Health Care Costs

[OldSchoolBoats]

Man, so much has changed since we had our first baby!

For example, in 2009 when we had our 2nd, we received a bill for $15K and at the bottom all we had to pay was $100 co pay (Kaiser). Our monthly premiums were significantly less too.


Fast forward to last Thursday when we went in for #5. After paying almost $700 / month for "insurance", I get told that our co pay for the baby is $1,700!! :yikes

On top of that, they will only cover 80% of the total bill for the stay, so I will still receive a bill afterwards. This is also a Kaiser plan and supposed to be a "Cadillac" PPO plan......:grumble:


This isn't the only thing that has me boiling. Our 2 year old, a couple months ago, hit his head on a cabinet and got a cut in his forehead that had to be stitched up with liquid stitches.

A couple weeks ago, I get a bill for $1,000 for that. WTF!!!


I am literally about to lose my shit. So far this year, we have paid over $7K in premiums and doctor bills. I just don't understand how I can pay so much money per month in premiums and then still have to pay so much out of pocket. How are people that don't work for unions or government expected to survive? This is absolute insanity.:thumbsdown:thumbsdown:thumbsdown:thumbsdown

 

[LargeOrangeFont]

Man, so much has changed since we had our first baby!

For example, in 2009 when we had our 2nd, we received a bill for $15K and at the bottom all we had to pay was $100 co pay (Kaiser). Our monthly premiums were significantly less too.


Fast forward to last Thursday when we went in for #5. After paying almost $700 / month for "insurance", I get told that our co pay for the baby is $1,700!! :yikes

On top of that, they will only cover 80% of the total bill for the stay, so I will still receive a bill afterwards. This is also a Kaiser plan and supposed to be a "Cadillac" PPO plan......:grumble:


This isn't the only thing that has me boiling. Our 2 year old, a couple months ago, hit his head on a cabinet and got a cut in his forehead that had to be stitched up with liquid stitches.

A couple weeks ago, I get a bill for $1,000 for that. WTF!!!


I am literally about to lose my shit. So far this year, we have paid over $7K in premiums and doctor bills. I just don't understand how I can pay so much money per month in premiums and then still have to pay so much out of pocket. How are people that don't work for unions or government expected to survive? This is absolute insanity.:thumbsdown:thumbsdown:thumbsdown:thumbsdown

Where do you think the extra money is going? It is going to subsidize the people that don't have employer provided health insurance that enroll in "Covered California".

I went through similar frustrations when we had our 2nd kid last year. My out of pocket was almost $3k. I pay $900 a month for health insurance now. It used to be about $600. First kid was around $400 out of pocket.

 

[shintoooo]

Good Job Tards :thumbsup

 

[GRADS]

This is not going to be a popular response and this isn't directed at you but here it goes....I don't think insurance should cover child birth at all. Having a child is a choice unlike an illness. Getting bolt on :boobeyes: is also a choice and is not covered by insurance.

 

[OldSchoolBoats]

Where do you think the extra money is going? It is going to subsidize the people that don't have employer provided health insurance that enroll in "Covered California".

I went through similar frustrations when we had our 2nd kid last year. My out of pocket was almost $3k.

I am afraid to see how much more we will owe. Maybe I shouldn't have let her get that Epidural.......:rolleyes

 

[LargeOrangeFont]

This is not going to be a popular response and this isn't directed at you but here it goes....I don't think insurance should cover child birth at all. Having a child is a choice unlike an illness. Getting bolt on :boobeyes: is also a choice and is not covered by insurance.

Fine. Then don't require me by law to have health insurance.

 

[shintoooo]

My daughter fell on a glass table today helping mom at work take down bulletin boards and got staple stitches at Kaiser today for $230. Not bad I suppose. I pay $166 for her a month.

 

[Andy B.]

THE DEMOCRATIC WAY OF GETTING HONEST,HARD WORKING PEOPLE TO PAY FOR THE ENTITLED PEOPLE IN THE WORLD! Obama how in the hell he got elected twice is beyond belief!! Obamacare is brought up a lot in the P&G section. People don't realize that's just the tip of that law more to come in the future, fuck people are stupid sheep rant over...............

 

[wsuwrhr]

I don't recall the cost for the first, I wrote a check for 2-3k for our second, 30 days after, to the day, of receiving "complimentary" open heart surgery. I was in the same hospital for 10 days. :yikes

At that time, I hadn't worked for around two months, I couldn't work for around 6 months after that. Going up the stairs was a full time job.

How cheap is a vasectomy OSB?

