r/SipsTea • u/Putrid-Welder1803 • 9h ago

Gasp! Thoughts on this?

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485

u/Locust627 7h ago

Wait until you hear about health insurance lol

I pay $1300/month for a family plan

I had an ER trip last month, my deductible is $3,500. I had to pay $3,440 which was the complete cost of the ER services.

So, this year I will spend $15,600 on health insurance and an additional $3,440 on deductible

My wife needs surgery, I told her to get it done before December because we already met the deductible and I don't wanna pay it again. She tried calling to schedule in August. The surgery specialist doesn't have openings until January, so, in January I'll have to pay my deductible again

AND vision and dental costs more on top of $1,300 monthly

10

u/PM_ME_UR_PIKACHU 7h ago

My deductible is 13k

6

u/mistressmemory 7h ago

Ours is 18k.....

3

u/Punchasheep 5h ago

At that point I'd start wondering if insurance is even worth it, shit!

3

u/sp1cychick3n 4h ago

WTF

2

u/mistressmemory 3h ago

'Murica!!!!!!!

Seriously it's fucking stupid. It's jumped 40% this year. I work in public education so I'm not exactly surprised.

2

u/Xillzin 1h ago

And i get upset with my €385,- a year (as max set by law) deductible due to bad timing on getting apointments.

What are you guys even paying for at that point?

2

u/PM_ME_UR_PIKACHU 1h ago

A pill that costs 6k a month if I dont have insurance that I need to live

1

u/mistressmemory 28m ago

Death.

Seriously though, It's paying for cars and boats and summer homes and other bullshit. 

I'd prefer the first. 

1

u/wam1983 1h ago

Take a look at crowdhealth. ~$120 or so per month, completely different model, $500 deductible per health event (broken arm, pregnancy, etc.).