Forget the insurance.
Watch out for the deductable. For example you have to run up a 10,000 dollar ER bill before the insurance starts paying. (It has to be paid in full before insurance starts paying)
You can have a deductable of 10,000 and if you are paying 9000 a year in premiums and have to go to the Trauma or ER you can discover that bill is generated by midnight and adding up at a few thousand per day. Your premiums don't matter.
A friend of mine spent a week in the world renowned shock trauma in Maryland near Hopkins and that billing was a cool 100,000 when they got through saving his life in 5 days.
My last billing against medicare in the hosptial was 14,000 in october, a further 7000 in January and then backed by three local surgery centers this year at 5000 each so far. All of which is paid because my deductable of 1350 is met. We have at least another 24,000 in charges pending to be generated in the next 6 weeks when the docs do more procedures against my body in surgery.
My personal record for basic ER visit was 9000 dollars in 3 hours. 2000 of that paid for two people to do nothing but math work in the dallas blood lab after about 40 or so of my blood samples got there to be tested priority.
My favorite line item is a IV butterfly. Once installed into the hand, arm or wherever there is a connection to blood on me, they can stick 50 needles into it and run a IV at the same time without stick stick stick stick ow ow ow ow.
Those run about 45 dollars each in billing.
The IV salt water saline hanging above your head? 5.00 retail. 200.00 billed by Hospital.
Average industry health insurance?
Discussion in 'Questions From New Drivers' started by AlaskanDad, Aug 18, 2018.
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My company has high premiums and low deductibles, plus AFLAC. Just a tick over $200/week is deducted from my paycheck but we only have a $1000/person deductible. The insurance company has certainly shelled out some money for my wife and I over the past 13 years.
A couple of years ago, with a couple of claims, AFLAC paid us back virtually every penny we had paid them over the years. -
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Everyone runs down union jobs, but I'm paying $16 a week union dues for really good health care. I'm not the biggest union cheerleader but the job was worth it just for that
TugHillRider, bottomdumpin, rabbiporkchop and 1 other person Thank this. -
We're paying $600 a month for 2 adults, no kids, no tabacco. Deductible is $2500 a person in network and $4000 out of network and 20% co-pay.
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I do pay 60 a week for it, but 240 a month is comparable to many companies weekly co pay on the premium.
Not to mention i just made 1k in 9 hours....Canned Spam, bottomdumpin and rabbiporkchop Thank this. -
Extended health care( dental, drugs, massage etc)$100 a month. Zero deductible. That is total cost of health care costs
rabbiporkchop Thanks this. -
This year Im fixing just to purchase the frames and transfer the lenses after 10 years on the old pair.rabbiporkchop Thanks this.
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