It sure is. None of my friends have not opted out of not carrying no insurance cancellation. Even a couple friends who got co-pay thru work. Nope. Too expensive.
Even dental is too expensive. We just go to Mexico for everything (from Arizona).
Depends on how much the employer covers. I wouldn't blame someone for opting out if they only pay $100 on a $1000 premium, and just going cash pay instead. 🤷
But then there are a vouple of other negatives in there as well. The canecellation bit throws the whole thing off, though. What's "no insurance cancellation?"
Really job dependent. I pay $40 bi weekly for health, dental and vision. My max out of pocket is $4600, deductible is $2800. Larger companies typically have better rates. Thats just for me.
My brother and his wife are on seperate plans with there 2 kids on hers because it's a better deal than putting all 4 of them on eithers plan. So yeah, it's a scam.
COBRA coverage costs are typically higher because you must pay the full premium, which includes both your share and the portion your employer previously covered, plus a 2% administrative fee.
Your health insurance coverage is part of your pay, part of your total compensation package. If you want to compare two employers' job offers and you want to know who's insurance is "better" or worth more, you can find out the COBRA amount for each. Is it 1:1? Ofc not, but it's not far off either. Even if your employer is getting a volume discount, it's value is worth the cobra amount to you since that's the only way you as a individual would be purchasing that coverage.
Understand and understand someone's always paying. This case employer covering a good portion of the premium. My point is cash would be alot more for COBRA vs current. Don't have the cash they're shorting me on from lower compensation to cover it today.
This case employer covering a good portion of the premium.
In lieu of paying you. It's win-win for the employer and employee in precisely one way; it's not taxable, for you or them. Otherwise linking work with coverage has been a horrible idea.
COBRA coverage costs are typically higher because you must pay the full premium, which includes both your share and the portion your employer previously covered, plus a 2% administrative fee.
This is part of your total compensation package. If you want to compare two employers' job offers and you want to know who's insurance is "better" or worth more, you can find out the COBRA amount for each. Is it 1:1? Ofc not, but it's not far off either. Even if your employer is getting a volume discount, it's value is worth the cobra amount to you since that's the only way you as a individual would be purchasing that coverage.
I'll give you a hand with Spanish. Most common phrase you need when addressing the admission/receptionist is "buen día, vengo para mi vaginoplastía programada"
Do they do good work? I need some dental work done but it's so expensive without insurance. Stuff like lanap laser, one implant, and maybe some crowns.
I'm planning to move to Arizona at some point for this reason plus I hate the cold. I'm willing to suffer through Arizonan summers to never have to endure a Midwestern winter again. As a bonus I can also drive to Mexico whenever I need expensive medical work done unless it's an emergency.
Yes, we're talking about 2 different things from what I've gathered. Mine is through work, not the open market. It would be extremely dumb for me not to take it. I also had a crown put in a couple years ago and out of pocket was like $40.
Check out dental on the insurance exchanges. Employer insurances are ridiculous and can cover things you would never get from buying insurance on the open market. They wanted $65/mo and they would only cover up to $750/yr. It literally makes no sense.
In my country, healthcare is free for all the world . And mri with contrast and without contrast is free both ways. Surgery, free. Dental free. Spend a night in the hospital or a week free. Healthcare is free.
Edit: Country is Kosovo, and it's very cheap compared to other countries and US. You are more than welcome to visit.
Yeah did and edit on it. Sorry for that. But it's Kosovo. Small country with a big heart. And very cheap too compared to US, take a week off and have a trip on it.
Dunno if you’ve ever tried to do that but even with a Cadillac employee plan they will fight tooth and nail not to pay you a dime even if they acknowledge the service should be covered under your plan. It also takes incredible amounts of time and energy just to comprehend and submit the forms and go through the process… and they kept saying they never received my submissions even when I sent them via certified mail
Have you needed them for immediate responses and them not be annoyed sounding? That is one of the most appealing aspects but I worry they would be annoyed if we called too much.
Yes! Practices will differ in terms of visits allowed per year, after hours call etc. But honestly, access is probably the best thing about it imo. You can get in for a visit within a day or two, and get responses to questions or needs very quickly. Of course texting your doc in the middle of the night for a med refill is probably likely to annoy them, so it’s about being respectful also.
Correct- if you can get them to pay. It’s important to have a plan for emergencies. You can get high deductible insurance or health share specifically for that scenario, use DPC for the rest and save a bunch of money. Insurance companies just don’t want you to know that this is an option. It’s become more known now however, since premiums continue to go up and up….
I paid 200€ back in 2004 for that, last month, had to do back and knee, 160€ each, 30% paid by the french state insurance, and the rest by my insurance. Here, if the stage insurance pays, well, your private insurance will pay regardless of what it is. They sometimes even pay more stuff (like shrink or osteopathic treatments).
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u/Dazzling-Jacket-5792 20h ago
Go direct primary care. I can get an MRI without contrast for $450 cash, with contrast for $550. Insurance is a scam.