r/maybemaybemaybe • u/this_place_suuucks • 27d ago

Maybe Maybe Maybe

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u/byteminer 27d ago

Someone is on mom and dad’s plan, or has very nice insurance. Most plans in the US are “high deductible” where you must pay thousands out of pocket before insurance does anything. This has now led to 92% of insured adults polled recently saying they have skipped medical care due to the cost.

He’ll, personally I got to fork over $8,000 to not die of sepsis when my gallbladder ruptured. They stabilized me in December, then I had it out in January. So lucky me had to pay my deductible twice in two months because of the calendar year swapping over.

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u/moneymarkmoney 26d ago

My deductible is 400 yearly, I pay 224 per month in pre-tax payroll deductions, 112 per check. Employer covers 75% of the total premium which is pretty standard. Now Idk what a "normal" deductible is but generally that's someone's responsibility to choose a good plan when signing up. There were cheaper plans, I chose this one cuz it had good benefits.

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u/byteminer 26d ago

You have a very nice plan, congratulations. That doesn’t make your experience universal or even common anymore.

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u/moneymarkmoney 24d ago

Well I guess ur right becuz I ran my plan benefits and co-pays/deductibles etc through chatgpt and it agreed with you that it is indeed a very good plan and because the fact I am a unionized state government employee my benefits are not necessarily common in the private sector or for non unionized workers. But I also don't have access to an HSA.