Republicans (2nd) worst nightmare...

[houndawg]

Says some dipshit stupid enough to believe that his insurance company will put his health ahead of their profits.

Thanks for sharing. Maybe a little more "seasoning" over at the Developmental League on AGS is in order We'll call you..

Yea, that is it, have you been sleeping to close to the cooker or are you genetically deficient. I bet you play a banjo and sit on a front porch.

Your envy of all things houndawg is duly noted. Judging by your musical barb it appears that your wife likes banjo players. Which makes sense in your case.

[clenz]

What is it about you, your company or Iowa that makes it so expensive? Our family of 3 is about $500/mo.

No idea.

We are healthy, as a family.
No preexisting
No real family history of any major issues

We've looked at the health exchange and it's not really any better

[Ibanez]

What is it about you, your company or Iowa that makes it so expensive? Our family of 3 is about $500/mo.

No idea.

We are healthy, as a family.
No preexisting
No real family history of any major issues

We've looked at the health exchange and it's not really any better

It's Iowa.

[clenz]

No idea.

We are healthy, as a family.
No preexisting
No real family history of any major issues

We've looked at the health exchange and it's not really any better

It's Iowa.

The company offers "discounts" if you meet certain criteria and keep risk factors low, but max discount vs highest payment is less than 2 grand in monthly premiums for the year and it's pretty damn tough to get the max discounts. I don't remember exactly what it was but both you and your spouse have to have zero of the risk factors to get the full discount. 1-2 is like 1,300 savings for the year.

One of the risk factors is waste size over 35. Well, back when I was a college football player with roughly 14-15% body fat at 220lbs I had a 37-38 waste size. I have a naturally wide build. A decade of poor choices and life later I'm not that anymore. If I couldn't meet that at my peak physical fitness no way I'm getting there at this point.

One other risk factor is if a grandfather had a stroke. There's strike two and both of TBH's grandparents are still alive so that could still happen

One other criteria is weight. If you're over the "healthy" weight that's a strike. Well, I was over the healthy weight going back to 6th grade. The top side of "healthy" is 184. I honestly can't imagine what I'd be at 184. Like I said, at 221 in college I was 14-15% body fat. My shoulders are ~23-24" wide..can't get a great solo measurement. Average for a 6" male is ~18" according to google. I can't buy a sport coat/suit jacket from a rack. I have to have it custom ordered. When I was measured for my wedding tux the guy measured 4 times because he couldn't believe it. A guy at 6" tall, with 23" shoulders and a baseline of ~37" (going back to when I was in top shape) waste at 175lbs is not a good look. So there's strike three... Even at my peak physical fitness I didn't avoid this criteria.

One criteria is mental heath, which I can appreciated. However, if you've ever been diagnosed with depression it checks as a risk. Well...shit. Just ignore all the work I've put in with a counselor, and on my own to be able live life without medication. To live life to the point no one that knows me would know unless I told them. Just ignore that.


There are about 8 other criteria as well.

Long story short this version of me checks off two risk factors - well three, because I'd already lost one grandfather to a stroke




That's just me and we are at the max payment. That's none of TBH's potential factors taken into account.

Never mind my blood pressure is perfect. Never mind I've never had a serious illness. Never mind how little I actually go to the doctor. None of that matters simply because my body type doesn't meet the 6' tall skinny dude that can easily fit into skinny jeans.

[catbooster]

It's Iowa.

The company offers "discounts" if you meet certain criteria and keep risk factors low, but max discount vs highest payment is less than 2 grand in monthly premiums for the year and it's pretty damn tough to get the max discounts. I don't remember exactly what it was but both you and your spouse have to have zero of the risk factors to get the full discount. 1-2 is like 1,300 savings for the year.

One of the risk factors is waste size over 35. Well, back when I was a college football player with roughly 14-15% body fat at 220lbs I had a 37-38 waste size. I have a naturally wide build. A decade of poor choices and life later I'm not that anymore. If I couldn't meet that at my peak physical fitness no way I'm getting there at this point.

