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Fri Dec 29, 2017, 09:31 AM

 

I finally got health insurance

only because I got a full time job. It was tough going two years without insurance and for those of you who don't have insurance did you know
1. Dr. office visits are 40% off if you don't have insurance
2. Lab work is also 40% off too
3. Emergency room is also 40% off

I'm not sure if this is universal. I didn't know it until I started racking up health bills then I got that call from UCONN looking for their money. Once the person on the other end of the phone realized I was without insurance he lowered all my bills by 40%

I also ate differently (these things I hope to continue) and took herbs. When I felt sick I would google different foods and herbs to prevent my sickness from getting worse.

maybe this will help someone not insured.

38 replies, 6154 views

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Arrow 38 replies Author Time Post
Reply I finally got health insurance (Original post)
burnbaby Dec 2017 OP
marble falls Dec 2017 #1
burnbaby Dec 2017 #2
PragmaticDem Dec 2017 #3
burnbaby Dec 2017 #4
PragmaticDem Dec 2017 #5
marble falls Dec 2017 #8
burnbaby Dec 2017 #9
marble falls Dec 2017 #14
Anny61 Dec 2017 #24
Merlot Dec 2017 #28
jpak Dec 2017 #11
burnbaby Dec 2017 #12
Maeve Dec 2017 #16
Cryptoad Dec 2017 #35
progree Dec 2017 #6
Scarsdale Dec 2017 #15
SammyWinstonJack Dec 2017 #19
dumbcat Dec 2017 #20
Saviolo Dec 2017 #22
pangaia Dec 2017 #27
Scarsdale Dec 2017 #36
SammyWinstonJack Dec 2017 #7
burnbaby Dec 2017 #10
SammyWinstonJack Dec 2017 #17
Glorfindel Dec 2017 #13
SammyWinstonJack Dec 2017 #18
pangaia Dec 2017 #29
SammyWinstonJack Dec 2017 #37
Victor_c3 Dec 2017 #21
Omaha Steve Dec 2017 #23
dembotoz Dec 2017 #25
IronLionZion Dec 2017 #26
Merlot Dec 2017 #30
burnbaby Dec 2017 #32
Merlot Dec 2017 #33
progree Dec 2017 #38
Name removed Dec 2017 #31
elmac Dec 2017 #34

Response to burnbaby (Original post)

Fri Dec 29, 2017, 09:38 AM

1. Not having to worry about being uninsured will make a major improvement to your health, too....

Hospital prices are not carved in stone, you can still argue for reduced deductible exposure and any contribution your insurance requires you to pay for your visits. A lot of Doctors will waive your portion of the office visits, too.

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Response to marble falls (Reply #1)

Fri Dec 29, 2017, 09:45 AM

2. I wish I had known

 

these sorts of things during my being uninsured. I only went to the Dr. or hospital when it was an emergency, but had I have known what you just said I would have done my yearly exams

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Response to burnbaby (Original post)

Fri Dec 29, 2017, 09:48 AM

3. I just signed up with Obamacare.

 

Congrats on getting insurance!

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Response to PragmaticDem (Reply #3)

Fri Dec 29, 2017, 09:50 AM

4. I couldn't afford ACA

 

they wanted $800 a month with a 7500 deductible. Glad it is working for you

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Response to burnbaby (Reply #4)

Fri Dec 29, 2017, 09:50 AM

5. Wow that is a lot!

 

And thanks!

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Response to burnbaby (Reply #4)

Fri Dec 29, 2017, 09:58 AM

8. That's truly shocking. My sister got quotes like that but she's a self employed attorney who does..

make a good living.

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Response to marble falls (Reply #8)

Fri Dec 29, 2017, 10:01 AM

9. they base it off of your salary

 

so while I was contracting the money was good and if I could have sustained permanent contracts I could understand the amount. It was never taken under consideration when I wasn't working and had no income

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Response to burnbaby (Reply #9)

Fri Dec 29, 2017, 10:16 AM

14. Like my sister. She stayed with the insurance she had because the duductable was lower and no co-pay

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Response to burnbaby (Reply #9)

Fri Dec 29, 2017, 11:16 AM

24. You estimate your yearly income and adjust payment accordingly, from what I have seen.

 

But $800. a month suggests it is for more than one person, too. Was it only for you?

