Current Events > Thinking about seeing a doctor...*sees estimated out of pocket cost $231*

(+) Yeah! (+)

Why the fuck is it like this now? I know what it's going to be too. I show up, they look at me for 10 min. Either prescribe some medicine that will only fix the symptom or say oh you'll be ok.
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what kind of insurance policy do you have?

because America is fucked
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$80 in Aus but the government pays half so its only $40.

Must suck living in a pleb country like the US.
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CharlesBronson posted...

what kind of insurance policy do you have?

I have a high deductible plan because I want to pay less, but I still end up paying $88 a month.
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Squall28 posted...

CharlesBronson posted...

what kind of insurance policy do you have?

I have a high deductible plan because I want to pay less, but I still end up paying $88 a month.

the best health plan is a HDHP with HSA it's like getting a 25% discount on all healthcare costs

Thanks Obama
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Remember that this is the way America wants to do healthcare.

Good luck.
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CharlesBronson posted...

the best health plan is a HDHP with HSA it's like getting a 25% discount on all healthcare costs

HDHPs and HSAs are just a way for employers to shift the growing cost of healthcare onto their employees, actually.

It is true that you get tax benefits from using an HSA, though.
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Urgent care clinic are usually $70. Try those? >_>
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imagine living in a country where you have to pay for health care
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HDHPs are stupid. Get traditional so you can actually afford to go to the doctor.
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ktownslayer16 posted...

imagine living in a country where you have to pay for health care

lol imagine living in a country wear you have to wait months to see a doctor
Abyssea posted...

HDHPs are stupid. Get traditional so you can actually afford to go to the doctor.

think before you speak I haven't been to a doctor since 1995 why should I pay a high premium for health coverage i'm not going to use plus it's not that expensive to see a doctor once in a while

I was actually scheduled for a colonoscopy, but it turns out my insurance doesn't cover this particular preventative exam until like 50, so it was going to be 500. Hope I don't have cancer.
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CharlesBronson posted...

think before you speak I haven't been to a doctor since 1995 why should I pay a high premium for health coverage i'm not going to use plus it's not that expensive to see a doctor once in a while

In case your health goes to shit, that's why you call it health insurance.
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CharlesBronson posted...

ktownslayer16 posted...

imagine living in a country where you have to pay for health care

lol imagine living in a country wear you have to wait months to see a doctor
Abyssea posted...

HDHPs are stupid. Get traditional so you can actually afford to go to the doctor.

think before you speak I haven't been to a doctor since 1995 why should I pay a high premium for health coverage i'm not going to use plus it's not that expensive to see a doctor once in a while

So when you get into a car accident you aren't bankrupted completely, which it appears you will be. Better be safe cause fuck health insurance that's good!

On topic, my office visits are $30 max, with a $500 out of pocket maximum per year. Doctor visits and prescriptions go towards that deductible. Specialists and urgent care are $50 out of pocket. Out of network out of pocket maximum is also only $2000. I pay $42 per paycheck for it. Sounds like wherever you get your health insurance they are screwing you over and are forcing you to pay the burden of it. My company touts the healthcare plan as a reason to work here (and why the wages are shit).
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Abyssea posted...

HDHPs are stupid. Get traditional so you can actually afford to go to the doctor.

They problem is that they look good up front; lower premiums, and you can sock away money tax free for use later. Plus a lot of companies (mine included) contribute money to your HSA in order to get you to switch.

But in reality I never want to go for the doctor for anything other than my free physical, because I have to pay a ton of money each time. It's basically behavioral economics at work, and I don't think it will have good long term outcomes.
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Balrog0 posted...

CharlesBronson posted...

the best health plan is a HDHP with HSA it's like getting a 25% discount on all healthcare costs

HDHPs and HSAs are just a way for employers to shift the growing cost of healthcare onto their employees, actually.

It is true that you get tax benefits from using an HSA, though.

HSA's are a complete scam if you actually have health concerns or children. Lord forbid your 11 year old break two bones in a year. You're fucked. Speaking from experience.
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ColdOne666 posted...

Must suck living in a pleb country like the US.

It does unless you're a rich healthy straight white male
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Abyssea posted...

CharlesBronson posted...

think before you speak I haven't been to a doctor since 1995 why should I pay a high premium for health coverage i'm not going to use plus it's not that expensive to see a doctor once in a while

In case your health goes to shit, that's why you call it health insurance.

lol a HDHP is health insurance dummy

Kaldrenthebold posted...

So when you get into a car accident you aren't bankrupted completely, which it appears you will be. Better be safe cause f*** health insurance that's good!

lol how do you figure? I have enough in my HSA to cover my out of pocket maximum

CharlesBronson posted...

Kaldrenthebold posted...

