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OfflineCracked Egg
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Registered: 02/22/20
Posts: 991
Last seen: 1 hour, 21 minutes
Why is insurance so confusing...
    #27219900 - 02/22/21 11:22 AM (4 days, 3 hours ago)

As most of you know, I broke my foot last week.. of course I have insurance so my wife called up to get some info.. our deductible is 3k. We pay 3k and they cover 90% of everything else. That's fucking great for serious situations. My foot is not serious..

So.. we decided to pay out of pocket.. I went to an urgent care center and then was referred to an orthopedic doctor.

I decided to call around since I'll be paying out of pocket..

The first person I called said I need to figure out what my Allowed Amount is.. she said it will help with what I have to pay out of pocket..

I get on the phone with my insurance company and explained to them the situation. She didn't understand what I was talking about. She then tells me I need to continue to pay until I reach the 3k mark..

No... I said.. my foot will not be more than 3k as I do not need surgery. I told her I will be paying out of pocket but would like to stay in house.. more confusion from both parties.

WHAT THE FUCK IS GOING ON!?

I need to see a fucking orthopedic doctor but I'm not going to pay the deductible..


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People Say I'll Regret That In the Morning, So I Sleep Till Noon..


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OfflineCracked Egg
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Registered: 02/22/20
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Re: Why is insurance so confusing... [Re: Cracked Egg]
    #27219904 - 02/22/21 11:23 AM (4 days, 3 hours ago)

I think what she was saying is whatever I pay it will automatically go towards the deductible, but I'm trying to pay the least amount...

I would just ride it out but I have documents that need to be signed for my fmla..


--------------------
People Say I'll Regret That In the Morning, So I Sleep Till Noon..


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Onlinechristopera
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Re: Why is insurance so confusing... [Re: Cracked Egg]
    #27219905 - 02/22/21 11:24 AM (4 days, 3 hours ago)

It’s setup to profit not to take care of you.


--------------------
A Dorito is pizza, change my mind.

Bank and Union with The Shroomery at the Zuul on The internet - now with %'s and things

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OfflineCracked Egg
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Re: Why is insurance so confusing... [Re: christopera]
    #27219907 - 02/22/21 11:26 AM (4 days, 3 hours ago)

I get that, but I need to see the ortho regardless and would like to do so while paying the least amount possible..


--------------------
People Say I'll Regret That In the Morning, So I Sleep Till Noon..


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OfflineDilsnique
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Re: Why is insurance so confusing... [Re: Cracked Egg]
    #27219918 - 02/22/21 11:29 AM (4 days, 3 hours ago)

The better to rip you off, my darling....



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OfflineCracked Egg
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Re: Why is insurance so confusing... [Re: Dilsnique]
    #27219927 - 02/22/21 11:32 AM (4 days, 3 hours ago)

I don't know why I thought I could get some clarification here...

:lolsy:


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People Say I'll Regret That In the Morning, So I Sleep Till Noon..


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OfflineDilsnique
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Re: Why is insurance so confusing... [Re: Cracked Egg]
    #27220014 - 02/22/21 12:14 PM (4 days, 2 hours ago)

You asked "Why is insurance so confusing?"

My response "To make it easier to rip yo ass off"


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Offlinekoods
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Registered: 05/27/11
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Re: Why is insurance so confusing... [Re: christopera]
    #27220018 - 02/22/21 12:18 PM (4 days, 2 hours ago)

Quote:

christopera said:
It’s setup to profit not to take care of you.




He needs to get some value out of that plan. He needs to break more bones.


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I am a violent pusher of the neo-marxist SJW agenda to destroy society.


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Offlinekoods
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Re: Why is insurance so confusing... [Re: Dilsnique]
    #27220025 - 02/22/21 12:20 PM (4 days, 2 hours ago)

Quote:

Dilsnique said:
You asked "Why is insurance so confusing?"

