My son’s health insurance renewal

[Classic Daycruiser]

Just came in. He’s 19 years old. I’m just going to cancel his insurance since it’s not mandated anymore with the new tax reform. My best friend is a doctor and so is my brother. I don’t need to pay for office visits. Fuck this bullshit.

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Point your son in the direction of an Navy recruiter. Of coarse he'll have to qualify, but the benefits are great.

 

[GRADS]

I must have good insurance or something, when I had my little stay in the hospital earlier this year I think my total out of pocket cost was under $100

 

[RodnJen]

The real question is why is it $18k to stay one night. I’m not asking you, just in general... it is because that is why they bill insurance, (a marked up rate). It is a giant scam. Think of what happens when you take your car after an accident to a body shop and insurance is covering it. Take the same damage to another body shop that does not specialize in insureance work and tell them you are paying out of pocket.. it is generally cheaper.

I would almost assure you that if you had no insurance and actually paid out of pocket your stay would have been vastly cheaper... after fighting with them, pleading poverty, etc.

That's the problem right there. It is collusion between major health systems and insurance. It's about business not care.

 

[Bobby V]

I must have good insurance or something, when I had my little stay in the hospital earlier this year I think my total out of pocket cost was under $100

I don't understand all these extra fees either. My wife has had 3 minor surgeries, many doctors visits for dental, vision..I have had doctors visits and vision this year and haven't spent hardly anything? I know my chiropractor doesn't charge me the deductible.

 

[spectras only]

I have a question for you guys paying those premiums. When you have a family bundle, lets say $1200 per month. At taxation time, how much of this yearly amount of 14.400 is detuctible? Not much of anything is deductible in our tax system for medical. I know your taxation system is much better than our system where everything is hidden in ours. When I worked at Creo/Kodak, we had Blueshield, later switched to Sunlife. There was a $38 byweekly deduction from my paycheck for the coverage that was a good deal. Coverage was good for everything, sans dental. Now, wife and I are retired, our combined BC medical is $175 per month, without vision or dental coverage. Of course this cheap medical insurance comes with a price, hidden taxes every one is paying into and a lousy service compared to that of the US medical system offers, with high premiums, of course.

 

[JDKRXW]

I have a question for you guys paying those premiums. When you have a family bundle, lets say $1200 per month. At taxation time, how much of this yearly amount of 14.400 is detuctible? Not much of anything is deductible in our tax system for medical. I know your taxation system is much better than our system where everything is hidden in ours. When I worked at Creo/Kodak, we had Blueshield, later switched to Sunlife. There was a $38 byweekly deduction from my paycheck for the coverage that was a good deal. Coverage was good for everything, sans dental. Now, wife and I are retired, our combined BC medical is $175 per month, without vision or dental coverage. Of course this cheap medical insurance comes with a price, hidden taxes every one is paying into and a lousy service compared to that of the US medical system offers, with high premiums, of course.

I don't know why you you say 'not much of anything is deductible' --- every legitimate out of pocket payment related to health care is deductible, including travel costs if you're over a certain distance to a health facility you need.
I currently have Sunlife 'top up and travel insurance and I agree, it's pretty good..... and in Saskatchewan, there's NO additional health fees.
I work for a US based company that offers decent medical insurance and I used to agree with you about Canada having lousy service compared to what the US medical system offered -- but from what I see now, both with our company and what I am reading here and in other places -- I'll take my chances here in Saskatchewan.
The big problem used to be with wait times for treatment, but in the past 10 years, the provincial gov't has done a very good job in getting them under control.

 

[Singleton]

Another way to look at this.
When my step-son wrecked on his quad. Between the life flight, emergency surgery, second surgery, 10 days in ICO and then 5 additional days in the hospital, the total bill was over 278K. We paid our max out of pocket amount that year (5k) on top of the monthly premium for health insurance between that event and everything else that year.
To this day, I don’t complain about what I pay. Without my insurance my step-son would not be upstairs playing video games.

 

[Gelcoater]

I get that it's expensive, I also understand you have doctors in the family. But what if something serious happens? I stayed one night in the hospital this year and the bill was $18,000.

I'd say Yikes! but I'd believe it.
In 1996 my youngest had her first heart surgery.
Children's Hospital OrangeCounty.
NICU..$10,000 per day, for 11-12 days.
Plus the surgery and specialist costs.

There have been several times over the years where our family health insurance monthly payment was as much or slightly more than our mortgage.