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Response to burnbaby (Reply #9)

Fri Dec 29, 2017, 11:52 AM

28. When your income goes down the subsidy goes up.

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Response to burnbaby (Reply #4)

Fri Dec 29, 2017, 10:06 AM

11. My ACA Silver premium is $125 a month with a $2500 deductible

??????

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Response to jpak (Reply #11)

Fri Dec 29, 2017, 10:08 AM

12. congrats to you

 

that's even better than my work health insurance

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Response to jpak (Reply #11)

Fri Dec 29, 2017, 10:23 AM

16. So much depends on where you live

As well as your income and age--in Central Ohio for '18, my choices were all HMOs--choose which hospital system you want to use. We chose a Bronze for $89 a month for the two of us, but higher deductible and out-of-pocket max (we hit that this year in a different plan with one emergency surgery). With luck, we won't need much and can pay down this year's expenses.

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Response to burnbaby (Reply #4)

Fri Dec 29, 2017, 12:29 PM

35. Welcome to DU,,,,,Comrade!

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Response to burnbaby (Original post)

Fri Dec 29, 2017, 09:54 AM

6. Google this: hospital rates for uninsured

as an example of how they gouge the uninsured.

Medical providers have lots of prices, so a 40% discount to something that is way more than what insurance companies are charged is not a bargain.

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Response to progree (Reply #6)

Fri Dec 29, 2017, 10:23 AM

15. Is this a great country

or what?? I just got a raise on my Social Security. A whole $11 a month. What should I blow it on? Oh, yes, my house payment went up $60 a month so there is that. The fight for universal health care would be fantastic. Other countries manage it for their citizens, why not the USA?

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Response to Scarsdale (Reply #15)

Fri Dec 29, 2017, 10:37 AM

19. Why not the USA? Greed. Power. Control. Mostly Greed.

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Response to Scarsdale (Reply #15)

Fri Dec 29, 2017, 10:58 AM

20. How did your house payment go up $60/mo ?

That's $720/yr. Did your house insurance or property tax go up that much? That's a lot.

And my Soc. Sec. raise went entirely to my Medicare premium, but I still have to pay fed income tax on 85% of the increase that I didn't get.

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Response to Scarsdale (Reply #15)

Fri Dec 29, 2017, 11:05 AM

22. Free market solution blah blah blah blah

Too many American politicians read both Ayn Rand and Adam Smith, embraced the first, and did not understand the second in any way whatsoever, so of course they all worship "rugged individuality" in the form of deregulation and their favourite catch-phrase "free market solutions." Because health care for all would be akin to slavery, y'see. You'd be forcing doctors work for you without pay, and that's just as good as stealing! And I can't believe that's the actual right-wing talking point about this, because that is so disingenuous on the face of it, I can't believe anyone says it with a straight face, but:

https://www.politico.com/story/2011/05/paul-right-to-health-care-is-slavery-054769

“With regard to the idea whether or not you have a right to health care you have to realize what that implies. I am a physician. You have a right to come to my house and conscript me. It means you believe in slavery. You are going to enslave not only me but the janitor at my hospital, the person who cleans my office, the assistants, the nurses. … You are basically saying you believe in slavery,” said Paul (R-Ky.), who is an ophthalmologist.


Truth of the matter is, regulation can spur innovation. This has been floating around on my Twitter feed lately:




In US, average MRI costs $1k. In Japan, it’s set at $105 by the government and providers compete on margin. This led providers to go to Toshiba and demand an inexpensive MRI scanner. MRI scanners in Japan now cost $150k, 10% of the cost in the US. Regulation drove innovation.

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Response to Scarsdale (Reply #15)

Fri Dec 29, 2017, 11:52 AM

27. I got the exact same SS 'raise' LOL

Why did your house payment go up? If you own, do you have a variable rate mortgage?

Or did rent go up?

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Response to pangaia (Reply #27)

Fri Dec 29, 2017, 12:35 PM

36. My HARP mortgage

ended. So, the interest rate increased.

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Response to burnbaby (Original post)

Fri Dec 29, 2017, 09:55 AM

7. I haven't had health insurance in nine yrs. Luckily, I also haven't

been sick nor have I had any injuries. Of course I also haven't had any checkups or exams in that time either, so there's that. I am eligible for Medicare in March but if the REPUBLICANS are going to end that or turn into a voucher program not sure if I should even bother.

