Buying Health Insurance - Infuriating

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Originally Posted by kidicarus13

...unless...

The reason why most of us have insurance.

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Well, I believe the only issue was that pre-existing (none of us have) and long term disease was not covered. I felt that in the event of one of use coming down with multi-year treatment cancer, we'd just pony up for a policy that is approved by the US gov at that point, since companies can no longer deny you for pre-existing. I'm under the impression that the temp insurance was adequate for what we wanted, but didn't pass the minimum threshold for what the government requires before they declare that you aren't insured and fine you.

The reason we didn't go that route was because my parents were throwing a fit about it.

Stop paying your policy now. IF one gets seriously sick you can sign up on line that day or two. The worst that happens if you don't have ins is the irs penalizes you next year.

Figure out monthly payment Plus deductible. If you believe you're going to spend more than that, keep it. if not, don't.

yes it's shitty advice but really if you can't afford it, you can't afford it.


Your spouse should apply separately, it's what mine did. She's stuck with kaiser and pays $125 mth. They base it off what you think you'll make. if the spouse doesn't believe she'll have an income great. If she does once again, they'll get you next year.
SO. decide what's best for you and run with it.

You could get a catastrophic policy. Well that C&P'd well, didn't it

http://connectforhealthco.com/wp-con...heet_FINAL.pdf



Catastrophic (CYA) Health Plans in Colorado Fact Sheet
What is a CYA (catastrophic) health plan?
o
A catastrophic health plan (also known as a Colorado Young Adult or
“CYA” plan) is generally for individuals between the ages of 18 and 29.
CYA plans typically have a high deductible and lower premium, and
are designed to protect you in a high-
cost emerge
ncy.
o
While
CYA
Plan
s are
generally for individuals between the ages of 18
and 29, it is also available
to certain older individuals who qualify for an
exemption based on a hardship
or
because coverage is unaffordable
based on expected annual household
incom
e. For
individuals age 30
or above who have received an exemption certificate number
(exemption code)
, the CYA plan provides a low
er monthly premium
.
o
It is important to know that advance premium tax credits and cost
-
sharing reductions
can not
be used with CYA Plans to reduce costs.

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Originally Posted by Irving

Did I already ask you if CHM covers dental as well?

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They do not, but they do have some recommendations:

http://www.chministries.org/dentalvision.aspx

Thanks.

Dental insurance sucks even if you have it. Try a preventive maintenance plan with a local dentist. My dental is like 80/20 if you need anything more than a filling. Just don't forget to SAVE what you don't spend on the plan for a major bill.

Well, I'm doing a pretty good job building up my HSA. An HSA can pay for dental stuff I believe.

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Originally Posted by Jamnanc

Dental insurance sucks even if you have it. Try a preventive maintenance plan with a local dentist. My dental is like 80/20 if you need anything more than a filling. Just don't forget to SAVE what you don't spend on the plan for a major bill.

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DELTA DENTAL.
The wife researched all dental plans / Coverage available. I asked my medicare / Plan B rep who also offers dental plans. He told me nothing beats Delta for the cost. Granted every plan covers nothing you would really need if serious dental work was needed.

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Originally Posted by foxtrot

It gets worse. Cafeteria plans [aka health insurance from your employer] cannot be canceled outside of enrollment periods, even when they jack up the rates sky high. Further, their enrollment period (the insurance company) can be any arbitrary date in the year, it doesn't match the "exchange" enrollment period.... and they can neglect to tell you when this period is. So you can get locked into one arbitrary plan - can't even change plans within the same insurance company - while they crank prices and modify everything under your feet. If paying insurance through an employer, you literally have your hand forced to continue payments once you begin - hell or high water, statutorily you cannot cancel, period until you are fired or you manage to catch their arbitrary two week period. Can't buy food? Too fucking bad. Zero methods around this to cancel an employer health insurance plan outside of say divorcing or killing one of your family members - or getting fired.
weeks notice.

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Not really true or insurances fault. The Open Enrollment period is not arbitrary. It is set when the employer signs the contract. If the employer signs up in May, then open enrollment is every May typically. It's also your employers responsibility to tell you when and give you the new info and rates that the employer agreed to.

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Originally Posted by Madeinhb

Not really true or insurances fault. The Open Enrollment period is not arbitrary. It is set when the employer signs the contract. If the employer signs up in May, then open enrollment is every May typically. It's also your employers responsibility to tell you when and give you the new info and rates that the employer agreed to.

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The last company I worked at the open enrollment was the same time every year, regardless of who started when.

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Originally Posted by Irving

The last company I worked at the open enrollment was the same time every year, regardless of who started when.

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Yup. It's based on the yearly contract between employer and insurance company. Employees start date doesn't matter.