 

[LargeOrangeFont]

Another way to look at this.
When my step-son wrecked on his quad. Between the life flight, emergency surgery, second surgery, 10 days in ICO and then 5 additional days in the hospital, the total bill was over 278K. We paid our max out of pocket amount that year (5k) on top of the monthly premium for health insurance between that event and everything else that year.
To this day, I don’t complain about what I pay. Without my insurance my step-son would not be upstairs playing video games.

I am with you, but that is exactly what an accident or catastrophic policy is supposed to cover. I am not saying that is the best for anyone's non adult kids, but if he was a young adult when that quad accident happened, a 5K deductible that your parents can spot you in a pinch is a lot better than going into debt a quarter mil/bankruptcy, etc. at 19 years old.

 

[nameisbond]

Here in Canada the tax system is messed up. For good overall healthcare you need a supplemental plan that you pay for. Dental here is very expensive, so the plan needs dental. Our taxes are set up that employee's pay for everything. As in its better to be a small business and work via that corporation VS having a job and work for a pension plan now. Now our hospitals send non life threatening cases to walk in clinics from emergency. Most doctors are run under their small corporation. You often see Dr. such and such LLC on the door.

 

[JDKRXW]

Another way to look at this.
When my step-son wrecked on his quad. Between the life flight, emergency surgery, second surgery, 10 days in ICO and then 5 additional days in the hospital, the total bill was over 278K. We paid our max out of pocket amount that year (5k) on top of the monthly premium for health insurance between that event and everything else that year.
To this day, I don’t complain about what I pay. Without my insurance my step-son would not be upstairs playing video games.

I completely understand what you're saying and I'm very glad your young guy (1) got the excellent care and top notch treatment he needed and (2) and most importantly - he'supstairs playing video games
The problem (and you can tell me to go to hell because I'm not in affected by this) is that nowhere else in the world would you're step-son's treatment have cost $18,500 per day. Granted.... in CA or AZ you're probably going to get treatment that's a good as anywhere in the world -- but the cost is totally out of control.
Just my opinion - but flame away.

 

[shintoooo]

Shin
Why are you not just keeping him on your insurance? Under current Health Care laws, you can keep your young adult on your health insurance even if they are filing their own taxes.

Young Adult Coverage. Under current law, if your plan covers children, you can now add or keep your children on your health insurance policy until they turn 26 years old. Children can join or remain on a parent's plan even if they are: Married, Not living with their parent, Attending school, Not financially dependent on their parents, Eligible to enroll in their employer’s plan

Because I have really good insurance through my business for me, my partner and the employees. It would be $350 a month if he signed up under my plan.


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[nameisbond]

I don't know why you you say 'not much of anything is deductible' --- every legitimate out of pocket payment related to health care is deductible, including travel costs if you're over a certain distance to a health facility you need.
I currently have Sunlife 'top up and travel insurance and I agree, it's pretty good..... and in Saskatchewan, there's NO additional health fees.
I work for a US based company that offers decent medical insurance and I used to agree with you about Canada having lousy service compared to what the US medical system offered -- but from what I see now, both with our company and what I am reading here and in other places -- I'll take my chances here in Saskatchewan.
The big problem used to be with wait times for treatment, but in the past 10 years, the provincial gov't has done a very good job in getting them under control.

Each province is different healthcare wise. BC has gone more corporate interests. Each province has its own taxes too. So we have less deductions over some other provinces income tax wise. We also pay premiums to BC for our healthcare. Albeit low cost wise. Here travel insurance is a joke. As BC will reimburse out of province claims on our insurance. Even from America. The travel insurance you agree to let them make the claim on your behalf from BC.

 

[Andy B.]

Its part of the CBA. Mine is about $8 and hour. As a retiree it will be $350.00 a month for the same plan.

IF its cobra its going to be A LOT MORE than 350.00 a month when you retire!

 

[Andy B.]

Eight years of that asshat people should be so proud of the Democratic party for the last eight years!!!You have to pass it to see what's in it whatever!!!!

 

[Singleton]

Because I have really good insurance through my business for me, my partner and the employees. It would be $350 a month if he signed up under my plan.


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You can’t add him under your plan or your wife’s plan through her school, just like your other kids. Until he is 26, your saying it is cheaper to have him under his own plan vs adding him to the same plan your other kids are on.

 

[shintoooo]

You can’t add him under your plan or your wife’s plan through her school, just like your other kids. Until he is 26, your saying it is cheaper to have him under his own plan vs adding him to the same plan your other kids are on.

Other kids are on their own plan. It’s cheaper than adding them to my plan or my wife’s.




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[BHC Vic]

Interesting timiming on this thread. Left work in an ambulance today. Now I’m here

 

[RodnJen]

Eight years of that asshat people should be so proud of the Democratic party for the last eight years!!!You have to pass it to see what's in it whatever!!!!

