Buying Health Insurance - Infuriating

[Fmedges]

if you are 100%, you children will get ChampVA (obviously you have to fill out the application, etc). You will not be on ChampVA, just the kids. I know for fact because that is what we have.

https://www.va.gov/COMMUNITYCARE/pro...mpva_apply.asp


To be eligible for CHAMPVA, you cannot be eligible for TRICARE, and you must be in one of these categories:

1. The spouse or child of a Veteran who has been rated permanently and totally disabled for a service-connected disability by a VA regional office.
2. The surviving spouse or child of a Veteran who died from a VA-rated service-connected disability.
3. The surviving spouse or child of a Veteran who was at the time death rated permanently and totally disabled from a service-connected disability.
4. The surviving spouse or child of a military member who died in the line of duty, not due to misconduct (in most of these cases, these family members are eligible for TRICARE, not CHAMPVA).

An eligible CHAMPVA sponsor may be entitled to receive medical care through the VA health care system based on their own Veteran status. If the eligible CHAMPVA sponsor is the spouse of another eligible CHAMPVA sponsor, both may now be eligible for CHAMPVA benefits. In each instance where the eligible spouse requires medical attention, they may choose the VA health care system or coverage under CHAMPVA for their health care needs.

Oh neither of us are 100%, but if you are over 30% everything is covered excluding meds and anyone 50% or over is covered for everything including meds. I will look into CHM.

[Cman]

I use Liberty health share, another christian organization, and pay $199 with $500 deductible. It's worth looking into, sorry I don't know how much kids or wife are.

[Rumline]

My employer's plans suck but I've been sticking with it because of being able to pay the premiums with pre-tax money. Well and the HSA. If the new tax plan gets rid of that then I will be jumping on CHM or similar ASAP.

[TFOGGER]

So I got this in email this morning... Affordable Care act, my hairy white ass...



Our deductible and out of pocket numbers are already off the charts(something like 1250/2500 and 6500/13000 for individual/family). Fuck insurance companies, fuck the US government and their meddling, fuck big pharma, and fuck the IRS for enforcing this shit. There was a time in MY lifetime that reasonable medical care was NOT going to cost more than 80% of my take home pay every fucking month. Politicians can go fuck themselves with barrel cacti soaked in battery acid and herpebolasyphilaids....

[CS1983]

Have you looked into a health share?

[BushMasterBoy]

It makes you want to retire to a banana republic. A friend of mine went to Mexico and got sick 15 years ago. A doctor came to the hotel room and treated him. The bill was $12.

[Rumline]

So I got this in email this morning... Affordable Care act, my hairy white ass...

Hey man you gotta check your white privilege. Somebody has to pay for all these poor dreamers and Syrian refugees. Just because you were born here and raised right and made good life choices and have a job doesn't mean you should have anything more than anybody else.

But seriously that increase is unbelievable. I hope you're able to find something that works better for your family.

[kidicarus13]

Just because you were born here and raised right and made good life choices and have a job doesn't mean you should have anything more than anybody else.

Ain't that the truth?

[Fmedges]

I watched a documentary about people going to Thailand for surgeries and it was the exact opposite of what I thought it would be. All the facilities were phenomenal and all the docs all went to medical school in the USA. Some guy had heart surgury for less than a quarter of the cost. I'm tired of the focus on the scam that is insurance and won't talk about costs. If it wasn't $3,000 for an MRI maybe we all wouldn't need insurance.

[Bailey Guns]

Holy crap! Some of these stories are frightening and I know I couldn't afford what some of you guys are paying.

I feel pretty lucky. I pay about $125 month for BCBS just for me with $800 deductible. No increase for 2018. Preventative care is free.

Wife is on a high deductible plan at work. She doesn't pay any premium and the "High Deductible" is only $2000. And the hospital pays the first $1000 of that. After the deductible it pays exactly like the regular plan except she doesn't pay monthly premiums. The premiums for the regular plan are over $1000 a year so the HD plan is the better option for her. For someone with a family it doesn't work out as well as the PPO plan.