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LiberalEsto

(22,845 posts)

14. I like that. Uniform prices make sense

Tue Jan 28, 2014, 11:42 AM

Jan 2014

and a single payer system in the U.S. would make even more sense

I'm sick of looking at these insurance companies and their cutely named categories like Optimum Silver, Optimum Gold, Optimum Platinum, Optimum Plutonium, Optimum Silver Choice, Optimum Silver Choice Plus, Optimum Silver Choice Plus Premium, etc etc etc and trying to guess which one will screw us the least financially.

Each company has several dozen completely different nicknames for their scams -- I mean plans -- and it is impossible to guess how to compare a plan like Optimum Plutonium Choice Plus at one company with another company's categories like YourPlus, YourPlusFirst, YourPlusFirstOption, YourPlusFirstOptionXtra, etc. and maybe a third company's PurpleOne, PurpleOneSuper, PurpleOneSuperExtra, PurpleOneJumboExtra, and so on.

Of course this is done on purpose to make it virtually impossible to sift through the cutesy names to find one that would actually make economic sense for one's needs, IF such an option exists.

I hate insurance companies.

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We've just been royally screwed by my husband's employer and health insurance co. [View all] LiberalEsto Jan 2014 OP

That's messed up. Loryn Jan 2014 #1

I've had an HDHP for several years, by choice. denverbill Jan 2014 #2

I was already getting all generics on the prescriptions LiberalEsto Jan 2014 #4

Yes I can understand the shock. My wife was pretty shocked at hers as well. denverbill Jan 2014 #6

Depending on your situation, the HSA isn't such a bad deal. The Velveteen Ocelot Jan 2014 #3

I have no doubt that some employers used Obamacare TexasBushwhacker Jan 2014 #5

Our company has given us until 1/31 to make changes to our plans. Not so with your husband's? Tuesday Afternoon Jan 2014 #7

Just spoke to my husband - it looks like the company pulled a fast one on everybody LiberalEsto Jan 2014 #8

Maybe 'everybody' would be interested in some action elleng Jan 2014 #23

Ouch. Insurance companies and prescription providers take advantage of plans where there's an HSA. haele Jan 2014 #9

This may have been the default option if you did NOT choose another plan. alarimer Jan 2014 #10

We were not communicated with adequately LiberalEsto Jan 2014 #11

I own a small company (an S-corp) discntnt_irny_srcsm Jan 2014 #12

There needs to be price-leveling for group plans. dawg Jan 2014 #13

I like that. Uniform prices make sense LiberalEsto Jan 2014 #14

I would like to remind you that U.S. health insurance companies do not contribute Enthusiast Jan 2014 #34

^^^ this! Agreed! discntnt_irny_srcsm Jan 2014 #15

Small business ought to be hammering for single-payer. hunter Jan 2014 #18

prescriptions for lots of things went up like crazy a couple of months ago Kali Jan 2014 #16

I suspect this is their "You want the ACA? Okay, we'll give you the ACA...OUR way" LiberalEsto Jan 2014 #17

They carry levothyroxine on the $4 list. Blue Diadem Jan 2014 #20

That's about what I pay for it, elleng Jan 2014 #24

You should get negotiated pricing for the Dr. visits, lab etc. Blue Diadem Jan 2014 #19

the main benefit of an HSA account NewJeffCT Jan 2014 #21

We don't have a health savings account because we didn't know about the change LiberalEsto Jan 2014 #22

How big is his company? NewJeffCT Jan 2014 #25

It is a big international company LiberalEsto Jan 2014 #27

A big international company NewJeffCT Jan 2014 #29

Suze Orman recommends Health Savings Accounts very highly, for No Vested Interest Jan 2014 #31

IIRC, Suze Orman recommends funding the HSA fully at the beginning of the year, if possible. No Vested Interest Jan 2014 #32

Regarding the prescriptions, I'm already on generics for everything LiberalEsto Jan 2014 #33

Suze Orman is a right wing corporate mouthpiece. I have zero respect for Suze Orman. Enthusiast Jan 2014 #35

Sorry to hear of your troubles but HSA are of good value LynneSin Jan 2014 #26

We both have chronic medical conditions that require a number of prescriptions LiberalEsto Jan 2014 #28

Seems the quick answer on setting up a HSA whistler162 Jan 2014 #30