Insurance sucks....

[SANE-A30]

I took my son to the doctor this afternoon I stood there waiting for her to say " mam your copayment is blah blah"...... nope 60$ out of pocket b/c I have not met my son's 1500$ deductible.. before I just had a copay well now I guess that has gone out the window....SCREW BLUE CROSS! they will get a piece of my mind in the am no it will not change the fact that all they do is steal your money but it will feel good for me to tell them what thieves I think they are.... why do i even bother paying for it if I have to pay 1500$ upfront before they will even cover a portion.... R.E.D.I.C.U.L.O.U.S

who goes to the doctor that much in a years time to meet their 1500$ deductible at this rate not only will they get all the money out of my check but they will NEVER have to cover a percentage!!!! TICKS ME OFF!

[greg72982]

At least you have insurance...

[retdetsgt]

At least you have insurance...

Not very good if it has a $1500 deductible. I hope she's not paying much for it.

[greg72982]

Not very good if it has a $1500 deductible. I hope she's not paying much for it.

nope but if soemthing major were to happen I'd rather spend 1500 than pay everything out of pocket

[retdetsgt]

nope but if soemthing major were to happen I'd rather spend 1500 than pay everything out of pocket

Obama'll be taking care of you pretty soon, so never fear!

[Sgt. Slaughter]

I'm guessing you or hubby chose that plan during open enrollment. Pay more and get a plan with $0 deductible, then. You have to wait until your open enrollment dates again, though. Call all you want, but you already know it won't solve anything and I don't think insurance companies can just change the plans all willy nilly.

[SANE-A30]

At least you have insurance...

THIS IS TRUE!!!

I'm guessing you or hubby chose that plan during open enrollment. Pay more and get a plan with $0 deductible, then. You have to wait until your open enrollment dates again, though. Call all you want, but you already know it won't solve anything and I don't think insurance companies can just change the plans all willy nilly.

Lol I so did not call b/c you are right it won't help......but geeze...how are you supposed to meet that?? when you never go to the dr....

[SANE-A30]

Not very good if it has a $1500 deductible. I hope she's not paying much for it.

Ret it's just 1500$ for my son for family it is 3 grand

[oscarmitre]

Obama'll be taking care of you pretty soon, so never fear!

No he won't, he went to water when it counted.

[Sgt. Slaughter]

Lol I so did not call b/c you are right it won't help......but geeze...how are you supposed to meet that?? when you never go to the dr....

To reiterate the previous point - choose another plan that better fits your family and research your options this time. You won't be able to make a change in healthcare plans until open enrollment, though. For most places I've seen, that's around October.

[SANE-A30]

To reiterate the previous point - choose another plan that better fits your family and research your options this time. You won't be able to make a change in healthcare plans until open enrollment, though. For most places I've seen, that's around October.

ahh that is the deal breaker right there.. I am on my husband's plan whom NEVER EVER under any circumstance goes to the doctor so that's the problem...I get PIB ( Pay in Lieu of benefits) basically I get a higher wage b/c I sacrifice my benefits.... what I don't get is how some places don't have a copay and some places do??? it makes me wonder if it's the particular dr as well?

[Sgt. Slaughter]

Doctors only charge the copay required by your insurance company.

[retdetsgt]

ahh that is the deal breaker right there.. I am on my husband's plan whom NEVER EVER under any circumstance goes to the doctor so that's the problem...I get PIB ( Pay in Lieu of benefits) basically I get a higher wage b/c I sacrifice my benefits.... what I don't get is how some places don't have a copay and some places do??? it makes me wonder if it's the particular dr as well?

Take the benefits and tell your husband why. If he's too cheap to get a better plan, then you should do something. The whole thing is just a consequence of decisions you and your husband are both making. It's not the insurance company's fault.

[1depd]

The last time I looked at switching to a high deductible plan I would have saved, less than the actual deductible. It still would have been a decent savings and I would have jumped at the plan several years ago. Now I know my wife has at least 10k per year in doctor's bills. I would max out my deductible every year, so what I save in premiums I would exceed in the deductible. I have opted for a more expensive no deductible plan with more co-pays, because it saves me money. If we did not have the wife's medical expenses, I would save more with the high deductible plan, even though I would pay more per doctor visit.

[SANE-A30]

Doctors only charge the copay required by your insurance company.

yeah I get that and I know they are different depending on the practice/ speciality that I am ok with it's the there is no copay you pay x amount out of pocket that I am confused about?? why would some offices have a "copay" and others a out of pocket expense?? and I'm talking the SAME SPECIALTY...and the same insurance....makes me feel like i am getting ripped off somehow

Take the benefits and tell your husband why. If he's too cheap to get a better plan, then you should do something. The whole thing is just a consequence of decisions you and your husband are both making. It's not the insurance company's fault.

yeah i know we sign up for what we get, i'm confused about the above.....My plan has not changed since last yr that i know of at my son's dr I paid a 20$ copay, this year I pay 60$ until the 1500$ is met.. until they will even attempt to cover any portion... that's what I am aggravated about..... but like Greg said be THANKFUL it could be SOOOOO much worse but with what Dep said i'm guessing it has changed b/c that would make much more sense as to why I'm being requested to pay the 60$ when i asked my husband about it he mentioned no changing and acted like that was the new rules of the policy......hmmmmm....

The last time I looked at switching to a high deductible plan I would have saved, less than the actual deductible. It still would have been a decent savings and I would have jumped at the plan several years ago. Now I know my wife has at least 10k per year in doctor's bills. I would max out my deductible every year, so what I save in premiums I would exceed in the deductible. I have opted for a more expensive no deductible plan with more co-pays, because it saves me money. If we did not have the wife's medical expenses, I would save more with the high deductible plan, even though I would pay more per doctor visit.

That's probabley what he did since my son is CONSTANTLY at the doctor, that makes more sense, I suppose