We pay around $850 a month now for all of us and have sky high deductibles to boot.

Brian

 

[LargeOrangeFont]

I am afraid to see how much more we will owe. Maybe I shouldn't have let her get that Epidural.......:rolleyes

The first time around they let my wife hit the button again... that was $3k but zero cost to us. This last time
The shit wore off way too soon.. I wanted a refund

 

[LargeOrangeFont]

My daughter fell on a glass table today helping mom at work take down bulletin boards and got staple stitches at Kaiser today for $230. Not bad I suppose. I pay $166 for her a month.

View attachment 567392

Glad she is OK!

 

[wsuwrhr]

I am afraid to see how much more we will owe. Maybe I shouldn't have let her get that Epidural.......:rolleyes

Yea, I think that was $2500. I told her to "Woman Up" as a joke, yea NOONE thought that was funny. Some peeps don't have a sense of humor.

Brian

 

[2Driver]

In March we started Obama care. The 3 of us have only 1 choice for a provider, lost every doctor we had, some for 20 years and some mid diagnosis.

$22,000 a year with $6,000 deductible. So $28,000 a year before they pick up a dime, then only 80% until the next calendar year starts a new deductible to wade through. :finger

 

[LargeOrangeFont]

Here is what has ALWAYS pissed me off.

How come no one can ever tell me what my out of pocket costs will be BEFORE I get the bill. They should be able to tell me that right at the office, before any "checkup" non emergency appointment.

Instead the spring the "well you owe x from last time." crap.

 

[LargeOrangeFont]

In March we started Obama care. The 3 of us have only 1 choice for a provider, lost every doctor we had, some for 20 years and some mid diagnosis.

$22,000 a year with $6,000 deductible. So $28,000 a year before they pick up a dime, then only 80% until the next calendar year starts a new deductible to wade through. :finger

What you need to do is make less money!

 

[Havasteve]

The supreme court ruled that obamacare is a tax. This is why the IRS is involved.

Its been taken over by the government and turned into a vehicle to "redistribute wealth"

 

[BHC Vic]

Fortunate to be union. Baby was 500 bucks. Prescriptions are 10. Co pay is 15. Emergency is 100. We use Kaiser

 

[Advantage 1]

In January of this year, I had my deviated septum 'fixed'. Septoplasty I believe is the fancy term.

I have United Health Care and pay $63.23 a month. This surgery was just about $13,000. I paid a $500 deductible and various little bills from Scripps, the Dr who performed the procedure and the anesthesiologist... all in, I was out of pocket about $1,000 of the $13,000. I count that as a win.

One more year and my company picks up 50% of my monthly premium. At 5 years, they pick up 100% :thumbsup

 

[COCA COLA COWBOY]

Man, so much has changed since we had our first baby!

For example, in 2009 when we had our 2nd, we received a bill for $15K and at the bottom all we had to pay was $100 co pay (Kaiser). Our monthly premiums were significantly less too.


Fast forward to last Thursday when we went in for #5. After paying almost $700 / month for "insurance", I get told that our co pay for the baby is $1,700!! :yikes

On top of that, they will only cover 80% of the total bill for the stay, so I will still receive a bill afterwards. This is also a Kaiser plan and supposed to be a "Cadillac" PPO plan......:grumble:


This isn't the only thing that has me boiling. Our 2 year old, a couple months ago, hit his head on a cabinet and got a cut in his forehead that had to be stitched up with liquid stitches.

A couple weeks ago, I get a bill for $1,000 for that. WTF!!!


I am literally about to lose my shit. So far this year, we have paid over $7K in premiums and doctor bills. I just don't understand how I can pay so much money per month in premiums and then still have to pay so much out of pocket. How are people that don't work for unions or government expected to survive? This is absolute insanity.:thumbsdown:thumbsdown:thumbsdown:thumbsdown

You have to have a corporation, show a menial income and get Obamacare. At least that's how I am told it is done.

My wifey works for a hospital so that helps a ton.

 

[boatdoc55]

This is not going to be a popular response and this isn't directed at you but here it goes....I don't think insurance should cover child birth at all. Having a child is a choice unlike an illness. Getting bolt on :boobeyes: is also a choice and is not covered by insurance.

Jeez, I can't believe I'm going to say this but I agree wholeheartedly with Grads. Somebody get me a bottle, NO make it a handle. Ah crap just bring the barrel.

 

[wsuwrhr]

I don't recall the cost for the first, I wrote a check for 2-3k for our second, 30 days after, to the day, of receiving "complimentary" open heart surgery. I was in the same hospital for 10 days. :yikes

At that time, I hadn't worked for around two months, I couldn't work for around 6 months after that. Going up the stairs was a full time job.

