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Old 11-01-2017, 01:43 PM   #1
Puggy625
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Our open enrollment starts today at work to make benefit changes. Health care premiums are going up 30%, just like every year since Nobamacare went into effect.
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Old 11-01-2017, 01:47 PM   #2
rcm719
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mine went up $200 a month, thats another $2376 a year.... at almost $750 a month I'm basically only getting paid for 3 outta 4 weeks in a month.
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Old 11-01-2017, 02:01 PM   #3
jlp04c
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I can break the news for everyone:

Premiums Significantly UP
Out of Pocket Maximums, UP
Coverages Down...
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Old 11-01-2017, 02:04 PM   #4
Capt.Brown
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Guys might want to look into medi-share, not for everyone but I like it
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Old 11-01-2017, 03:21 PM   #5
chongo
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We're on medi-share and are waiting for bills from my son's hospital stay/er trip. This will be the first time to use it other than office co-pays. If it works as it's supposed to, I shouldn't be out of pocket more than my AHP (deductible in ins. terms) which is 5k. My last insurance plan was $7500 going up to 10K when we canceled.

I think Midi-Share is more inline with what insurance was meant to be, not the mess that it is today.
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Old 11-01-2017, 03:25 PM   #6
rjtkdplus
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Guys might want to look into medi-share, not for everyone but I like it
We've been on this for 5 years. No complaints.
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Old 11-01-2017, 04:29 PM   #7
speck1
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Just got notice that my family plan is going up by 700$ a month. Hi deductible health insurance shouldn稚 be more than a home mortgage every month. Complete BS and I am a health care provider.
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Old 11-01-2017, 04:47 PM   #8
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For what I pay for a family of four I could have a nice boat, a new truck, helll... a nice nice house.
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Old 11-01-2017, 04:53 PM   #9
IowaHunter
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What has anyone done for the 26+ kid? Yes, we help our kid still. But I have no idea what to do for her.
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Old 11-01-2017, 04:57 PM   #10
CEO
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When we were getting my sons coverage set up before he was born and I was told he had to have dental insurance to qualify as fully covered, I knew we were all screwed.
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Old 11-01-2017, 05:00 PM   #11
texashunter56
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Last year mine went from around $460 to $770 and then up to $880 this year. I got an email last week saying "We've completed your request to change your policy as listed below:
PLAN CHANGE
Your monthly premium for your policy is now $ 879.94." I did not request a change in premium
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Old 11-01-2017, 05:04 PM   #12
Buckley99
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Still loving Samaritan Ministries!
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Old 11-01-2017, 05:13 PM   #13
topshot
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Originally Posted by Buckley99 View Post
Still loving Samaritan Ministries!
my folks have been with them (i used to as well) for many many years. i hear nothing but amazing things from that program. we may jump to that as a family this year as deductibles and out of pocket are up once again. i need a promotion just to pay for the increase in premiums lol
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Old 11-01-2017, 05:14 PM   #14
ladrones
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I went to a public comment meeting on changes that need to happen with Medicaid. The place was stacked with social justice activists upset with the state wanting to have Medicaid recipients pay small co-pays for some of the care they receive. They thought ten dollar copays was just to much of a burden on recipients. I was sitting there thinking I’m paying 1200 a month plus 9k in deductibles then whatever copays. The system is rigged.
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Old 11-01-2017, 05:16 PM   #15
panhandlehunter
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What has anyone done for the 26+ kid? Yes, we help our kid still. But I have no idea what to do for her.
I've been on my own since 18, at some point you have to cut the cord.
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Old 11-01-2017, 05:32 PM   #16
TreyRo
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Originally Posted by panhandlehunter View Post
I've been on my own since 18, at some point you have to cut the cord.
Lol...Good for you.

My parents supported my sister until she was 28-29.

But now she has lots of letters surrounding her name and supports them.

Different strokes.
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Old 11-01-2017, 05:55 PM   #17
TKK
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Originally Posted by chongo View Post
We're on medi-share and are waiting for bills from my son's hospital stay/er trip. This will be the first time to use it other than office co-pays. If it works as it's supposed to, I shouldn't be out of pocket more than my AHP (deductible in ins. terms) which is 5k. My last insurance plan was $7500 going up to 10K when we canceled.