Because it wasn't going up double digits each year before?

 

[spectras only]

I don't know why you you say 'not much of anything is deductible' --- every legitimate out of pocket payment related to health care is deductible, including travel costs if you're over a certain distance to a health facility you need.
I currently have Sunlife 'top up and travel insurance and I agree, it's pretty good..... and in Saskatchewan, there's NO additional health fees.
I work for a US based company that offers decent medical insurance and I used to agree with you about Canada having lousy service compared to what the US medical system offered -- but from what I see now, both with our company and what I am reading here and in other places -- I'll take my chances here in Saskatchewan.
The big problem used to be with wait times for treatment, but in the past 10 years, the provincial gov't has done a very good job in getting them under control.

maybe Saskatchewan is a better place to live than BC [ Tom Brown likes it there,lol ] Had travel ins when worked for Kodak but better buy extra coverage through BCAA for proper coverage, just in case. Dental coverage is not applicable by BC medical, you have to buy your own, about $250 per month . A single crown cost about $3000K, minimum $1000 for anything else like rootcanal, extraction etc...... Implants for instance are about $50.000 for upper/lower set, not even sure if your private coverage would pay for that. My wife is on 5 different medication , I'm on only two. I think the medical deduction expenses set around $2300.
Services are still lousy because of doctors shortage throughout the province. Many doctors and nurses left the province years ago for better paying jobs in the US. We moved from the mainland a year ago and we have to travel 250 miles ea way to see our family doctor [ 30 yrs ] because there aren't any doctors to take us locally. Walking clinics are hit and miss, finding a good doctor worth his/her salt. Hospitals in Vancouver are way over their capacities with long waiting lines. My wife sat at the ER for over 24 hrs in a chair with a broken ankle [ no beds available ] at the Royal Columbian and wasn't operated until the sixth day. She constipated so bad from meds, nurse had to manually extract poop from her, bleeding like a slaughtered animal. OK, rant over

 

[Andy B.]

Because it wasn't going up double digits each year before?

Before oshitcare my insurance maybe went up 15-20 bucks a year after ocare kicked it went up over150% in the first year he was sooooo good for us and the economy whatever!!! The republicans are just as big of asshats by the way I play no favorites just facts..............

 

[nameisbond]

maybe Saskatchewan is a better place to live than BC [ Tom Brown likes it there,lol ] Had travel ins when worked for Kodak but better buy extra coverage through BCAA for proper coverage, just in case. Dental coverage is not applicable by BC medical, you have to buy your own, about $250 per month . A single crown cost about $3000K, minimum $1000 for anything else like rootcanal, extraction etc...... Implants for instance are about $50.000 for upper/lower set, not even sure if your private coverage would pay for that. My wife is on 5 different medication , I'm on only two. I think the medical deduction expenses set around $2300.
Services are still lousy because of doctors shortage throughout the province. Many doctors and nurses left the province years ago for better paying jobs in the US. We moved from the mainland a year ago and we have to travel 250 miles ea way to see our family doctor [ 30 yrs ] because there aren't any doctors to take us locally. Walking clinics are hit and miss, finding a good doctor worth his/her salt. Hospitals in Vancouver are way over their capacities with long waiting lines. My wife sat at the ER for over 24 hrs in a chair with a broken ankle [ no beds available ] at the Royal Columbian and wasn't operated until the sixth day. She constipated so bad from meds, nurse had to manually extract poop from her, bleeding like a slaughtered animal. OK, rant over

I just don't want too like this. BC is horrible. I know Ontario is worse then us. There my 94 year old aunt broke her hip. They made her see her GP outside of the hospital for pain meds, despite being an admitted patient to the hospital!

 

[TCHB]

Just came in. He’s 19 years old. I’m just going to cancel his insurance since it’s not mandated anymore with the new tax reform. My best friend is a doctor and so is my brother. I don’t need to pay for office visits. Fuck this bullshit.

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I know a young guy about you sons age owes $53K for a short hospital stay with no insurance. Can not imagine what the bill would be if he was in the hospital for month.

 

[RiverDave]

Fuck Im retired and pay $22k a year with a $7,000 deductible on Obamacare. There is no insurance for individuals outside obamacare.

So thats almost $30k a year before they start paying 80%.

That’s insane

 

[Bobby V]

IF its cobra its going to be A LOT MORE than 350.00 a month when you retire!

Not Cobra. It’s $350 a month. We have a fund set up to help the retirees.