How cheap is a vasectomy OSB?

We pay around $850 a month now for all of us and have sky high deductibles to boot.

Brian

I should also add I had an ER room visit after the bike wreck and it just so happens there is something called, "Out of Network", even in an emergency situation. I had to write a $15K check to arrowhead regional for that 4 hour stay or they were going to put a lien on my newly purchased house.

 

[UltraLucky]

In March we started Obama care. The 3 of us have only 1 choice for a provider, lost every doctor we had, some for 20 years and some mid diagnosis.

$22,000 a year with $6,000 deductible. So $28,000 a year before they pick up a dime, then only 80% until the next calendar year starts a new deductible to wade through. :finger

This is what I pay as an employer/per employee per year. +/- 20k a year per eligible employee. If someone is paying less than $1,000/month for a family plan it is being subsidized by someone either the employer or the through taxes on others.

 

[OldSchoolBoats]

You have to have a corporation, show a menial income and get Obamacare. At least that's how I am told it is done.

My wifey works for a hospital so that helps a ton.

Easier to do that as an agent, but as an LO, not so much. Dodd-Frank needs to be unwound to change the LO comp rules for me to go back to doing it like that.

 

[LargeOrangeFont]

Jeez, I can't believe I'm going to say this but I agree wholeheartedly with Grads. Somebody get me a bottle, NO make it a handle. Ah crap just bring the barrel.

Lol yea if a hospital won't turn away an illegal alien with a cold you think they will turn away a pregnant mother giving birth? It is a nice thought but there is no practical way enforce that kind of policy. It will be paid for by the tax payer.

 

[wsuwrhr]

Jeez, I can't believe I'm going to say this but I agree wholeheartedly with Grads. Somebody get me a bottle, NO make it a handle. Ah crap just bring the barrel.

You are referring to bobcare or other taxpayer funded healthcare, correct?

Otherwise, private health insurance is an insurance plan for healthcare, specifically for illnesses and anything else that arises, including pregnancy.

 

[RodnJen]

I should also add I had an ER room visit after the bike wreck and it just so happens there is something called, "Out of Network", even in an emergency situation. I had to write a $15K check to arrowhead regional for that 4 hour stay or they were going to put a lien on my newly purchased house.

It's because the health systems and insurance companies are in it together. I haven't read the book yet.

https://www.holisticprimarycare.net...r-pr-director-for-cigna-health-insurance.html

This is nothing new.

http://wolfstreet.com/2014/09/16/how-hospitals-and-health-insurers-collude-to-keep-prices-high/

 

[pronstar]

I had a massive headache last week, went to the ER to the tune of $7,600.

The CT scan was almost $3k...no brain cells were seen at all [emoji4]

 

[was thatguy]

Man, so much has changed since we had our first baby!

For example, in 2009 when we had our 2nd, we received a bill for $15K and at the bottom all we had to pay was $100 co pay (Kaiser). Our monthly premiums were significantly less too.


Fast forward to last Thursday when we went in for #5. After paying almost $700 / month for "insurance", I get told that our co pay for the baby is $1,700!! :yikes

On top of that, they will only cover 80% of the total bill for the stay, so I will still receive a bill afterwards. This is also a Kaiser plan and supposed to be a "Cadillac" PPO plan......:grumble:


This isn't the only thing that has me boiling. Our 2 year old, a couple months ago, hit his head on a cabinet and got a cut in his forehead that had to be stitched up with liquid stitches.

A couple weeks ago, I get a bill for $1,000 for that. WTF!!!


I am literally about to lose my shit. So far this year, we have paid over $7K in premiums and doctor bills. I just don't understand how I can pay so much money per month in premiums and then still have to pay so much out of pocket. How are people that don't work for unions or government expected to survive? This is absolute insanity.:thumbsdown:thumbsdown:thumbsdown:thumbsdown

That IS Cadillac...

 

[Singleton]

This is how I look at insurance now.
Middle son was in ATV accident and had internal bleeding. Total costs when I got all bills including Medevav to emergency surgery was 200k. Outside my annual premium (apx 12k), i paid 3k (out of pocket max). Worth ever penny I have ever paid

 

[scouter]

This is not going to be a popular response and this isn't directed at you but here it goes....I don't think insurance should cover child birth at all. Having a child is a choice unlike an illness. Getting bolt on :boobeyes: is also a choice and is not covered by insurance.