I think Midi-Share is more inline with what insurance was meant to be, not the mess that it is today.
so if someone in your family has an accident of some sort and requires long term rehabilitation that runs into the millions - or one of you has a long term cancer or heart issue is medi-share going to pay into the millions? It happens on a regular basis - you are taking a massive risk if you have a catastrophic illness or injury

https://www.consumerreports.org/cro/...stry/index.htm

Last edited by TKK; 11-01-2017 at 06:03 PM.
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Old 11-01-2017, 06:13 PM   #18
OS_BRANDON
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Originally Posted by IowaHunter View Post
What has anyone done for the 26+ kid? Yes, we help our kid still. But I have no idea what to do for her.


Trying to figure out that myself. I just turned 26 and was diagnosed with cancer in Jan. Currently going through radiation treatments. Nobody can give me a good recommendation on what to do.


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Old 11-01-2017, 06:18 PM   #19
Hunter_Man
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After hearing all this I’m very happy I’m a federal employee. I pay around 360$ a month for a family plan that is a great plan. Recent surgery cost me 200$ out of pocket. I really feel for you guys.... that is rediculous.
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Old 11-01-2017, 07:16 PM   #20
PVDT
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Originally Posted by Hunter_Man View Post
After hearing all this I知 very happy I知 a federal employee. I pay around 360$ a month for a family plan that is a great plan. Recent surgery cost me 200$ out of pocket. I really feel for you guys.... that is rediculous.


...probably could've worded that a little differently.....like leave out the federal employee part with how low your insurance costs are.
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Old 11-01-2017, 07:21 PM   #21
Capt.Brown
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Originally Posted by TKK View Post
so if someone in your family has an accident of some sort and requires long term rehabilitation that runs into the millions - or one of you has a long term cancer or heart issue is medi-share going to pay into the millions? It happens on a regular basis - you are taking a massive risk if you have a catastrophic illness or injury

https://www.consumerreports.org/cro/...stry/index.htm
And your standard health insurance will????
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Old 11-01-2017, 07:41 PM   #22
Lawhunter
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Originally Posted by Hunter_Man View Post
After hearing all this I知 very happy I知 a federal employee. I pay around 360$ a month for a family plan that is a great plan. Recent surgery cost me 200$ out of pocket. I really feel for you guys.... that is rediculous.
Thanks for that
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Old 11-01-2017, 07:48 PM   #23
BertramBass
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[QUOTE=Hunter_Man;12883960]After hearing all this I知 very happy I知 a federal employee. I pay around 360$ a month for a family plan that is a great plan. Recent surgery cost me 200$ out of pocket. I really feel for you guys.... that is rediculous.[/QUOTE

Good to know someone benefits from my quarterly taxes...
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Old 11-01-2017, 07:55 PM   #24
Hunter_Man
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Sorry guys that sounded bad.... but I’m a veteran and in the IT field. I sacrificed the fact I could make double my salary working for a private IT firm and chose to stay serving our country for half the pay. Kinda like being in the military. Active duty military have pretty good benefits and crappy pay... just like me. I work on a military installation right along side the active guys and deploy with them.
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Old 11-01-2017, 09:02 PM   #25
CoolHandLuke
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Originally Posted by Hunter_Man View Post
After hearing all this I知 very happy I知 a federal employee. I pay around 360$ a month for a family plan that is a great plan. Recent surgery cost me 200$ out of pocket. I really feel for you guys.... that is rediculous.


You池e welcome!!!
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Old 11-01-2017, 09:22 PM   #26
MBV77
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Sorry guys that sounded bad.... but I知 a veteran and in the IT field. I sacrificed the fact I could make double my salary working for a private IT firm and chose to stay serving our country for half the pay. Kinda like being in the military. Active duty military have pretty good benefits and crappy pay... just like me. I work on a military installation right along side the active guys and deploy with them.


You're a veteran. You earned cheap lifetime insurance even if you weren't currently a federal employee. You don't owe anyone an apology.