My response "To make it easier to rip yo ass off"




He needs a proctologist for that


--------------------
I am a violent pusher of the neo-marxist SJW agenda to destroy society.


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OfflineCracked Egg
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Registered: 02/22/20
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Re: Why is insurance so confusing... [Re: koods]
    #27220113 - 02/22/21 01:05 PM (4 days, 1 hour ago)

This gives me an idea.. an everybody wins idea..

You pay me to break my bones.. can even get into sub catagories.

Ranging from hands/ 1 bone.. to car/ as many as you can get..


--------------------
People Say I'll Regret That In the Morning, So I Sleep Till Noon..


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OfflinePatlal
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Re: Why is insurance so confusing... [Re: Cracked Egg]
    #27220127 - 02/22/21 01:13 PM (4 days, 1 hour ago)

Quote:

Cracked Egg said:
As most of you know, I broke my foot last week.. of course I have insurance so my wife called up to get some info.. our deductible is 3k. We pay 3k and they cover 90% of everything else. That's fucking great for serious situations. My foot is not serious..

So.. we decided to pay out of pocket.. I went to an urgent care center and then was referred to an orthopedic doctor.

I decided to call around since I'll be paying out of pocket..

The first person I called said I need to figure out what my Allowed Amount is.. she said it will help with what I have to pay out of pocket..

I get on the phone with my insurance company and explained to them the situation. She didn't understand what I was talking about. She then tells me I need to continue to pay until I reach the 3k mark..

No... I said.. my foot will not be more than 3k as I do not need surgery. I told her I will be paying out of pocket but would like to stay in house.. more confusion from both parties.

WHAT THE FUCK IS GOING ON!?

I need to see a fucking orthopedic doctor but I'm not going to pay the deductible..




American healthcare

:trololol:

:derp:


--------------------


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Offlinespirit_shadow
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Registered: 08/15/11
Posts: 12,588
Last seen: 4 hours, 11 minutes
Re: Why is insurance so confusing... [Re: Patlal]
    #27220165 - 02/22/21 01:38 PM (4 days, 1 hour ago)

Its fucking mafia tactics. Did you know the prices will be different for the services to your foot depending if you have certain insurance or not?(happened with my jaw surgery,had to go through all sorts of shit just to end up getting a certain private insurance provider just long enough to cover the claim and then canceled) So fucked....


--------------------
Higher than hell and low as heaven will go....(this account is automated, all posts related to illegal activities or advice thereof are strictly from numerous online sites and are for informational purposes only)- Circa 2011
Ban lotto


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InvisibleJean-Luc Picard
I only wish i was this good!
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Registered: 12/30/07
Posts: 1,204
Loc: New Mexico, USA Flag
Re: Why is insurance so confusing... [Re: Cracked Egg]
    #27220330 - 02/22/21 03:20 PM (3 days, 23 hours ago)

Quote:

Cracked Egg said:
I think what she was saying is whatever I pay it will automatically go towards the deductible, but I'm trying to pay the least amount...

I would just ride it out but I have documents that need to be signed for my fmla..




Yea that's exactly what she is saying. Even if you pay for everything out of pocket and it's less than your deductible, you should still file a claim on that and make sure that what you pay counts toward your plan max out of pocket expenses. That way if shit hits the fan later this year (major injury, vivid infection, etc.), you're that much closer to your out of pocket limits.

I'm pretty sure you can also claim some of these expenses on your tax return. :shrug:


--------------------
The universe is under no obligation to make sense to you - NDT


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OfflineCracked Egg
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Registered: 02/22/20
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Re: Why is insurance so confusing... [Re: Jean-Luc Picard]
    #27220588 - 02/22/21 06:07 PM (3 days, 20 hours ago)

Hmmm.. interesting..


--------------------
People Say I'll Regret That In the Morning, So I Sleep Till Noon..