But you're all for the Gubment paying for abortions, right???? :thumbsdown

 

[RCDave]

I recently got bit by a black widow spider. This required 2 surgeries including a skin graft. The bill totals over $30K so far. I had to pay $6K in deductables and still fighting with insurance over the billings. The costs relative to the work performed is INSANITY.....

This country is broken and I don't see any fixes on the horizon.

 

[River Lynchmob]

This is not going to be a popular response and this isn't directed at you but here it goes....I don't think insurance should cover child birth at all. Having a child is a choice unlike an illness. Getting bolt on :boobeyes: is also a choice and is not covered by insurance.

Jeez, I can't believe I'm going to say this but I agree wholeheartedly with Grads. Somebody get me a bottle, NO make it a handle. Ah crap just bring the barrel.

I'd like to ask you guys this. Since we chose to have a baby and he spent 3.5 months in the NICU should I be responsible for that stay, his treatment, surgeries etc as well?

 

[Mandelon]

Prior to the "Affordable Health Care Act" I paid about $800 for a family of four.

Costs went up each year to nearly $3000 a month for the same plan.

We switched plans and now pay about $1800 a month, which I have been conditioned to think is a bargain. :rolleyes

As a small business owner, it kills us. No company pays it, except mine.

The other thing that hurts is the five mandatory sick days we know have to pay to all employees. California is just three days, but San Diego is five. So there goes another $15,000 in direct costs, plus the money we don't make from them working those days..

I am making myself ill...

Don't open a small business in California! Get a cushy job for the water company! LOL

 

[GRADS]

If my rates are going to go up because of claims I'd rather see my money go towards these claims....



Than these.....



Just saying...

 

[Abc123]

I don't understand the hostility towards liberals over "free" healthcare / Obamacare, because I would be willing to bet that the majority of people on this forum whether Republican or Democrat send/sent their kids to public school for a "free" education that people who don't have children have to foot the bill for. And on top of that, those with kids get a tax break while those without kids or those who send their kids to private schools don't. Please explain that shit?

Just like some liberal chick on welfare can pop out as many kids as she wants and collect food stamps and EBT cards, a married conservative couple can pop out as many kids as they want and send them to public schools at the expense of others.

If you want everyone to pay their equal share then pay for all of your own shit, not just pick and choose what you should and shouldn't pay for. Or just accept the fact that both sides of the political spectrum get free shit in on way or another.

 

[dryhoze1]

Hopefully this helps. FBI raid down the street today.
These fuckers have been bilking the system for years:thumbsdown

http://www.ocregister.com/2017/06/13/federal-agents-searching-sovereign-health-in-san-clemente/

 

[Andy B.]

I don't understand the hostility towards liberals over "free" healthcare / Obamacare, because I would be willing to bet that the majority of people on this forum whether Republican or Democrat send/sent their kids to public school for a "free" education that people who don't have children have to foot the bill for. And on top of that, those with kids get a tax break while those without kids or those who send their kids to private schools don't. Please explain that shit?

Just like some liberal chick on welfare can pop out as many kids as she wants and collect food stamps and EBT cards, a married conservative couple can pop out as many kids as they want and send them to public schools at the expense of others.

If you want everyone to pay their equal share then pay for all of your own shit, not just pick and choose what you should and shouldn't pay for. Or just accept the fact that both sides of the political spectrum get free shit in on way or another.

Well that would be common sense thinking and we will have none of that...............

 

[LuauLounge]

Been paying $11,000 a year for my personal health care with $10k deductible.
Got diagnosed with cancer, blew through the $10k in the first month. The following month I turned 65 and enrolled in Medicare. With my supplemental insurance I've paid 0 since. 6 weeks of radiation chemo at 3500 day, 115k surgery and 12 sessions of chemo at 20k a pop. This doesn't include the many blood tests, ct scans, pet scans, etc. Even if you have insurance, the deductibles and copays could bankrupt you.

 

[COCA COLA COWBOY]

Easier to do that as an agent, but as an LO, not so much. Dodd-Frank needs to be unwound to change the LO comp rules for me to go back to doing it like that.

Trust me, its just a matter of time before they try to make me a W-2 employee. The government does not like corporations or self employed. They prefer to take the money up front and determine if you deserve anything back.

 

[2Driver]

Free LOL ya think? You pay dearly for this total shit pile of education. Whats the US, 11th in the world ranking for education?

A lot of Public Ed is about pay, pension, benifits, big admin depts, time off and not being able to be fired. LOL after that its all about the kiddos.

