Can someone explain this Obamacare shit to me?
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just thought Id check back in to look at the first pic. Man on man, those fat stretch marked boobies. Would totally motorboat the fuck out of em.
[ame=http://www.youtube.com/watch?v=eBtN1i3O4fY]Motorboat - YouTube[/ame]
[ame=http://www.youtube.com/watch?v=eBtN1i3O4fY]Motorboat - YouTube[/ame]
I am uninsured. I had my appendix out in January at a very nice private hospital. It would have been like $45k but since I was paying out of pocket, they automatically reduced it to like $14k. A fair price to pay to be alive, I concluded.
After deductible and your coinsurance of 30% or so, you'd likely have paid more if you DID have insurance. Nice.
I had emergency gall bladder surgery back in October. The final bill was $29K, I paid $1,400~ after all was said and done.
I pay $550 per month for coverage of a family of 3.
You people are crazy if you do not have even basic coverage.
$29,000 - $1,400 = $27,600.
Who paid the $27,600 for you?
Your answer will determine whether you are versed in economics or are a wizard.
Over the coarse of that year you paid $8000. Also, your numbers don't work out unless you'd already met your deductible for the year. If you continue doing that for the next 10 years you'll be out, as premiums rise, over 100k.
That surgery might have only run you $5k on a cash basis.
I'm of the opinion you keep catastrophic coverage for massive coma-like bills, and negotiate cash for everything else. Sadly, thanks to ACA, this may not really be an option as the new catastrophic plans have high coinsurance levels.
Consider yourself lucky. When I went self employed full time in 2008, I was paying $1600 a month for family.
No medical problem, no prior issues, no pre-existing, etc. I hardly went to the doctor.
I took a day job in 2011 for a former employer that wanted me to come work on a project for them that I left back in 2006 and they provided me insurance. I was paying $1300 out of my own check for family then as well and this was with employer health insurance. Again, no issues medically.
When I went back to self employement, I got wiser and went direct ( no agent ) and did some deep research into my medical history ( amount of times I went, if I ever hit deductible, etc ) and ended up on a family plan that only costs $430 a month with Anthem.
Granted, I only get 3 DR. visits per person a year, but considering I never hit my deductibles before ever ( $1500 average deductible I had before ) I went with a $3k deductible per person and 6k family. Its almost end of the year and I just used up my 3rd visit for myself and haven't had to pay into my deductible yet for anyone in my family. I also decided to ditch Vision and Dental as I figured out the amount I was paying for both in yearly fees would equal the amount I was paying yearly to the doctor anyways out of pocket.
Its amazing the discount and better treatment you get from the dentist and eye doctors when you pay in full and in cash. I routinely get a $100-$200 discount per person when we go in for dental and vision check ups and pay in cash.
For this to work though, you really need to know your medical history, freq. of usage, and what the outcomes look like for your future.
$29k is outrageous. Most of that is usually facility fees from the so-called non-profit hospitals. Check the prices here:
Procedures | Surgery Center of Oklahoma
Most of the prices are in the $3k-$6k range. If I decide to cancel my insurance because of the Unaffordable Care Act, I'll get any surgery at that facility.