Eleven Posted December 7, 2012 Report Share Posted December 7, 2012 (edited) COBRA. We recieved the updated health insurance rates for this comoing year. The lowest price policy, a high deductible HSA plan with a $2400 deductible to be met each year is going to cost me out of pocket a whopping $762/month once I'm done at work on Jan 5. :blink: There are a couple subsidized plans that I'll be eyeballing in the next couple of weeks. I pay more than that without COBRA. Single coverage, too. Lower deductible, though. Health insurance is ######. Still hate government health care? Because it seems to work for my older relatives just fine. And I'm still rooting for you finding something before January 5. Edited December 7, 2012 by Eleven Link to comment Share on other sites More sharing options...
Weave Posted December 7, 2012 Report Share Posted December 7, 2012 I pay more than that without COBRA. Single coverage, too. Lower deductible, though. Health insurance is ######. Still hate government health care? Because it seems to work for my older relatives just fine. And I'm still rooting for you finding something before January 5. I'm finding it hard to believe that a $90/month increase over last year isn't speculative based on the unknowns of further phasing in of "Obamacare". Makes me stabby thinking about it. As for my employment situation, I have a few irons in the fire. Been on several interviews in the last week with a couple more scheduled. Employment on Jan 6 is not out of question. Link to comment Share on other sites More sharing options...
biodork Posted December 7, 2012 Report Share Posted December 7, 2012 Dammit. Just caught up on the last 4 pages of the CBA thread and now it's like I have blue balls. Link to comment Share on other sites More sharing options...
Weave Posted December 7, 2012 Report Share Posted December 7, 2012 Dammit. Just caught up on the last 4 pages of the CBA thread and now it's like I have blue balls. OK, new complaint. I have to concentrate hard to avoid a mental image of Bio as something she is not. Link to comment Share on other sites More sharing options...
Eleven Posted December 7, 2012 Report Share Posted December 7, 2012 Dammit. Just caught up on the last 4 pages of the CBA thread and now it's like I have blue balls. OK, new complaint. I have to concentrate hard to avoid a mental image of Bio as something she is not. Yeah, what's going on, here? Link to comment Share on other sites More sharing options...
qwksndmonster Posted December 7, 2012 Report Share Posted December 7, 2012 OK, new complaint. I have to concentrate hard to avoid a mental image of Bio as something she is not. I didn't have that problem because my mental image of Bio is that chemistry cartoon. Link to comment Share on other sites More sharing options...
Randall Flagg Posted December 7, 2012 Report Share Posted December 7, 2012 I didn't have that problem because my mental image of Bio is that chemistry cartoon. If you mean her avatar, I see her as a purple test tube as well. Link to comment Share on other sites More sharing options...
biodork Posted December 7, 2012 Report Share Posted December 7, 2012 Haha -- well was going to offer to change the mental image for weave, but perhaps best to stick with the cartoon test tube, lol. Link to comment Share on other sites More sharing options...
qwksndmonster Posted December 7, 2012 Report Share Posted December 7, 2012 No rise for calling it a chem cartoon? Not thin skinned about that? Dammit. Link to comment Share on other sites More sharing options...
Weave Posted December 7, 2012 Report Share Posted December 7, 2012 Haha -- well was going to offer to change the mental image for weave, but perhaps best to stick with the cartoon test tube, lol. Wait...... OK, whole new bitch. I'm aiming this one squarely at New York State. If you want an eye opener try this exercize yourself. ehealthinsurance.com is a pretty good site for shopping insurance rates. You select the product you are looking for (individual/family/short term, etc), select your zip code, add age and smoker status and it searches for policies and rates. In my zip code it found 3 policies that matched what I was looking for. 2 of those policies were HealthyNY plans for self employed workers. the 3rd policy was $1568/month!! Holy crap!! So, for poops and giggles I put in the same data but used a Pittsburgh, PA zipcode. Prices ranged from a low of $355 to $442 per month. What the ###### is NY doing regulation-wise that health insurance is so much more expensive here? Seriously. Link to comment Share on other sites More sharing options...
biodork Posted December 7, 2012 Report Share Posted December 7, 2012 Holy crap, that's insane! Is it really a NY thing, or something about your area specifically? I could understand rates being higher in a big city or something (not that Pittsburgh isn't), but that's outrageous. Link to comment Share on other sites More sharing options...
Weave Posted December 7, 2012 Report Share Posted December 7, 2012 Holy crap, that's insane! Is it really a NY thing, or something about your area specifically? I could understand rates being higher in a big city or something (not that Pittsburgh isn't), but that's outrageous. I don't know. All I know is health insurance is gonna bleed me dry in a short time here. Still blows my mind that the group plan at work is going up $90/month over last year. Damn. Link to comment Share on other sites More sharing options...
