Posted on 11/30/2014 10:47:47 AM PST by Yaelle
I was a part of my family member's business, and as an employee of this small family business was able to get myself and 4 kids covered by a private insurance company with a great ppo plan though pricy. Every year, this coverage grew more expensive by a couple hundred a month, until this year when it has gone up by $500 a month. I can't afford it and the business will be closing in 2015.
I don't want to join CA Covered because it's ObamaCare. What do any CA FReepers do for insurance when they aren't getting it paid for through a company?
I am supposed to pay $2500 a month for 5 people. I just can't do this.
Can anyone offer some advice: how to not go to places like Kaiser but not break the bank either? I need to make the change now.
I know that, but the docs can tell which plan is subsidized, and know that their reimbursement is going to be less with more paperwork.
I suppose that depends on the procedure. But when you have CASH in HAND you will absolutely get the best deal and care available. The Doctor will become your friend overnight and will do everything possible to take care of you at a reasonable price, for the simple reason of NO PAPERWORK or BILLING./
At $900 per month for crap insurance, how would I have saved anything. My Math says I saved $500 that month!!
That is 100% not true, other than stuff like medi-cal, which docs will actively avoid.
I have a plan I bought directly from an insurance company in california. There is zero difference if I had bought it from coveredCA. The only reason I bought directly is I didn't want to participate or help coveredCA numbers. But the end result is literally the exact same plans. And I was getting no subsidy either way, but even if you do, you still end up with the same insurance plan, the same insurance card, from the same private insurance company.
NOT TRUE, to have 12 stitches put in my finger it was $400 CASH at my Doctors Office, If I had Insurance it would have been $2500 billed to Insurance Company
This is where I need higher math skills. You paid $400 cash, whereas with insurance you only paid $100. Then to factor in what you paid for the insurance - and yet tease out the fact that your insurance is to be there in a catastrophe BESIDES helping pay for this finger injury. Which one was cheaper?
The broke takers are the only ones that like it.
My wIfe saw an immediate 300% increase in premiums.
1 year of premiums saved allows me to fly first class to the Surgery Center of Oklahoma and get First Class Treatment for most medical necessities.
http://www.surgerycenterok.com/
Check out the prices
Those plans have group numbers on them. That is how you can tell. Also, those plans come with high deductibles. That is a red flag to the physician.
I’m sorry. Yes, we are in a similar situation.
How can children get their own policies if obama wants them on ours until they are 26?
You are right, if that is you only medical expense, you will win that month. You will win on $400 stitches, but might lose on a $8000 MRI or a $80,000 heart bypass.
It is a risky game - one that is fair to play with yourself (i did for years), but I wouldn't recommend it for a family.
Walmart has nearly 200 generic Rx drugs on their $4 price sheet and these are much cheaper than their equivalents at Canadian mail-order pharmacies.
High deductible plans aren’t the same as subsidized plans. I have a high deductible plan, and no subsidy, and no additional paperwork for doctors. I’ve never heard of a doctor caring about anything other than the health insurance company, and they don’t even know what the specifics of your plan until you are in the office after they’ve taken your appointment.
I am way ahead of the game by NOT having ObozoCare. Just Bank the Money you would normally pay in Premiums for insurance that NO DOCTOR accepts anymore. I am about $20k ahead so far.
Fortunately neither of us have any medical issues.
If I play this right I will become an Indigent Person for Medical Procedures and Insurance purposes ONLY.
This scenario will become rarer and rarer as there will be very few independent doctors to play this cash game. The majority of physicians are affiliated with hospitals now which have departments to do insurance claims and billing and your cash is of no advantage to them. You will also find as an insured patient that negotiated procedure costs ARE much lower in a hospital or hospital-affiliated clinic.
They did not have the medicines my father was prescribed at those prices. They were all Full Price Medications.
Neither would I. Doesn't sound responsible to me.
You can only put a few thousand into a HSA. Is it worth it? You have to have a high deductible policy, which means you have to pay cash for everything I guess.
I have never heard of a private practice doctor with this problem. Can you provide more information?
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.