Health Insurance FTW

**chuckie669** · 10-09-2008, 12:13 PM

I got a reality check on how f'd up medical insurance and doctors offices are. Went to visit the Dr, and had to go follow up at a clinic for a test. Got there and was quoted $515 ($402 out of pocket since I hadn't been to the dr this year). told them I couldn't afford it and left the hospital.

Called my dr office and they found another place which quoted them $120.87 for the test. I said great and went on over. While I'm sitting there, they ask me if I have insurance and I said yes. Guess what I hear next... "Well, sir this is the cash quote for somebody without insurance. Yours might be a little higher since we are required by law to run it through insurance if we know your covered."

Guess what my out of pocket is. $390 thru insurance. WTF. So, I pay $500 a month for fuckin insurance and get the benefit of paying almost $300 more for a procedure vs somebody who is uninsured.

Please tell me I'm not the only one that thinks this is fucked?

**Sarge** · 10-09-2008, 12:16 PM

Always check the formulary and the coverage before buying any insurance. Many are basically worthless.

**redls1** · 10-09-2008, 12:17 PM

Be lucky you have insurance as it goes both ways. For me to get even basic insurance its $600 a month which doesnt cover crap. Ive tried 6 other company;s and cant get crap because pre existing condition.

**Mr. Luos** · 10-09-2008, 12:27 PM

I have been paying for prescriptions without insurance for a few months now...

It hurts.

**third_shift|studios** · 10-09-2008, 12:30 PM

my insurance through the day job went from bad to worse. I'm totally responsible for 100% of the bills until I pay 2500 worth for the year-then the insurance pays the rest in full. Fucking blows ass.

**Mr. Luos** · 10-09-2008, 12:35 PM

Originally Posted by third_shift|studios

my insurance through the day job went from bad to worse. I'm totally responsible for 100% of the bills until I pay 2500 worth for the year-then the insurance pays the rest in full. Fucking blows ass.

Sara's is similiar to that.
United Health Care.

It has saved is a TON!!!
And they have been great with approving all her procedures.

**Sarge** · 10-09-2008, 12:36 PM

TSS: Look at a mini med or gap plan. Cheap and picks up the first $2500.

**Mr. Luos** · 10-09-2008, 12:37 PM

Originally Posted by Sarge

TSS: Look at a mini med or gap plan. Cheap and picks up the first $2500.

Sara should have medicaid for the difference next year.

**Zapper2003** · 10-09-2008, 12:42 PM

Self employed - no insurance at all. I gave up on shit that requires insurance.

**SeVeReDiStOrTiOn** · 10-09-2008, 01:24 PM

Just get Kaiser...problem solved

**Mr. Luos** · 10-09-2008, 01:25 PM

Originally Posted by SeVeReDiStOrTiOn

Just get Kaiser...problem solved

Oh man...

My mother had to fight with them over and over again to get a procedure done. Their doctor tried it twice, failed both times. Insisted he would get it the third time.
My mom basicly told him to fuck off.

**SeVeReDiStOrTiOn** · 10-09-2008, 01:49 PM

Yea there's a lot of BS red tape and some shitty docs...but they have some good ones too.

**chuckie669** · 10-09-2008, 02:02 PM

Yeah, lately it's been nothing but trouble. Went through the ppo website and three of the places I call no longer will take new patients with my insurance because it's too hard to make them pay supposedly.

I was just amazed that they quoted my dr office 120 and then when I get there ask if I have insurance and jack the price to 390.