So when you get into a car accident you aren't bankrupted completely, which it appears you will be. Better be safe cause f*** health insurance that's good!

lol how do you figure? I have enough in my HSA to cover my out of pocket maximum

they why can't your ass afford to pay for a doctor visit?
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Abyssea posted...

CharlesBronson posted...

Kaldrenthebold posted...

So when you get into a car accident you aren't bankrupted completely, which it appears you will be. Better be safe cause f*** health insurance that's good!

lol how do you figure? I have enough in my HSA to cover my out of pocket maximum

they why can't your ass afford to pay for a doctor visit?

when did I say I couldn't afford to see a doctor?

CharlesBronson posted...

Abyssea posted...

CharlesBronson posted...

Kaldrenthebold posted...

So when you get into a car accident you aren't bankrupted completely, which it appears you will be. Better be safe cause f*** health insurance that's good!

lol how do you figure? I have enough in my HSA to cover my out of pocket maximum

they why can't your ass afford to pay for a doctor visit?

when did I say I couldn't afford to see a doctor?

oh, I'm sorry, I thought you were TC. TC's broke ass can't afford to go to the doctor because of his shitty insurance.
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HDHPs is the worst. That's what I have right now because I'm in my early 20s and I think I'm fucking invincible. I had to schedule a doc appointment on the 1st of August that will probably run me $300+.

Just get a traditional plan. You never know what will happen. Insurance is a fucking scam but I'd rather get fucked gently throughout the year than completely demolished one day.
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Squall28 posted...

CharlesBronson posted...

what kind of insurance policy do you have?

I have a high deductible plan because I want to pay less, but I still end up paying $88 a month.

>HDHP
>Doesn't understand how the plan works but chooses to enroll in it and complain about how they are charged for medical care
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Smashingpmkns posted...

HDHPs is the worst. That's what I have right now because I'm in my early 20s and I think I'm fucking invincible. I had to schedule a doc appointment on the 1st of August that will probably run me $300+.

Just get a traditional plan. You never know what will happen. Insurance is a fucking scam but I'd rather get fucked gently throughout the year than completely demolished one day.

Do you have an HSA to go with it? The tax savings would have paid for several doctors appointments. It's like free money.

CharlesBronson posted...

Smashingpmkns posted...

HDHPs is the worst. That's what I have right now because I'm in my early 20s and I think I'm fucking invincible. I had to schedule a doc appointment on the 1st of August that will probably run me $300+.

Just get a traditional plan. You never know what will happen. Insurance is a fucking scam but I'd rather get fucked gently throughout the year than completely demolished one day.

Do you have an HSA to go with it? The tax savings would have paid for several doctors appointments. It's like free money.

Yeah you have to factor in the difference in premiums between the two, how often you go to doctors in a typical year, HSA contributions made by your employer and your own HSA contributions. If you're young and healthy odds are you will be better off with a HDHP.
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Wow $88/mo is freaking great.

I used to pay $400/mo and that was after benefits.
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The entire concept of insurance only works when a sizable portion of the insured will never cash in on their insurance. Home owners, cars, boats, etc.

Since literally everyone will need health care, health insurance as a whole is not sustainable.
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And this is how @Coffeebeanz pays for her collection of Audi Q8s !
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SK8T3R215 posted...

Yeah you have to factor in the difference in premiums between the two, how often you go to doctors in a typical year, HSA contributions made by your employer and your own HSA contributions. If you're young and healthy odds are you will be better off with a HDHP.

It's highly variable, but on average, Yyu usually only need one unexpected medical expense for the premium savings from selecting a HDHP to be wiped out.

To be fair, the calculation is different for people with a spouse and kids, but they also expect to have medical expenses more regularly.
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DarthWendy posted...

And this is how @Coffeebeanz pays for her collection of Audi Q8s !

My car is literally from the mid-90s and the tape deck is broken. As is the air conditioner.
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Coffeebeanz posted...

DarthWendy posted...

And this is how @Coffeebeanz pays for her collection of Audi Q8s !

My car is literally from the mid-90s and the tape deck is broken. As is the air conditioner.

Aha ! So the potential Audis went into the pair of solid gold LION statues marking the entrance of the 2 km private forest road leading to the castle then, it seems :p
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Balrog0 posted...

It's highly variable, but on average, Yyu usually only need one unexpected medical expense for the premium savings from selecting a HDHP to be wiped out.

To be fair, the calculation is different for people with a spouse and kids, but they also expect to have medical expenses more regularly.

Which if you're young and healthy would be a rare occurance overall and after years of saving on premiums and HSA contributions those would cover the unexpected medical expense up to your out of pocket max most likely depending on the cost differences.

If you're a family yeah it probably won't make sense to be on a HDHP.
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It's a net gain for me overall because I almost never go to the doctor, and if I do I use the $1k they give to our HSA. It just sucks if there's something I want to get checked out.
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