Premiums just shot up

TridenT

Lifer
Sep 4, 2006
16,810
45
91
Well, fuck you too, company that I work for. Holy shit. Went from 100% coinsurance to 90%. Annual deductible went up 20%. Co-pay to visit a doctor went up 25%. Annual out of pocket max went up 75%. Monthly premium went up 20%.

Awesome. All the more reason to really start looking for a new job sooner than later.

They gimped the vision insurance as well.
 

SearchMaster

Diamond Member
Jun 6, 2002
7,792
114
106
You're going to have to deal with it - premiums are outrageous everywhere. For my family of 5, my premiums are over $25K/year.

Thanks Obama!
 

Carson Dyle

Diamond Member
Jul 2, 2012
8,174
524
126
So, when you have your first interview with a prospective new employer, be sure you grill them on their insurance package in great detail. Cost, copays, deductibles. Maybe they can give you something to take home with you to review, so you'll know whether or not you'd be interested in a second interview. You don't want anyone with substandard health insurance wasting your time.
 

IronWing

No Lifer
Jul 20, 2001
69,557
27,861
136
So, when you have your first interview with a prospective new employer, be sure you grill them on their insurance package in great detail. Cost, copays, deductibles. Maybe they can give you something to take home with you to review, so you'll know whether or not you'd be interested in a second interview. You don't want anyone with substandard health insurance wasting your time.
A higher salary with a crappy health plan can negate any benefit of the higher salary so it really would be beneficial to understand the total benefits package. The first interview might not be the place to bring it up but you certainly wouldn't want to commit to anything without this knowledge.
 

TridenT

Lifer
Sep 4, 2006
16,810
45
91
A higher salary with a crappy health plan can negate any benefit of the higher salary so it really would be beneficial to understand the total benefits package. The first interview might not be the place to bring it up but you certainly wouldn't want to commit to anything without this knowledge.

Yes, exactly. I actually demand those details before accepting any offer because crap insurance really lowers my liking of a job. Insurance here wasn't the best but also wasn't the worst... now it's getting worse and worse... This lowers its bar very well.
 

ImpulsE69

Lifer
Jan 8, 2010
14,946
1,077
126
It's really unsustainable. Will be interesting to see what happens when the bubble bursts.

Same thing that always happens, the rich get richer, the poor will die outside the hospitals.

Fortunately while I really am not a fan of HSA's my insurance premiums are still fairly cheap.
 

Red Squirrel

No Lifer
May 24, 2003
67,936
12,384
126
www.anyf.ca
I still don't get why Americans are so scared of socialized healthcare. All of this would not be an issue. Everyone would get equal access to care, it would not be based on how much they can afford.
 

Drako

Lifer
Jun 9, 2007
10,706
161
106
I still don't get why Americans are so scared of socialized healthcare. All of this would not be an issue. Everyone would get equal access to care, it would not be based on how much they can afford.

I don't get why Canadians with their shitty healthcare, care about the American healthcare system.
 

ImpulsE69

Lifer
Jan 8, 2010
14,946
1,077
126
I still don't get why Americans are so scared of socialized healthcare. All of this would not be an issue. Everyone would get equal access to care, it would not be based on how much they can afford.

Ever hear of the VA care? I imagine socialized healthcare in the US would be pretty similar to that...and that isn't really that great.
 

lxskllr

No Lifer
Nov 30, 2004
57,686
7,912
126
I still don't get why Americans are so scared of socialized healthcare. All of this would not be an issue. Everyone would get equal access to care, it would not be based on how much they can afford.
I'm willing to discuss socialized medicine as long as a reliable way to pay for it is discussed also, and private companies aren't involved. Tort reform will also be necessary.

What I want is to pay cash for services rendered, and know what I'm going to pay up front. I also don't want the "special" cash rate that's 1000% higher than what insurance compqanies pay.
 
Reactions: KMFJD

AznAnarchy99

Lifer
Dec 6, 2004
14,705
117
106
I still don't get why Americans are so scared of socialized healthcare. All of this would not be an issue. Everyone would get equal access to care, it would not be based on how much they can afford.

Cause we only care about ourselves and what it would cost us.
 

Jeeebus

Diamond Member
Aug 29, 2006
9,180
897
126
You're going to have to deal with it - premiums are outrageous everywhere. For my family of 5, my premiums are over $25K/year.

Thanks Obama!

I guess that makes me feel somewhat better about the $1200/month we currently spend on a family of 4 (not including separate dental insurance).
 

IronWing

No Lifer
Jul 20, 2001
69,557
27,861
136
Cause we only care about ourselves and what it would cost us.
We don't even seem to care about costs. Yeah, we bitch about every premium hike and benefit cut but as soon as someone proposes to change the system, "OH MY GOD! DEATH PANELS!!!" Meanwhile, we watch our economy bleed out.
 

AznAnarchy99

Lifer
Dec 6, 2004
14,705
117
106
We don't even seem to care about costs. Yeah, we bitch about every premium hike and benefit cut but as soon as someone proposes to change the system, "OH MY GOD! DEATH PANELS!!!" Meanwhile, we watch our economy bleed out.

Yeah I always found the debate about health care so weird. Practically everywhere else has it figured out already but us.
 

deustroop

Golden Member
Dec 12, 2010
1,916
354
136
Ever hear of the VA care? I imagine socialized healthcare in the US would be pretty similar to that...and that isn't really that great.

We have a good system. Here are a few points.

First, it is not a socialist program. That term is used to scare timid Americans into continuing with the exorbitant insurance scheme they now fund which benefits the insurance companies. Second, the VA hospitals are not relevant. Our hospitals are not run by a government department. Drs., hospitals and other medical bills go to the provinces for payment partially funded as well by the feds. Hospitals are charities budgeted by the provinces and partially funded by the federal govt. They are run by Boards of Governors with local reps. Drs. are self employed, pay their staff and often form community clinics.

Three, we pay higher taxes for sure but when I go for an operation or see a DR., I do not pay. The rich pay more than the poor for medical services due to our progressive tax system, same as in most democratic countries.We use insurance, mostly accessed as an occupational benefit, for glasses, drugs, physio, etc.Seniors have a drug benefit plan for the usual prescription medicine. There is always a need to cover really expensive shit which the govt. fights as long as possible.

Wait times are the political hot potato and a metric for success.

The system is very precarious as the Drs. always get more year after year, expenses climb , and immigrants swell the emergency rooms coming from shit holes with no medicine beyond a fire and a coloured stick.

Four, an example: I had arthritis in a hip. The hip operation wait time was estimated ~ three months. If I had wanted to or could afford it ( I could ) I could have paid for it directly or gone to the US and paid there, in either case the time would have been reduced to a few days.

The actual wait time was about 6 weeks . What scares the American electorate is the notion of higher taxes to pay for medical care. They are unprepared to pay taxes to their government but will pay profits to their insurance companies who make a bundle in the process. Their loss is that in Canada we have care whether we can afford it or not.
Go figure !
 

Slew Foot

Lifer
Sep 22, 2005
12,381
96
86
Have you guys seen the assholes that run our government? And you want them in charge of healthcare?
 

MrSquished

Lifer
Jan 14, 2013
22,004
20,241
136
Ever hear of the VA care? I imagine socialized healthcare in the US would be pretty similar to that...and that isn't really that great.

there's a difference between socialized healthcare insurance and totally socialized medicine
 
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