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Old 11-01-2017, 09:24 PM   #27
Hunter_Man
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Thanks. I appreciate that! I wasn’t trying to offend anyone. I just had no idea that insurance costs were that high. In 2004 when I got out I worked for Lockheed Martin and coverage wasn’t that bad. I really no idea it was THAT high

Last edited by Hunter_Man; 11-01-2017 at 09:32 PM.
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Old 11-01-2017, 09:32 PM   #28
Buckley99
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Reminds me of when I started in sales and one of our ops guys would always throw out the comment, “must be nice being in sales”. For the first year, I just smiled and moved on. One day, the wrong day I might add, he started “must be nice...”. I stopped him and reminded him that this wasn’t a fiefdom and we weren’t born into our roles. We are all blessed to have the ability to choose the road we take.

Hunter_Man chose to pursue federal employment and it appears most of the others on here chose the private sector. I don’t take offense to his comment because we are all subject to taxation and if you want the same health care plan Hunter_Man is on, go work for the fed.

Some are concerned with holding on to more pieces of the pie, while others are concerned with baking a larger pie.
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Old 11-01-2017, 09:39 PM   #29
HogHunter34
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I can second the state or federal benefits. They may not match private sector salaries but it's a pay me later concept. My parents both retired from the state. Their insurance premiums during retirement cost $0/mo with great coverage. In fact my mother went through cancer diagnosis & treatment & insurance paid out 100%.
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Old 11-01-2017, 09:51 PM   #30
TKK
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Originally Posted by Capt.Brown View Post
And your standard health insurance will????
yes it will - I have been in the health insurance business for 38 years - have personally seen many many multi million dollar claims paid. Pre mature babies and on and on - so again the answer is yes
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Old 11-02-2017, 01:02 AM   #31
Kodiakk
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I'm going to my meetings in the morning. Hopefully they won't be jumping as high as others here. I took a huge hit last year. Screw Obama, hate that piece of trash.
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Old 11-02-2017, 10:09 AM   #32
rvd
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Originally Posted by Buckley99 View Post
Still loving Samaritan Ministries!
When you go for a routine Dr visit (sinus infection etc) do you pay anything out of pocket?
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Old 11-02-2017, 10:20 AM   #33
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Originally Posted by rvd View Post
When you go for a routine Dr visit (sinus infection etc) do you pay anything out of pocket?
Probably pays it all out of pocket, for a visit like you described
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Old 11-02-2017, 10:39 AM   #34
COACH_EM_UP
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Originally Posted by OS_BRANDON View Post
Trying to figure out that myself. I just turned 26 and was diagnosed with cancer in Jan. Currently going through radiation treatments. Nobody can give me a good recommendation on what to do.


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Prayers and PM sent.
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Old 11-02-2017, 10:39 AM   #35
Buckley99
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Originally Posted by rvd View Post
When you go for a routine Dr visit (sinus infection etc) do you pay anything out of pocket?
With a cash discount, it typically cost me around what I used to pay in copays (+/- $10).
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Old 11-02-2017, 10:41 AM   #36
jmeghunts
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yes it will - I have been in the health insurance business for 38 years - have personally seen many many multi million dollar claims paid. Pre mature babies and on and on - so again the answer is yes
I just looked at the Samaritan plan that was mentioned above. It caps at $236,500 per "incident". Cancer or a bad fall from a tree stand could go well over that amount. I love the sharing concept but I don't want to roll the dice on a max pay out per illness.
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Old 11-02-2017, 10:45 AM   #37
TKK
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I just looked at the Samaritan plan that was mentioned above. It caps at $236,500 per "incident". Cancer or a bad fall from a tree stand could go well over that amount. I love the sharing concept but I don't want to roll the dice on a max pay out per illness.
Exactly - in todays world a claim can go past a quarter million dollars in no time - I see it on a regular basis on the group policies I write.