Eleven Posted December 7, 2012 Report Share Posted December 7, 2012 (edited) Weave, I just did the same search, my ZIP code, and came back with a rate just slightly lower than what I actually pay. Again, single coverage. Exorbitant. I don't know why NYS is more expensive than Pennsylvania, but I can guess: extremely plaintiff-friendly medical malpractice laws that drive up providers' costs, and, in turn, the patients' costs. Again, just a guess. Edited December 7, 2012 by Eleven Link to comment Share on other sites More sharing options...
Weave Posted December 7, 2012 Report Share Posted December 7, 2012 Weave, I just did the same search, my ZIP code, and came back with a rate just slightly lower than what I actually pay. Again, single coverage. Exorbitant. I don't know why NYS is more expensive than Pennsylvania, but I can guess: extremely plaintiff-friendly medical malpractice laws that drive up providers' costs, and, in turn, the patients' costs. Again, just a guess. Cuomo has done some good things (gat dam that hurt to say, I couldn't stand his old man). But if he really wants this state to turn things around he's going to have to address the reasons why utilities are more expensive here, gasoline is more expensive here, insurance is more expensive here. All of those items affect the bottom lines of the people and businesses here and serve to reduce our disposable incomes considerably. Link to comment Share on other sites More sharing options...
Eleven Posted December 7, 2012 Report Share Posted December 7, 2012 Cuomo has done some good things (gat dam that hurt to say, I couldn't stand his old man). But if he really wants this state to turn things around he's going to have to address the reasons why utilities are more expensive here, gasoline is more expensive here, insurance is more expensive here. All of those items affect the bottom lines of the people and businesses here and serve to reduce our disposable incomes considerably. Yep. And you can blame the old man for the malpractice laws, IIRC. Link to comment Share on other sites More sharing options...
Weave Posted December 7, 2012 Report Share Posted December 7, 2012 Yep. And you can blame the old man for the malpractice laws, IIRC. I'll become a one issue voter for the first politician that makes it so I can shop health insurance across state lines. Link to comment Share on other sites More sharing options...
TrueBlueGED Posted December 7, 2012 Report Share Posted December 7, 2012 I'll become a one issue voter for the first politician that makes it so I can shop health insurance across state lines. That makes way too much sense to ever legitimately be proposed :P Link to comment Share on other sites More sharing options...
Hank Posted December 7, 2012 Report Share Posted December 7, 2012 I have blood in my stool. Kinda scared about that. Link to comment Share on other sites More sharing options...
Eleven Posted December 7, 2012 Report Share Posted December 7, 2012 I have blood in my stool. Kinda scared about that. Time to see the medic. Good luck and get well. Link to comment Share on other sites More sharing options...
Hank Posted December 7, 2012 Report Share Posted December 7, 2012 Ick, good luck and get well. Thanks. Scared to tell the doc, don't like the idea of him wanting to go up there with a camera. Anyone know if they sedate you first? Link to comment Share on other sites More sharing options...
spndnchz Posted December 7, 2012 Report Share Posted December 7, 2012 COBRA. We recieved the updated health insurance rates for this comoing year. The lowest price policy, a high deductible HSA plan with a $2400 deductible to be met each year is going to cost me out of pocket a whopping $762/month once I'm done at work on Jan 5. :blink: There are a couple subsidized plans that I'll be eyeballing in the next couple of weeks. Cobra is retroactive 90 days. Meaning u can Not pay for coverage and if something happens that is more than the back premiums u pay you pay the premiums and are covered. It's a risk for 90 days but could pay off. Link to comment Share on other sites More sharing options...
SwampD Posted December 7, 2012 Report Share Posted December 7, 2012 Thanks. Scared to tell the doc, don't like the idea of him wanting to go up there with a camera. Anyone know if they sedate you first? They used to not, now they do. Here are my thoughts on the matter. The first time I had one, about 14 years ago, it was for the same reason. Good Luck. Link to comment Share on other sites More sharing options...
Hank Posted December 7, 2012 Report Share Posted December 7, 2012 They used to not, now they do. Here are my thoughts on the matter. The first time I had one, about 14 years ago, it was for the same reason. Good Luck. Cool, thanks for sharing. Army doctors aren't really big on comfort, I'm cautiously optimistic. Link to comment Share on other sites More sharing options...
spndnchz Posted December 12, 2012 Report Share Posted December 12, 2012 Colds suck. Link to comment Share on other sites More sharing options...
SwampD Posted December 12, 2012 Report Share Posted December 12, 2012 Colds suck. So does thinking you only have two workdays left in the week but actually have three. Link to comment Share on other sites More sharing options...
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