One other risk factor is if a grandfather had a stroke. There's strike two and both of TBH's grandparents are still alive so that could still happen

One other criteria is weight. If you're over the "healthy" weight that's a strike. Well, I was over the healthy weight going back to 6th grade. The top side of "healthy" is 184. I honestly can't imagine what I'd be at 184. Like I said, at 221 in college I was 14-15% body fat. My shoulders are ~23-24" wide..can't get a great solo measurement. Average for a 6" male is ~18" according to google. I can't buy a sport coat/suit jacket from a rack. I have to have it custom ordered. When I was measured for my wedding tux the guy measured 4 times because he couldn't believe it. A guy at 6" tall, with 23" shoulders and a baseline of ~37" (going back to when I was in top shape) waste at 175lbs is not a good look. So there's strike three... Even at my peak physical fitness I didn't avoid this criteria.

One criteria is mental heath, which I can appreciated. However, if you've ever been diagnosed with depression it checks as a risk. Well...****. Just ignore all the work I've put in with a counselor, and on my own to be able live life without medication. To live life to the point no one that knows me would know unless I told them. Just ignore that.


There are about 8 other criteria as well.

Long story short this version of me checks off two risk factors - well three, because I'd already lost one grandfather to a stroke




That's just me and we are at the max payment. That's none of TBH's potential factors taken into account.

Never mind my blood pressure is perfect. Never mind I've never had a serious illness. Never mind how little I actually go to the doctor. None of that matters simply because my body type doesn't meet the 6' tall skinny dude that can easily fit into skinny jeans.

Look on the bright side - you don't wear skinny jeans.

[Grizalltheway]

The company offers "discounts" if you meet certain criteria and keep risk factors low, but max discount vs highest payment is less than 2 grand in monthly premiums for the year and it's pretty damn tough to get the max discounts. I don't remember exactly what it was but both you and your spouse have to have zero of the risk factors to get the full discount. 1-2 is like 1,300 savings for the year.

One of the risk factors is waste size over 35. Well, back when I was a college football player with roughly 14-15% body fat at 220lbs I had a 37-38 waste size. I have a naturally wide build. A decade of poor choices and life later I'm not that anymore. If I couldn't meet that at my peak physical fitness no way I'm getting there at this point.

One other risk factor is if a grandfather had a stroke. There's strike two and both of TBH's grandparents are still alive so that could still happen

One other criteria is weight. If you're over the "healthy" weight that's a strike. Well, I was over the healthy weight going back to 6th grade. The top side of "healthy" is 184. I honestly can't imagine what I'd be at 184. Like I said, at 221 in college I was 14-15% body fat. My shoulders are ~23-24" wide..can't get a great solo measurement. Average for a 6" male is ~18" according to google. I can't buy a sport coat/suit jacket from a rack. I have to have it custom ordered. When I was measured for my wedding tux the guy measured 4 times because he couldn't believe it. A guy at 6" tall, with 23" shoulders and a baseline of ~37" (going back to when I was in top shape) waste at 175lbs is not a good look. So there's strike three... Even at my peak physical fitness I didn't avoid this criteria.

One criteria is mental heath, which I can appreciated. However, if you've ever been diagnosed with depression it checks as a risk. Well...****. Just ignore all the work I've put in with a counselor, and on my own to be able live life without medication. To live life to the point no one that knows me would know unless I told them. Just ignore that.


There are about 8 other criteria as well.

Long story short this version of me checks off two risk factors - well three, because I'd already lost one grandfather to a stroke




That's just me and we are at the max payment. That's none of TBH's potential factors taken into account.

Never mind my blood pressure is perfect. Never mind I've never had a serious illness. Never mind how little I actually go to the doctor. None of that matters simply because my body type doesn't meet the 6' tall skinny dude that can easily fit into skinny jeans.

Look on the bright side - you don't wear skinny jeans.

Bite your tongue, sir. BITE YOUR TONGUE!