 

[Abc123]

Trust me, its just a matter of time before they try to make me a W-2 employee. The government does not like corporations or self employed. They prefer to take the money up front and determine if you deserve anything back.

If that was the case, corporate lobbyists would not exist. They love corporations, the bigger the better. :thumbsup

 

[spectra3279]

You have to have a corporation, show a menial income and get Obamacare. At least that's how I am told it is done.

My wifey works for a hospital so that helps a ton.

Just say your name is Juan Rodriguez and it's free.

 

[Wadernation]

The other thing that hurts is the five mandatory sick days we know have to pay to all employees. California is just three days, but San Diego is five. So there goes another $15,000 in direct costs, plus the money we don't make from them working those days..

LOL

its five? our company here in SD gives us the 3 days...but we now have 3 less days of PTO to compensate for that change :rolleyes how convenient.

 

[renodaytona]

I was lucky enough to move from a job that I paid $600 per month for everyone to an awesome company that pays 100%.

 

[Mandelon]

its five? our company here in SD gives us the 3 days...but we now have 3 less days of PTO to compensate for that change :rolleyes how convenient.

California is three, City of SD is five days.

https://www.littler.com/publication...ick-leave-changes-san-diego-and-san-francisco

The San Diego Earned Sick Leave and Minimum Wage ordinance was originally approved on August 18, 2014, and scheduled to become operative on April 1, 2015. However, one month later opponents filed a petition that suspended the law. The City Council then voted to submit the matter to voters at the June 7, 2016 election, who approved the measure. Although many wondered whether the law would apply retroactively, the City Attorney previously issued a memorandum concluding it would not and that the law would not be operational until the council adopts a resolution declaring the election?s results unless an earlier date is specified in the resolution.

Coverage: The San Diego law applies to all employers with covered employees. Employees are covered if they perform at least two hours of work within the City of San Diego?s geographic boundaries for an employer in one or more calendar weeks of the year, and are entitled to the state minimum wage or are participants in a State of California Welfare-to-Work Program. But, there are exceptions for: (1) individuals paid a sub-minimum wage under a special license (Cal. Lab. Code ?? 1191, 1191.5); (2) individuals employed under a publicly subsidized summer or short-term youth employment program; (3) student employees, camp counselors, or program counselors of an organized camp; and (4) independent contractors. However, there is no carve-out for unionized workers.

 

[Ziggy]

its five? our company here in SD gives us the 3 days...but we now have 3 less days of PTO to compensate for that change :rolleyes how convenient.

It sound like you have the employee perspective vs Mandys employer perspective.[emoji3] [emoji4]
Tons of companies paid voluntarily, makes sense for them not to be forced to double dipped just cuz the gov said its now mandatory....just sayin[emoji6]

 

[Mandelon]

Remember how I used to give em all work boots, cash and a big steak dinner for Christmas? Now they don't get any of that. I tell them just to thank their liberal politicians! :thumbsdown

 

[COCA COLA COWBOY]

Just say your name is Juan Rodriguez and it's free.

Actually, you can say John Doe and that your mailing address is General Mail at whatever USPS you want and they have to serve you. When we were in Norcal, my wife worked at the hospital and she freaked out. All it was was druggies using that line as well as a number of others to get drugs.

 

[lbhsbz]

I don't understand the hostility towards liberals over "free" healthcare / Obamacare, because I would be willing to bet that the majority of people on this forum whether Republican or Democrat send/sent their kids to public school for a "free" education that people who don't have children have to foot the bill for. And on top of that, those with kids get a tax break while those without kids or those who send their kids to private schools don't. Please explain that shit?

Just like some liberal chick on welfare can pop out as many kids as she wants and collect food stamps and EBT cards, a married conservative couple can pop out as many kids as they want and send them to public schools at the expense of others.

If you want everyone to pay their equal share then pay for all of your own shit, not just pick and choose what you should and shouldn't pay for. Or just accept the fact that both sides of the political spectrum get free shit in on way or another.

I pay property taxes (which fund public schools), pay for my kid to go to private schools because the public school in our neighborhood sucks, paid out of pocket for the girlfriends insurance for the last 8 years, which covered the birth, because I can't get her on my plan through work since we're not married, pay for my insurance and the kid's through work, and pay for fawking everything else that I need/want. The GF qualifies for every program under the sun as a "single mom", but we don't need it, so we don't take it. It's been a struggle at times, since she is a stay at home and I'm not a baller, but we make it work. Am I allowed to be hostile towards all the freeloading asshole liberals?

 

[HOOTER SLED-]

I guess I won't complain about my $300/mo insurance costs.