Dec 15, 2020 actually that was last month for me. my works enrollment is by first week of November but thank you.
Dec 16, 2020 Open enrollment is for people who don't qualify for health plans through work and such or have a job that doesn't offer it (like for me, I'm a freelancer so I'm not technically employed by anyone to give me insurance). I've only ever had insurance through one job and I remember the deadline being a little earlier as well.
Dec 14, 2021 I’m still in the appeal process for an appointment from September 2020 that they told me on the phone i had coupons for so I went to the doctor and then I got the full bill and they said they actually don’t take coupons for that doctor
Dec 14, 2021 Dude you don’t even wanna know. With a $200ish self-employed/poor person tax credit I still pay $200-$250 a month. If I didn’t qualify for a tax credit it would be $400-$450 or so each month…and then I have to pay out of pocket for most things until I hit my deductible—which for 2022 is $2800, meaning they don’t start covering me for most s--- until I pay for $2800. Without the tax credit that’s over $8,000 to pay before they pay the big bucks. also this plan doesn’t cover dental OR vision. You need separate plans for that or pay for a way more expensive one that covers them all. It’s f-----.
Dec 14, 2021 Also: let’s say I’m above average intelligence for the USA (call it the 70th percentile). I have trouble navigating this system and there’s still 70% of the population who is dumber than me trying to figure out this system. I don’t know how regular citizens are supposed to navigate this. …well I mean the answer is that they’re not, they’re supposed to just get frustrated and pay cuz it’s easier
Dec 15, 2021 I’m willing to bet that 99% of Americans don’t fully understand how copay, coinsurance, deductible, and max-out-of-pocket work.
Dec 15, 2021 Facts. I only learned because of the 5 surgeries I had to have. Also made me realize most doctors offices take advantage of this lack of knowledge and over bill the f--- outta you.
Dec 15, 2021 Absolutely not. It’s something most people, myself included, figure out as they go. Also today I picked up a prescription and learned that insurance can decide my prescription costs $50 instead of $10 in the same calendar year even tho I’ve been paying $10 for it all year. Luckily the pharmacy had a coupon so it came out to $14 but they do this s--- cuz they know most people won’t say anything or even notice.
Dec 16, 2021 spoke w/ a physician a while ago who has had patients come back angry because their medication he prescribed costed ~$500. He was then upset because he could have just as easily ordered a different brand of the same medication and it would have costed the patient $10, but he has no way of knowing which insurance will cover which brands of medication... absolutely insane.
Dec 16, 2021 if you really want to have your pants blown off, look up "allowed amounts" or "contracts" between insurance companies and hospital organizations... ex: if you get a knee replacement and have aetna insurance, then it's a different price than if you were to have that same procedure at the same place with the same physician(s) if you have a different (ex: cigna) insurance. this is because each insurance payor/plan has a different contractual agreement for every procedure that takes place. i.e., the hospital says "hey aetna, the knee replacement costs $60,000" and aetna responds with, "nah, we'll give you $38,000" and that's that.
