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Al! posted:basically you have to have no income to have that kind of subsidy, but at that point you probably qualify for medicaid anyway I am in this situation. I earn about 20k a year right now which gets me a shite-rear end bronze plan for free but I can't get medicaid because young single people don't get medicaid in Texas If I had a kid or got myself disabled or magically aged 30 years I could get it but until then, taxpayers gonna be fronting my premiums for a useless plan (which costs 328 a month pre-subsidy, a deductible over 5,000 and has an OOP max over 8,000 loving dollars, for reference)
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Dec 16, 2019 02:03
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as much as the bronze plans loving suck (they do) you should still get one for free/cheap if you can, and go to your doctors. if you have a condition that needs therapy or treatment or surgery, the insurance WILL at least get that done for you, you'll just owe an insane amount of money when its over, but at least you won't be dead..? maybe? my father was able to get open heart surgery with a bronze plan.
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Dec 16, 2019 03:05
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Yeah I mean I have it in case some loving disaster happens it will at least mitigate that
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Dec 16, 2019 03:12
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karthun posted:Minnesota should automatically reenroll you. Contact DHS and you will get that fixed in about 30 minutes. No reason to go without coverage. 
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Dec 16, 2019 04:08
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smarxist posted:as much as the bronze plans loving suck (they do) you should still get one for free/cheap if you can, and go to your doctors. if you have a condition that needs therapy or treatment or surgery, the insurance WILL at least get that done for you, you'll just owe an insane amount of money when its over, but at least you won't be dead..? maybe? yeah, get the insurance so the greedy fucks at the hospital will actually help you, instead of the bs 'stable' poo poo they do to homeless before kicking them out then get the bill cancelled for financial hardship. or let it go to collections and never pay those assholes either, or settle for a fraction of the bill this system is insane lol
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Dec 16, 2019 09:40
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drat I couldn't imagine working in the USA. For reference I'm an engineer in New Zealand who could definitely get a job there and probably be quite well off relatively speaking, but even a 'good' health insurance plan sounds insanely poo poo. Over here anything deemed an 'accident' is instantly 100% covered in every aspect, my partner broke her ankle mountain biking and in addition to all treatment being free they were even willing to pay for a taxi to get her to and from work every day until her cast came off (which she didn't do because she could still get around OK). Even as a tourist visiting New Zealand if you get injured (not an illness) everything required to get you well enough for you to leave the country is free, even for example the cost of a medivac helicopter if you're mountaineering or doing some other high risk activity. Illness is however not covered for tourists, but as an Australian living in New Zealand for more than two years I get publicly funded healthcare, even though I'm not a citizen. Like some other countries with publicly funded healthcare though dental work is for some reason treated as a different thing and doesn't have anywhere near the same level of public coverage. I can never understand why this is, your teeth and mouth are all part of the same body that does get free healthcare...
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Dec 16, 2019 09:42
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Blackhawk posted:drat I couldn't imagine working in the USA. For reference I'm an engineer in New Zealand who could definitely get a job there and probably be quite well off relatively speaking, but even a 'good' health insurance plan sounds insanely poo poo. Over here anything deemed an 'accident' is instantly 100% covered in every aspect, my partner broke her ankle mountain biking and in addition to all treatment being free they were even willing to pay for a taxi to get her to and from work every day until her cast came off (which she didn't do because she could still get around OK). if you’re wealthy or have a high paying job the US medical systems is probably one of the best in the world which is why it’s so insane how unjust and awful it is for the poor. if it was like this at all for the 10% this poo poo would have been changed in a heartbeat. it’s why every “improvement” seems so irrelevant. like pre existing conditions got removed because it was annoying to have to send documentation to your new insurer when you switched jobs. or why people think the problem is just not enough people have coverage (presuming I guess the coverage would be the same as their high end anthem plan provided by google)
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Dec 16, 2019 11:33
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yeah my dad has one of the few good union jobs still around in the US and they have insane health insurance policies compared to the stuff I can get on the market like when I was still on his insurance I started getting really severe headaches that weren't migraine-like so they just whipped me into the hospital to do a bunch of imaging and he ended up paying like $200 and that was mostly because the company had pressed the union in the wake of 2008 and added small co-pays to the plan if I got the same imaging today on any of the plans I can get it would cost five figures out of pocket lmao
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Dec 16, 2019 11:40
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my dad pays the doctor's office $5 for a full physical examination if they give him a prescription he pays $10 for anything at the pharmacist hahaha lmao "but we can't have socialized medicine in the US because it's too expensive"
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Dec 16, 2019 11:42
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SpaceGoku posted:my dad pays the doctor's office $5 for a full physical examination yeah it’s insanely hosed up. and the way it’s designed the semi rich don’t even know how hosed up it is and refuse to believe it’s that bad. the actual rich obviously know how bad it is because it’s working as they intended
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Dec 16, 2019 12:22
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yeah the thing is that unless you’re working for some squirrely company generally the more money you make the better insurance you can get no, this doesn’t make any sense when viewed as a whole yes, this means everyone in power doesn’t have to give a rat’s rear end about it
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Dec 16, 2019 14:12
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yeah why bother to fix it, the people upset about it are sick, weak, or dead! when winter rolls around the gorillas just freeze to death!
