Americans: Wed Dec. 15th is the last day to get health insurance during open enrollment for 2022

Started by DKC, Dec 13, 2020, in Life Add to Reading List

  1. eddie313
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    eddie313 MUSIC TO BE MURDERED BY

    Dec 15, 2020
    Thanks
     
    #21
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  2. King of Kings
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    King of Kings Who Dey

    Dec 15, 2020
    actually that was last month for me. my works enrollment is by first week of November but thank you.
     
    #22
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  3. DKC
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    DKC admin of SXN80, notorious marxist messageboard

    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.
     
    #23
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  4. DKC
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    DKC admin of SXN80, notorious marxist messageboard

    Dec 13, 2021
    bump
     
    #24
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  5. Worm
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    Worm Big Perm Big Worm

    Dec 13, 2021
    Americans don't have health insurance. we have health coupon subscriptions
     
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  6. DKC
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    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
     
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  7. DKC
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    DKC admin of SXN80, notorious marxist messageboard

    Dec 14, 2021
    Also their UI is trash, worse than 2015 TIDAL
     
    #27
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  8. Worm
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    Worm Big Perm Big Worm

    Dec 14, 2021
    health coupons are woat
     
    #28
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  9. icecube
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    icecube West Coast is the Best Coast

    Dec 14, 2021
    As a British person, nothing confuses me more than the American healthcare system.
     
    Aug 7, 2022
  10. Worm
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    Worm Big Perm Big Worm

    Dec 14, 2021
    Don't worry, it probably confuses us more
     
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  11. DKC
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    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-----.
     
    #31
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  12. DKC
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    DKC admin of SXN80, notorious marxist messageboard

    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
     
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  13. reservoirGod
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    reservoirGod reckless adventurer.

    Dec 14, 2021
    I got one of them Union "Cadillac" plans I never use but for the dental.
     
    #33
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  14. DKC
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    DKC admin of SXN80, notorious marxist messageboard

    Dec 14, 2021
    we need to start a poster's union
     
    #34
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  15. Slyk
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    Slyk God made a prophet.

    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.
     
    Aug 7, 2022
  16. Sign Language
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    Sign Language We miss you Screw

    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.
     
    Aug 7, 2022
  17. 0 likes
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    0 likes Banned

    Dec 15, 2021
    A truly terrifying thought...
     
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  18. DKC
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    DKC admin of SXN80, notorious marxist messageboard

    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.
     
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  19. Slyk
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    Slyk God made a prophet.

    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.
     
    #39
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  20. Slyk
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    Slyk God made a prophet.

    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.
     
    #40
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