[houndawg]

It's Iowa.

The company offers "discounts" if you meet certain criteria and keep risk factors low, but max discount vs highest payment is less than 2 grand in monthly premiums for the year and it's pretty damn tough to get the max discounts. I don't remember exactly what it was but both you and your spouse have to have zero of the risk factors to get the full discount. 1-2 is like 1,300 savings for the year.

One of the risk factors is waste size over 35. Well, back when I was a college football player with roughly 14-15% body fat at 220lbs I had a 37-38 waste size. I have a naturally wide build. A decade of poor choices and life later I'm not that anymore. If I couldn't meet that at my peak physical fitness no way I'm getting there at this point.

One other risk factor is if a grandfather had a stroke. There's strike two and both of TBH's grandparents are still alive so that could still happen

One other criteria is weight. If you're over the "healthy" weight that's a strike. Well, I was over the healthy weight going back to 6th grade. The top side of "healthy" is 184. I honestly can't imagine what I'd be at 184. Like I said, at 221 in college I was 14-15% body fat. My shoulders are ~23-24" wide..can't get a great solo measurement. Average for a 6" male is ~18" according to google. I can't buy a sport coat/suit jacket from a rack. I have to have it custom ordered. When I was measured for my wedding tux the guy measured 4 times because he couldn't believe it. A guy at 6" tall, with 23" shoulders and a baseline of ~37" (going back to when I was in top shape) waste at 175lbs is not a good look. So there's strike three... Even at my peak physical fitness I didn't avoid this criteria.

One criteria is mental heath, which I can appreciated. However, if you've ever been diagnosed with depression it checks as a risk. Well...****. Just ignore all the work I've put in with a counselor, and on my own to be able live life without medication. To live life to the point no one that knows me would know unless I told them. Just ignore that.


There are about 8 other criteria as well.

Long story short this version of me checks off two risk factors - well three, because I'd already lost one grandfather to a stroke




That's just me and we are at the max payment. That's none of TBH's potential factors taken into account.

Never mind my blood pressure is perfect. Never mind I've never had a serious illness. Never mind how little I actually go to the doctor. None of that matters simply because my body type doesn't meet the 6' tall skinny dude that can easily fit into skinny jeans.

Something doesn't seem right for a guy your age that doesn't smoke or have high blood pressure to be paying that much. We don't pay that much and we're over 60.

[clenz]

Something doesn't seem right for a guy your age that doesn't smoke or have high blood pressure to be paying that much. We don't pay that much and we're over 60.

I'd have to double check exact statement figures but it's between 6-700 a month.

It's a dogshit insurance company is likely 99% of the issue.

[Ibanez]

Something doesn't seem right for a guy your age that doesn't smoke or have high blood pressure to be paying that much. We don't pay that much and we're over 60.

I'd have to double check exact statement figures but it's between 6-700 a month.

It's a dogshit insurance company is likely 99% of the issue.

6-$700 a month, i get that. But a $10k deductible?! I mean, you chose that deductible. But $10k! I've had my own insurance since 2006 and I have never seen that as an option. Maybe for families with multiple children.

[clenz]

I'd have to double check exact statement figures but it's between 6-700 a month.

It's a dogshit insurance company is likely 99% of the issue.

6-$700 a month, i get that. But a $10k deductible?! I mean, you chose that deductible. But $10k! I've had my own insurance since 2006 and I have never seen that as an option. Maybe for families with multiple children.

There was a lower deductible option, but the increase in monthly premiums made it a complete wash at the end of the year.

Known how little TBH and I visit the doctor we went with the option that is actually cheaper, assuming both of us stay/stayed relatively healthy.

[Gil Dobie]

My neighbor is part of the nurse strike in the Twin Cities. The hospital is trying to force them to accept a health plan with a $7000 deductible, and pay 10% after that. More or less a catastrophic plan.

[SDHornet]

I'd have to double check exact statement figures but it's between 6-700 a month.

It's a dogshit insurance company is likely 99% of the issue.