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Dec 16, 2019 14:51
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Back when I worked for a different employer, I took a HSA as the cheapest insurance option, even though I never go to the doctor. This employer donated an automatic amount of several hundred dollars into the account, even if you didn't contribute any of your own salary into it. After a few years of working for this employer, I had accrued over a thousand dollars on the account, so I went to a drug store and emptied it, purchasing a bunch of Steam gift cards and Red Bulls.
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Dec 16, 2019 15:06
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health insurance in america doesn't feel like something that provides a sense of safety or relief, it feels like every time you file a claim you're rolling some dice to see what gets covered I got retroactively billed for the last 6 months of sadbrain therapy because you see... the person I'd been seeing was incorrectly classified as a "cognitive service provider" when actually they're a "behavioral service provider" which isn't covered as much so now I have a bill even though I didn't do anything wrong and here I am, a stupid dumbfuck american who is going to slap themselves in the forehead and think "wow how embarrassing" and pay the bill rather than burn down cigna's headquarters also like most people my insurance premiums are going up next year but coverage is going down lol great country
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Dec 18, 2019 18:01
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love to live in a country where you have to jump through hoops to get brain medicine but you can just buy a gun anywhere
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Dec 18, 2019 18:12
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every medical interaction ive ever had in my adult life feels like a magical ritual that teleports 3-4 digits out of my bank account if it fucks up you broke the salt circle, that’ll be $800
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Dec 18, 2019 19:15
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Hey yall, chiming in to say I have to pay my $300 quarterly insurance payment soon for actually okay insurance in the USA thanks to my strong union that cares about it's brothers and sisters. We also can get reimbursed for up to $3500 in un-covered medical expenses a year, which pretty much covers the premium I have before insurance covers about 80% of my costs. There's higher tiers (if you make more you get auto enrolled but you can buy up if you want to) that go so far as to fully cover medi-vac from the middle of the woods and poo poo. I know I'm a lucky one and feel incredibly blessed especially after having dogshit insurance from dogshit retail companies up until this point. *`~unionize your loving workplaces'~*
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Dec 19, 2019 14:22
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hell yeah
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Dec 19, 2019 15:36
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foonykins posted:Hey yall, chiming in to say I have to pay my $300 quarterly insurance payment soon for actually okay insurance in the USA thanks to my strong union that cares about it's brothers and sisters. do you get charged the cadillac tax for having healthcare that's too good?
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Dec 19, 2019 16:05
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Main Paineframe posted:do you get charged the cadillac tax for having healthcare that's too good? congress has delayed the cadillac tax every year since it's kicked in, lol.
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Dec 19, 2019 19:02
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Main Paineframe posted:do you get charged the cadillac tax for having healthcare that's too good? We punish people for having healthcare that’s too good (usually from organizing),but don’t tax the rich because it’s unfair 
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Dec 19, 2019 19:10
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skooma512 posted:We punish people for having healthcare that’s too good (usually from organizing),but don’t tax the rich because it’s unfair the Warren health plan is gonna take that a step further and punish companies for offering decent health coverage
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Dec 19, 2019 19:21
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Willa Rogers posted:congress has delayed the cadillac tax every year since it's kicked in, lol. probably the one good thing they've done. it seems like a huge gently caress-you to unionized places where they've negotiated and striked for good healthcare
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Dec 19, 2019 20:07
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Xaris posted:probably the one good thing they've done. it seems like a huge gently caress-you to unionized places where they've negotiated and striked for good healthcare also it would apply to politicians
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Dec 19, 2019 20:26
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Xaris posted:probably the one good thing they've done. it seems like a huge gently caress-you to unionized places where they've negotiated and striked for good healthcare I think it was jonathan gruber who said the cadillac tax was set at a fixed dollar amount so that everyone would eventually have to pay the tax on employer-provided insurance, and be forced to use the marketplace & its junk plans. iow, it was intentionally designed to destroy employer-provided insurance (a good goal, but only if replaced by single-payer, not crap plans).
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Dec 19, 2019 21:57
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does that appeals court ruling against ACA effect the medicaid expansion at all? that's like, literally the only good thing about the trashfire that is the ACA. yes even the pre-existing conditions is trash because insurers readily skipped around and it will just reclassify services and deny you and send a bill for a quarter million dollars anyways, its a pointless feelgood half-assed lib measure that does nothing in practice
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Dec 19, 2019 22:07
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Xaris posted:does that appeals court ruling against ACA effect the medicaid expansion at all? that's like, literally the only good thing about the trashfire that is the ACA. yes even the pre-existing conditions is trash because insurers readily skipped around and it will just reclassify services and deny you and send a bill for a quarter million dollars anyways, its a pointless feelgood half-assed lib measure that does nothing in practice The “good” parts of the ACA (essential health benefits so at least those plans cover SOMETHING, kids staying on parents plans till 26, removing pre-existings) are good in the sense that putting a tiny band aid over a gaping wound is technically better than doing nothing else. Medicaid expansion is good cause it least it gives some people health insurance who had nothing at all, even if Medicaid plans suck overall.