There are prescription drugs now days that can cost over $10,000 per month

Last edited by TKK; 11-02-2017 at 10:47 AM.
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Old 11-02-2017, 10:52 AM   #38
meltingfeather
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Originally Posted by Puggy625 View Post
Our open enrollment starts today at work to make benefit changes. Health care premiums are going up 30%, just like every year since Nobamacare went into effect.
our premiums were skyrocketing before ACA
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Old 11-02-2017, 11:29 AM   #39
RiverRat1
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our premiums were skyrocketing before ACA
They were?

We have Medi-share. Good so far.

Is there a max out of pocket with regular insurance? Most plans are 80/20 so you rack up a million dollar bill and you're screwed anyway.

The racket is how much they charge. I had simple blood work done 3 weeks ago and saw the invoice. Over $900 I paid out of pocket for years and never paid over $150 but now it's $900 and no one sees the problem?

As long as honest hard working people keep paying these crazy premiums I bet they keep raising them.
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Old 11-02-2017, 11:31 AM   #40
Johnny Dangerr
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Wife and I pay the same as a small lake house and a small beech house would cost a month. Another 30% raise would be horrible and it would be a third house added to the list. As we get closer to Medicaid they are killing us..........
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Old 11-02-2017, 11:49 AM   #41
Part Timer
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can anyone explain or PM about medi share before i give them all my info just to see what its about. Can you go to any doctor, how does a trip to urgent care work? I dont even like saying how much i pay a month out loud. I still have BCBS PPO though, so i feel like im trapped and need to keep good ins.

Last edited by Part Timer; 11-02-2017 at 11:54 AM.
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Old 11-02-2017, 11:51 AM   #42
Froggy
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I feel for you guys that are paying such high premiums, co-pays and deductibles.

My wife and I are blessed. I'm a retired federal employee also. I pay approx. $250/month for the wife and I. I kept my GEHA plan when I retired. Once we both turned 65, Medicare kicked in. We now have no co-pays or deductibles and can see any doctor or specialist at no cost.

I'm also a Nam Vet with a 80% disability rating so I receive free health care and prescriptions for life.

I don't see how young folks now are making it.
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Old 11-02-2017, 12:16 PM   #43
hogslayer78
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I just got out of our yearly ins meeting. I will paying $300 bi weekly, so $600 per month for the family for United Health Care. I guess it could be worse!
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Old 11-02-2017, 12:17 PM   #44
rvd
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Quote:
Originally Posted by Buckley99 View Post
With a cash discount, it typically cost me around what I used to pay in copays (+/- $10).
Thanks for the info!
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Old 11-02-2017, 12:17 PM   #45
double bogey
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Do not scrimp on your health insurance. Last year I had a hospital bill for $658,000 in February. I now have treatments every 2 weeks that bill at $15,000 each. Without good medical coverage my family would be financially ruined, and I would be dead or dying.

Problem I see with costs escalating is services raise costs to make up for lower payments, insurance raises rates. Insurance companies and med services are all about making money, someone has to pay for it.
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Old 11-02-2017, 12:40 PM   #46
J_Foster
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I'm looking at about $4k more in 2018 for the exact same coverage as this past year. The life of a train-hoppin' Hobo becomes more appealing every day!
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Old 11-02-2017, 12:45 PM   #47
gingib
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Originally Posted by IowaHunter View Post
What has anyone done for the 26+ kid? Yes, we help our kid still. But I have no idea what to do for her.
Thats part of the problem IMO
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Old 11-02-2017, 12:47 PM   #48
gingib
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Originally Posted by jmeghunts View Post
I just looked at the Samaritan plan that was mentioned above. It caps at $236,500 per "incident". Cancer or a bad fall from a tree stand could go well over that amount. I love the sharing concept but I don't want to roll the dice on a max pay out per illness.
Exactly! Not worth the risk
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Old 11-02-2017, 01:10 PM   #49
jlp04c
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Some "share" programs do not have a cap, or they will cap on lower banded plans, and uncap the more premium ones.. Either way it can be a good value IF, and that's a big IF, you fit the criteria... It would NOT be suitable for somebody that currently has health issues etc. DO YOUR RESEARCH, and PROCEED WITH CAUTION.
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Old 11-02-2017, 02:33 PM   #50
IowaHunter
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Thats part of the problem IMO
What is part of the problem?
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