6-$700 a month, i get that. But a $10k deductible?! I mean, you chose that deductible. But $10k! I've had my own insurance since 2006 and I have never seen that as an option. Maybe for families with multiple children.

I'm thinking they are only offering catastrophic coverage. My wife and I are on that through our work (single or married with no kids is the only reason to ever only have catastrophic coverage, our company incentivises being on this plan via kickbacks into an HSA) and while our premiums are low (<$350 a month for both of us), our deductible is $3500 per person per year and we pay as we go for all non preventative visits/procedures. Also we get no deals on drugs.

That said, I work at an employee owned company that is no doubt picking up a significant portion of the tab. We are through BCBS.

Not sure your whole situation clenz (didn't really read all the posts) but it may be cheaper to just not have insurance, pay the "fee" for doing so, and just ask for the cash price when you make doctor visits (like a lot of my illegal kin that come here). Of course you have kids and assets so that route may be too risky.

[Ibanez]

6-$700 a month, i get that. But a $10k deductible?! I mean, you chose that deductible. But $10k! I've had my own insurance since 2006 and I have never seen that as an option. Maybe for families with multiple children.

I'm thinking they are only offering catastrophic coverage. My wife and I are on that through our work (single or married with no kids is the only reason to ever only have catastrophic coverage, our company incentivises being on this plan via kickbacks into an HSA) and while our premiums are low (<$350 a month for both of us), our deductible is $3500 per person per year and we pay as we go for all non preventative visits/procedures. Also we get no deals on drugs.

That said, I work at an employee owned company that is no doubt picking up a significant portion of the tab. We are through BCBS.

Not sure your whole situation clenz (didn't really read all the posts) but it may be cheaper to just not have insurance, pay the "fee" for doing so, and just ask for the cash price when you make doctor visits (like a lot of my illegal kin that come here). Of course you have kids and assets so that route may be too risky.

But the ACA was going to make healthcare more affordable. Everything was supposed to be candy canes and bunny rabbits on double rainbows!

[kalm]

6-$700 a month, i get that. But a $10k deductible?! I mean, you chose that deductible. But $10k! I've had my own insurance since 2006 and I have never seen that as an option. Maybe for families with multiple children.

I'm thinking they are only offering catastrophic coverage. My wife and I are on that through our work (single or married with no kids is the only reason to ever only have catastrophic coverage, our company incentivises being on this plan via kickbacks into an HSA) and while our premiums are low (<$350 a month for both of us), our deductible is $3500 per person per year and we pay as we go for all non preventative visits/procedures. Also we get no deals on drugs.

That said, I work at an employee owned company that is no doubt picking up a significant portion of the tab. We are through BCBS.

Not sure your whole situation clenz (didn't really read all the posts) but it may be cheaper to just not have insurance, pay the "fee" for doing so, and just ask for the cash price when you make doctor visits (like a lot of my illegal kin that come here). Of course you have kids and assets so that route may be too risky.

Our drugs are $10 per prescription across the board and not a part of our deductible so we pay that price all year. That saves over $200/month.

When the ACA went down a few years back, our masseuse turned us on to her insurance broker. He steered is in the right direction and our premiums, coverage, and deductibles have remained reasonable.

He called me last November out of the blue and said our plan with Lifewise was about to change and that drugs would no longer be covered until the deductible was met. I called Lifewise and they said that wasn't true, that the only change was in network providers outside of the state.

The broker called me back in December to see if I wanted to switch insurance companies and I told him no. He did further research and showed me exactly how the information I received from Lifewise was incorrect. Because the switch in companies didn't occur until January we had to go a month without the drug discount. I paid $280 for our pills that month.

That broker helped a bunch. Not a bad idea to talk to one if you're paying through the nose like Clenzy.

[YoUDeeMan]

Also we get no deals on drugs.

I think D1B and Julian can resolve that issue for you...give them a call.

[SDHornet]

Also we get no deals on drugs.

I think D1B and Julian can resolve that issue for you...give them a call.