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Dec 22, 2019 10:50
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poo poo, my medicaid plan is better than the union insurance i used to have
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Dec 22, 2019 18:19
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got any sevens posted:poo poo, my medicaid plan is better than the union insurance i used to have This. When I was on medicaid as a grad student it was literally the best insurance I've ever had. No questions about coverage, no premiums, no copays and reasonable drug prices. Didn't have to worry about finding specialists or wait times. The insurance offered by my first employer out of grad school, 500$/pay check premium, massive copays, hosed up all ongoing treatments and any trip to the pharmacy was at least a 100$ expense. Wouldn't be the first time I had a prescription switched to cash payment for a cheaper price. loving amoxicillin 500mg tablets should not cost 300$ for a 10 day supply. Don't know who did it but, both etna and cvs can eat poo poo. To top the poo poo sandwich I got billed a year after changing jobs for something the insurances retroactively decided to not cover. The only people I know who had better coverage than my medicaid plan ARE TROOPS and use the VA.
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Dec 22, 2019 20:59
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Dec 28, 2019 01:52
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Mandoric posted:as someone who just typed that exact number in the form, the worst plan, and what i would have to select to ~complete the process and be insured~ as opposed to hoping the default to medicaid actually works, was $476 a month that's some good access right there
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Dec 28, 2019 02:30
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Azuth0667 posted:The only people I know who had better coverage than my medicaid plan ARE TROOPS and use the VA. Nothing turned me into a socialist like my time in the military. Obviously it isn't a perfect fit for civilian life and it's had problems, but we've got a home grown US commie healthcare system right there.
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Dec 28, 2019 04:16
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Lol my 82 year old grandma is currently fighting her supplemental insurance company which has decided to charge her 19000 dollars for a misdiagnosis from the hospital. America is a fuckhole.
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Dec 28, 2019 04:40
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bobtheconqueror posted:Nothing turned me into a socialist like my time in the military. Obviously it isn't a perfect fit for civilian life and it's had problems, but we've got a home grown US commie healthcare system right there. I went through cancer for free courtesy of the Navy. My doctor even reminded me I could ask for convalescent leave at any time and he would approve six months as a start, but I needed routine and did 4 day weeks instead. And if the cancer ever comes back the VA will cover it, so I dont have that dread hanging over me. Everyone should get that kind of coverage and peace of mind
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Dec 28, 2019 06:33
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Pizza Segregationist posted:what the gently caress is Obama talking about when he says people can get $10 a month health insurance. I have never heard of anyone getting insurance for anything close to that price. Just have no income and you're fine lol. Wait you needed food AND housing, too?
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Dec 28, 2019 07:20
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smarxist posted:as much as the bronze plans loving suck (they do) you should still get one for free/cheap if you can, and go to your doctors. if you have a condition that needs therapy or treatment or surgery, the insurance WILL at least get that done for you, you'll just owe an insane amount of money when its over, but at least you won't be dead..? maybe? If you're healthy, no prescriptions, aged 18-30, then you'll be better off with no insurance most of the time than buying a bronze plan. Which is why Obamacare punishes you for not buying in lmao You're meant to subsidize actual insurance for the olds by being their profit center! If you actually get sick or badly hurt then yeah you're hosed, but at least you can usually get out of hospital bills if you're poor. The whole thing is an insane & incredibly adversarial game. Vox Nihili has issued a correction as of 07:25 on Dec 28, 2019 |
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Dec 28, 2019 07:22
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healthcare in this country is a loving dystopian nightmare i've gotten to see it from so many angles now, my sibling is a RMA, i've worked in various insurance fields, and now do claims intake for a TPA handling workers comp claims and poo poo. there's a whole complex organism of grifting layered on top of healthcare, so many middlemen, in employment in general as well, i mean poo poo I'm a middle man as as third party administrator, but we organize with other third party administrators, we funnel contract workers in temp gigs into McHealthCare urgent care facilities for poo poo the entire system is built upside down to only emphasize treatment of catastrophic importance at critical junctures when there's a good chance someone will just die, rather than promoting a culture of health, proactive engaged care, and addressing the ACTUAL REASONS people are so loving banged up, broken down, depressed, anxious, self medicating, coping addicted messes. loving CAPITALISM AND INHUMAN, EXPLOITATIVE WAGE LABOR. it's like it doesn't matter how great your doctor is if they can't fix the problem. it's like if a woman goes to the doctor every 2 weeks with cracked ribs and black eyes and he's incapable of recommending she leave her abusive husband, and she's incapable of leaving him
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Dec 28, 2019 07:29
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we have entire industries, ones which our nation was founded on, predicated on making people chronically an critically ill. of course our health care is bass ackwards.
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Dec 28, 2019 07:44
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Vox Nihili posted:Just have no income and you're fine lol. The absolute cheek of it!
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Dec 29, 2019 04:02
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I went to Seattle last month and noticed tons of ppl in wheelchairs
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Dec 29, 2019 07:45
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