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InvisiblebodhisattaM
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Re: Why is insurance so confusing... [Re: Cracked Egg]
    #27220598 - 02/22/21 06:10 PM (3 days, 20 hours ago)

I break my foot they fix it and I don't have insurance. I literally have to pay out of pocket. but my pockets are more full from saving 100% on my insurance by not having any. So far I've spent less on my body than I would have paid in insurance so :shrug:


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:whyyy:


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OfflineCracked Egg
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Registered: 02/22/20
Posts: 991
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Re: Why is insurance so confusing... [Re: bodhisatta]
    #27221644 - 02/23/21 08:22 AM (3 days, 6 hours ago)

That's def awesome for minor shit like broken foots, but what happens if you need surgery or you get cancer or some other horrible situation that lands you a GIGANTIC bill?

I know some rack up bills and ride those into the depths of hell, but others do not, especially with kids..


--------------------
People Say I'll Regret That In the Morning, So I Sleep Till Noon..


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Offlinemorrowasted
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Re: Why is insurance so confusing... [Re: Cracked Egg]
    #27221655 - 02/23/21 08:30 AM (3 days, 6 hours ago)

Yeah it is a really bad idea not to at least have  catastrophic incident coverage

Depending on how poor you are you can often get a catastrophic policy for like 20 to 50 bucks a month


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OfflineCracked Egg
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Re: Why is insurance so confusing... [Re: morrowasted]
    #27221681 - 02/23/21 08:45 AM (3 days, 6 hours ago)

My insurance is awesome for serious shit but sucks for situations like the one I'm in currently..


--------------------
People Say I'll Regret That In the Morning, So I Sleep Till Noon..


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Onlinechristopera
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Re: Why is insurance so confusing... [Re: morrowasted]
    #27221684 - 02/23/21 08:46 AM (3 days, 6 hours ago)

Quote:

morrowasted said:
Yeah it is a really bad idea not to at least have  catastrophic incident coverage

Depending on how poor you are you can often get a catastrophic policy for like 20 to 50 bucks a month




It's awesome that we get to talk about each other in the terms of how poor we are, instead of how wealthy we are.

Feels bad man.


--------------------
A Dorito is pizza, change my mind.

Bank and Union with The Shroomery at the Zuul on The internet - now with %'s and things

I’m sorry it had to be me.


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InvisibleJean-Luc Picard
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Registered: 12/30/07
Posts: 1,204
Loc: New Mexico, USA Flag
Re: Why is insurance so confusing... [Re: christopera]
    #27221743 - 02/23/21 09:29 AM (3 days, 5 hours ago)

Quote:

christopera said:
Quote:

morrowasted said:
Yeah it is a really bad idea not to at least have  catastrophic incident coverage

Depending on how poor you are you can often get a catastrophic policy for like 20 to 50 bucks a month




It's awesome that we get to talk about each other in the terms of how poor we are, instead of how wealthy we are.

Feels bad man.




So I'm firmly in the upper-middle class here in the US, and the high deductible plans that most companies are pushing these days are terrible for everyone.

Sure, they'll keep you alive and in debt for the rest of your life, but unless you have the extra income to dump into an HSA or FSA, or gap insurance to cover the difference, it discourages people who are minorly sick or injured from seeking medical attention.

Hell, the OP was considering riding out a broken foot. Depending on the break, they could be looking at long-term issues even after the break is healed, and their health insurance policy is the primary driver of that decision.

And the reason these are being pushed is because of the smaller contribution to the plan by the employer. I watched it happen over the last few years at my former company. They would introduce the high-deductible plans as a cheaper alternative for healthy young people, then slowly restructure the employer contribution until the lower deductible PPO plans
were so expensive that nobody could afford them, and the high deductible plans (with the HSA/FSA required to make them work) were roughly the same price to the employee as the original PPO plans.

Do I make enough money to pay for healthcare? Sure I do. But I also realize that I'm not everyone, and that we are all getting fucked over by the healthcare system in it's current state in the US.


--------------------
The universe is under no obligation to make sense to you - NDT


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