 

[Bobby V]

View attachment 608247 Interesting timiming on this thread. Left work in an ambulance today. Now I’m here

How you doing brother.

 

[Mandelon]

Just came in. He’s 19 years old. I’m just going to cancel his insurance since it’s not mandated anymore with the new tax reform. My best friend is a doctor and so is my brother. I don’t need to pay for office visits. Fuck this bullshit.

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Wow that's a big increase but still way cheaper than what we pay. My son is 24 and his is nearly $600 a month. He is Type 1 diabetic..... so we have no choice. Every couple years we have to take lower quality option... Just ridiculous. Pre Obama we paid $800 for the whole family.

 

[BHC Vic]

How you doing brother.

Feeling a little better. Four bags of saline and some morphine. I was trying to fight through food poisoning. After like 20 shits of nothing but liquid and puking like 4 times. I pushed mtself way to far and got too dehydrated. Body finally shut down and down I went. Had about 100 students watch me throw up all over myself and leave in an ambulance. Pretty embarrassing. Hopefully feel better tomorrow. Thanks for asking

 

[Singleton]

Feeling a little better. Four bags of saline and some morphine. I was trying to fight through food poisoning. After like 20 shits of nothing but liquid and puking like 4 times. I pushed mtself way to far and got too dehydrated. Body finally shut down and down I went. Had about 100 students watch me throw up all over myself and leave in an ambulance. Pretty embarrassing. Hopefully feel better tomorrow. Thanks for asking

Get healthy. BART is your friend and it takes 3-4 days to recover

 

[jetboatperformance]

The Wife is 61 , beyond one minor issue a couple years back which DID NOT require more than an quick ER visit and some meds She is in very good health, Her notice last month from California care for 2018 Silver coverage announced Her new premium is $1035 A MONTH !!! thats fast approaching My f*king mortgage payment ........ Were looking into some of the "Heath sharing plans" like Liberty or Medi share

 

[mjc]

The Wife is 61 , beyond one minor issue a couple years back which DID NOT require more than an quick ER visit and some meds She is in very good health, Her notice last month from California care for 2018 Silver coverage announced Her new premium is $1035 A MONTH !!! thats fast approaching My f*king mortgage payment ........ Were looking into some of the "Heath sharing plans" like Liberty or Medi share

I am retiring next year and am going to look into those plans also.

 

[DaveC]

We used to say if you think health insurance is expensive wait till its free

Amazing what health insurance premiums used to be compared to what they are now. Damn shame

 

[DaveC]

For Employer provided health insurance the premiums are deductible to the business. That includes self employed people too.

Most working people get their health insurance provided by their employer. ( non taxable fringe) Most get get dependent coverage but who pays for dependents varies. (some get all dependents coverage others have to pay for dependents) The cost varies by employer depending on how much the employer pays for dependents. Dependent coverage that is employer provided is often deductible through section 125.

For individuals buying health insurance outside of their employers then their health insurance premiums are not deductible. (and don't have employer coverage)

Most plans have out of pocket expenses (i.e deductibles and co pays). These can also be deductible
with employer provided section 125 or HSA plan. Not everyone has access to these plans since they are optional

I have a question for you guys paying those premiums. When you have a family bundle, lets say $1200 per month. At taxation time, how much of this yearly amount of 14.400 is detuctible? Not much of anything is deductible in our tax system for medical. I know your taxation system is much better than our system where everything is hidden in ours. When I worked at Creo/Kodak, we had Blueshield, later switched to Sunlife. There was a $38 byweekly deduction from my paycheck for the coverage that was a good deal. Coverage was good for everything, sans dental. Now, wife and I are retired, our combined BC medical is $175 per month, without vision or dental coverage. Of course this cheap medical insurance comes with a price, hidden taxes every one is paying into and a lousy service compared to that of the US medical system offers, with high premiums, of course.

 

[Singleton]

We used to say if you think health insurance is expensive wait till its free

Amazing what health insurance premiums used to be compared to what they are now. Damn shame

Anytime the government gets involved, it equals higher prices.

 

[floatn turd]

My heath insurance went up 109% and that's thru work.
The Turd from the Insurance Company came in and told everyone they were going up "an average of 13%".
They we got hit with the real amount two weeks later.

That's Bullshit!!

 

[Boozer]

When I started my company in 2015 I found a co-op plan for $150 a month. In 2016 Obama defunded the co-ops, I had to find a new provider and my insurance went up to $400 a month. My plan will run me just shy of $1K a month in 2018. I’d hardly call that affordable.


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[Andy B.]

Not Cobra. It’s $350 a month. We have a fund set up to help the retirees.

That's awesome!!