330 said:
Its gone up, every year. Nothing new here. Ever since the promises of Obama care its continued to climb. Still going up.

What is the better Republican plan?

Let's not mention at the moment that Obamacare was a Republican plan.

A2SG · Wednesday at 8:02 AM

rjs330 said:
Its gone up, every year. Nothing new here. Ever since the promises of Obama care its continued to climb. Still going up.

Oh right, now I remember! Before the ACA, health insurance prices NEVER went up, they stayed exactly the same for years!

How quickly we forget.

RDKirk said:
What is the better Republican plan?

Let's not mention at the moment that Obamacare was a Republican plan.

They have concepts of a plan that I'm sure will be revealed any day now

-- A2SG, hold your breath, it might help....

So.....did your insurance premium go up?

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