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6 Cylinduh, Really Bruh?
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Why is it so expensive? I don't get it. My wife and I are covered by our jobs; however, it's now time that I need to get my daughter covered. She was covered by the state earlier in life due to complications.

My job wants $87 a week
My wife's job wants $350 a month
Florida Kid Care, government program, wants $200 a month due to income my wife and I make.

We are now debating on moving into a smaller place just to afford health insurance (We are renting a house and saving to buy). This is insane! What have others done in this circumstance? This is blowing my mind with these high costs.
 

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Its due to having to pay for people that don't have insurance and since they know that you need it they can charge you whatever they want. Insurance is such a huge rip off I get sick talking about it. you have an issue and you know what you need to have done by a doc or take a certain med prescribed by a doc and the insurance company will fight you all the way just because they don't want to pay even though we pay our premium every month. I say this because my sister is going through this right now and the hoops she is having to jump through with the insurance company is insane even though the doctors are telling the insurance company that this is what she needs. While she is having to do this she having to suffer and deal with the pain when if she got the meds she could have her issue eleviated if not totally fixed.

Also not to turn this political but wait until Obama care fully kicks in next year. You think the premiums are high now just wait and see what they go up to. Mine have already gone up a little bit when I last enrolled and the insurance guy flat out said it was due to Obama care.
 

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So true,insurance is the biggest rip off there is,and obama care will just make it worse.The more they charge,the less they want to cover-going through it right now-......
 

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Not a Rational Car Guy
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Get ready for Obama care to hit...
 

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Bo Baustin
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Insurance isn't a huge rip off if you have major issues.. My mom got cancer and she would have been in debt a little over $300,000.. She is out of pocket only a few grand.

I don't know man, see if you can find a local health care agent around that could get you a quote.
 

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Like was said above, Insurance is expensive because we have to pick up all the slack of the welfare rats. I personally visit the Doctor 1 time per year, and the Dentist 2 times per year. If I have aches and pains, colds, flu etc in between, I don't run to the ER. All you have to do is go into the ER on a Friday night. I would bet half the people who in there are not insured and they are in there for very minor issues or seeking pills.

One of the reasons I chose my profession was because it has great health insurance. I pay $37 a week for Blue Cross Blue Shield Family Plan and $0 for my dental. I have had three daughters born, , one of my daughter's had her tonsils and adnoids out, and my wife went through Breast Cancer. I didn't have to pay anything out of pocket except small co-pays etc. I also take the risk of getting killed everyday I work, miss a lot of family time/holidays, work 12 hour overnight shifts, and deal with shitheads to get the insurance protection for my family.

Odessa, do what ever you have to keep your family covered, I wish I had a good solution for you.
 

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With the times that my wife has been to the Hospital and the kids if we didn't have insurance it would have dug deep into our pockets bc when the statements come in they show you how much the insurance payed even if you had to pay like a $12 co pay. Our dental cost the most though but my healthcare cost is through Tricare and it covers me, the wife and the three kids and it's $19 a month. I think I think I had to pay like $100+ a one time payment to start it off once I got on retired status going from active. Dental is over $100 a month though.

---------- Post added at 12:44 AM ---------- Previous post was at 12:43 AM ----------

Insurance isn't a huge rip off if you have major issues.. My mom got cancer and she would have been in debt a little over $300,000.. She is out of pocket only a few grand.

I don't know man, see if you can find a local health care agent around that could get you a quote.
Agreed try to shop around if possible.
 

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Health, dental, and visiom for my wife, son, and I is like $300 every 2 weeks. I will say, it is a nice piece of mind knowing that IF something were to happen, it is there. I've seen too many people's lives ruined because they got injured or sick and had absolutely nothing.
 

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6 Cylinduh, Really Bruh?
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Discussion Starter #9
@Lefty- Don't even get me started on Obama :headscratcher:

@T.Lee- I used to love being on Tricare when I was younger as my dad was in the Army. Amazing health insurance.

I've been to the ER here in Tampa a time or two for either myself or to see someone there. It's always packed and just a quick glance at the people in there tells you they probably don't have the best of job or they can't speak English at all. I am profiling, I know. :curtsy:

ooo2mustang- $600 a month for insurance? That's insane to me.

I've been shopping online a bit, but it seems of course the Government funded program is going to be the best. My little girl was only born at 1 lb 12 oz so I need good coverage.

This just goes to show how much money can really get you in this world.
 

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I'm self employed so I don't have health insurance. Just had a kidney stone about 2 months ago. 3 hours at the ER, IV meds and CT scan. $5100.00. That's why it's so high.
 

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The soul stealing Ginger
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I dread the day that i am no longer coverd by my parents health insurance, I'm currently 24, have had Ulcerative colitis for 8 years, had my colon removed 3 1/2 months ago, I'm scared to see what health insurance companies i would be able to go to and what the premiums are going to be....hopefully by then i am making more money because otherwise i will be in the hole.
 