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Response to SammyWinstonJack (Reply #7)

Fri Dec 29, 2017, 10:06 AM

10. wow

 

I was very concerned about not getting my annual check ups. I'm afraid now for when I go.

No one is going to do anything with Medicare, is my thought. If republicans try and touch it no one would ever vote for them.

I started working in the early 80s and have been hearing SS is going away Medicare is going away. I think when you hear the same things for a few decades eventually you just stop believing in it

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Response to burnbaby (Reply #10)

Fri Dec 29, 2017, 10:23 AM

17. I'm sure I'll sign up for it, I'm just a little hesitant, because Republicans.

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Response to SammyWinstonJack (Reply #7)

Fri Dec 29, 2017, 10:10 AM

13. You should bother. Medicare is great. At least get "grandfathered" in to it.

Even the pukes won't end Medicare in three months. If it does turn into a voucher program, it will probably be for new participants, not for existing accounts.

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Response to Glorfindel (Reply #13)

Fri Dec 29, 2017, 10:25 AM

18. My husband has Medicare and it paid for all of his radiation treatments

for prostate cancer. I know how great it is....for now.

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Response to SammyWinstonJack (Reply #7)

Fri Dec 29, 2017, 11:52 AM

29. YES, do 'bother.'


Just my suggestion...

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Response to pangaia (Reply #29)

Fri Dec 29, 2017, 06:13 PM

37. I will. I am lucky to be eligible. Didn't mean to sound otherwise.

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Response to burnbaby (Original post)

Fri Dec 29, 2017, 11:04 AM

21. Glad to hear it

I always thought that health insurance being linked to employment with certain employers was an absurd idea.

Disconnect the two and thing will be easier and better for both business and the people.

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Response to burnbaby (Original post)

Fri Dec 29, 2017, 11:08 AM

23. K&R!


OS

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Response to burnbaby (Original post)

Fri Dec 29, 2017, 11:22 AM

25. they sure as fuck don't give that discount to all...

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Response to burnbaby (Original post)

Fri Dec 29, 2017, 11:29 AM

26. Congrats on the job and the health insurance!

I've been there recently. It's rough. Googling home remedies for stuff because I couldn't afford a doctor or prescriptions. Trying to cook vegetables and exercise between bouts of sitting at home feeling frustrated with my life.

It's tough but very important to keep a positive attitude.



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Response to burnbaby (Original post)

Fri Dec 29, 2017, 12:00 PM

30. 40% off is not a rule, you got a break

Each doctors office, hospital or collection agency will determine how much they will accept as payment, and some won't budge on the amount.

I once asked a specialist if they would reduce the price because I was uninsured and they said if they did that the insurance company would drop them as a provider.

And being uninsured, you're paying such jacked up prices that 40% off is probably still not as low as an insured person would pay. Plus, the insured person is only paying a percentage, the insurance company pays the rest.

Suggesting that you can get an automatic discount because you're uninsured is as irresponsible as the repubs who say just go to the emergency room, it's freeeeee! That debt can and will follow you for life.

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Response to Merlot (Reply #30)

Fri Dec 29, 2017, 12:09 PM

32. please don't associate

 

me with repubs, and if you read my full post I did state

I'm not sure if this is universal. I didn't know it until I started racking up health bills then I got that call from UCONN looking for their money. Once the person on the other end of the phone realized I was without insurance he lowered all my bills by 40%

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Response to burnbaby (Reply #32)

Fri Dec 29, 2017, 12:16 PM

33. I wasn't associating you with repubs

I did read your post. Just becasue you got a deal from UCONN doesn't mean that everyone else will. Also, what if your medical bills had been a million dollars and you go a 40% discount, would $600K be an ok amount?

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Response to Merlot (Reply #33)

Fri Dec 29, 2017, 11:07 PM

38. "would $600K be an ok amount?". Anything less than a million is just an accounting annoyance to me

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Response to burnbaby (Original post)


Response to burnbaby (Original post)

Fri Dec 29, 2017, 12:19 PM

34. I was charged about 10 times what insurance companies are charged

 

for an e room visit back in 2011. I looked it up. I understand that this is the norm, if uninsured they can charge whatever their hearts desire. Don't expect much help from DR or hospitals. Best bet is to get care through clinics, most charge on what you can afford.

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