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I'm self employed so I don't have health insurance. Just had a kidney stone about 2 months ago. 3 hours at the ER, IV meds and CT scan. $5100.00. That's why it's so high.
I dread the day that i am no longer coverd by my parents health insurance, I'm currently 24, have had Ulcerative colitis for 8 years, had my colon removed 3 1/2 months ago, I'm scared to see what health insurance companies i would be able to go to and what the premiums are going to be....hopefully by then i am making more money because otherwise i will be in the hole.
I would look at the post right above yours bc he doesn't have insurance and wonder how much your cost would be in the future IF you chose not to have health coverage vs the cost of premiums!
 

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The soul stealing Ginger
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I would look at the post right above yours bc he doesn't have insurance and wonder how much your cost would be in the future IF you chose not to have health coverage vs the cost of premiums!
i never implied i wasnt going to get something, fact is i HAVE to have something for those uncertain times when my new internal way of life is not acting as it should, and from what i have read it happens and will happen. definitely going to have some kind of insurance.
 

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I dread the day that i am no longer coverd by my parents health insurance, I'm currently 24, have had Ulcerative colitis for 8 years, had my colon removed 3 1/2 months ago, I'm scared to see what health insurance companies i would be able to go to and what the premiums are going to be....hopefully by then i am making more money because otherwise i will be in the hole.
I would look at the post right above yours bc he doesn't have insurance and wonder how much your cost would be in the future IF you chose not to have health coverage vs the cost of premiums!
i never implied i wasnt going to get something, fact is i HAVE to have something for those uncertain times when my new internal way of life is not acting as it should, and from what i have read it happens and will happen. definitely going to have some kind of insurance.
I didn't misread your post I understood what you were saying. My post was more so hypothetically speaking that's why I capitalized "IF you chose not to" in my response.
 

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$70 a month here. Full Vision, Dental, and Medical coverage including life insurance :)

There's a lot of misinformation in this thread. There are lots of factors in the total cost of insurance. A majority of it comes down to availability of physcians, physician networks, and quality of care in a region stacked up against negotiated rates. The quality of ones care comes down to a doctor who has the most up to date technology from a consumer standpoint. For hospitals and systems to stay competative they have to constantly repliace multi-million dollar equipment in as fast as two years (MRI machines for example) just to have the biggest and the baddest to keep their quality scores and continue to broaden their geographic reach.

As the cost for this equipment goes up, charges increase for services, negotiated insurance rates rise, and the premium increases. You can't ONLY blame the unisured. If you want to lower cost, you have to change the entire model of healthcare from pharmacuedical companies, medical equipment vendors, and patient care models (forcing patients to visit their family doc first before going stragith to a very expensive specialist for a "2nd opinion").

I could go on....
 

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$70 a month here. Full Vision, Dental, and Medical coverage including life insurance :)

There's a lot of misinformation in this thread. There are lots of factors in the total cost of insurance. A majority of it comes down to availability of physcians, physician networks, and quality of care in a region stacked up against negotiated rates. The quality of ones care comes down to a doctor who has the most up to date technology from a consumer standpoint. For hospitals and systems to stay competative they have to constantly repliace multi-million dollar equipment in as fast as two years (MRI machines for example) just to have the biggest and the baddest to keep their quality scores and continue to broaden their geographic reach.

As the cost for this equipment goes up, charges increase for services, negotiated insurance rates rise, and the premium increases. You can't ONLY blame the unisured. If you want to lower cost, you have to change the entire model of healthcare from pharmacuedical companies, medical equipment vendors, and patient care models (forcing patients to visit their family doc first before going stragith to a very expensive specialist for a "2nd opinion").

I could go on....
That's a damn good rate imo. It sounds like you are well informed on this very topic(I'm not personally) vs some of the usual rhetoric that is usually spewed in various circles when it comes to the topic of the cost of health care. So to contribute so damn good information to this thread I think you should continue to "go on"!!!
 

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That's a damn good rate imo. It sounds like you are well informed on this very topic vs some of the usual rhetoric that is usually spewed in various circles when it comes to the topic of the cost of health care so to contribute so damn good information to this thread I think you should continue to "go on"!!!
Haha well thanks, this is what I eat, breath, and sleep every day. People are quick to blame the government or insurance companies for costs when its a much more tangled web than that. There are things you can do as a patient to reduce your costs, and thats where it all starts. Establishing yourself with a family doctor or PCP is the first step. Transforming care to a proactive (preventative care) case instead of a reactive one. If you only seek the doctor when you are injured or ill your costs are going to be higher.

Getting your shots, screenings, and meeting with a doctor on a regular basis can actually LOWER you costs year to year. When you need higher level care, a referral from your family doctor to a specialist will actually save you money than just seeing the specialist separately. The specialist will often do repeat diagnostic tests that will cost YOU versus just reading what your family doctor had already evaluated.

My last point, more specifically to the OP, take control of your health. You do have some power with insurance companies. Call them, or speak to your employer, about seeing if there are incentive programs or premium breaks for getting annual screenings or physicals. Some will even inform you that preventative care visits are free or don't require co-pays. Sometimes they will offer this incentive plan to your entire employer. While these things aren't often advertised they can be helpful.
 

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^ reps for two informative post on this matter!
 
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