Health Insurance

[TimeBandit]

Our company just got bought out.

The new health insurance provider is "CAS benefits".

Has anybody dealt with them, any stories good or bad?

Between the copay and deductible it looks like lab work will cost a fortune and I get that done every 60 days.

I've had Kaiser for 20 years I may just pay Cobra and keep it for the next 18 months I haven't seen the cost yet.

 

[Go-Fly]

Don't get me started. You could sit down a small group of kindergarteners with crayons and paper. They could draw up a better plan then what we have now to choose from.

 

[Ace in the Hole]

Our company just got bought out.

The new health insurance provider is "CAS benefits".

Has anybody dealt with them, any stories good or bad?

Between the copay and deductible it looks like lab work will cost a fortune and I get that done every 60 days.

I've had Kaiser for 20 years I may just pay Cobra and keep it for the next 18 months I haven't seen the cost yet.

I'm having a meeting with my boss tomorrow over a similar situation. Health insurance is a scam of all scams.

 

[OldSchoolBoats]

I'm having a meeting with my boss tomorrow over a similar situation. Health insurance is a scam of all scams.

Yup, it is insanity. Thank all the Obama voters for what we are paying now. I think we are going to switch up to a high deductible HSA. Paying for this gold PPO plan with Kaiser is just stupid.

 

[jet496]

Yup, it is insanity. Thank all the Obama voters for what we are paying now. I think we are going to switch up to a high deductible HSA. Paying for this gold PPO plan with Kaiser is just stupid.

Yea, we own a business & used to provide Blue Cross PPO plans for around $8k per year and paid 100% for the employees & family members. Then Obamacare caused that plan to disappear (he said they wouldn't disappear, but...) and the new plan cost$32k per year & sucked ass. So we went to Kaiser & my wife got cancer & luckily, due to timing of open enrollment, left Kaiser for Healthnet PPO which is great but expensive.

Now we only pay 75% for the employee only & they have to pay 100% for their family. Thanks Obama

 

[JM21]

Ugggh, my biggest bill. Surpasses my mortgage for a family of 4 with self employed husband and wife, 2 kids, 8 and 16 months. I pay just under 2k a month for a silver blue shield PPO

All I ever hear is that fuck wad Obama “if you like your doctor you can keep him, if you like your plan you can keep it” SCAM. All that did was give illlegals and lazy fucks free insurance.

 

[mjc]

My last plan before medicare was a cost sharing plan. It worked for me and I learned alot about cash pay with reimbursement insurance. Amazing what prices are when you go cash pay. 450k hospital bill was 51k I paid for example.

 

[Done-it-again]

Just had or company renewal. Blue cross blue shield went up again. But I rather not offer Kaiser.

 

[HB2Havasu]

I’m running into this problem myself. Since Obamacare my employer no longer covers the .Mrs. We had her on a Healthshare for a few years and it worked out ok. It seems now since the Plandemic they are having money issues and aren’t paying her bills now. Probably going to have to bite the bullet and put her on my HMO at work for $13,000 annually.

Obamacare was the worst thing to ever happen to the healthcare industry!

 

[BabyRay]

One thing they got right with Obamacare, for me personally at least, was the requirement to insure people with pre-existing conditions. Without that, I’d have been uninsurable for 6 years while waiting to hit Medicare age. On the flip side, I’ll admit that undoubtedly had an effect on rates for everyone, so there’s that. Consider this my apology to everyone who got screwed.

 

[TBulger]

In my humble opinion the PPO plan’s aren’t worth the money any more, I have Facey and they seem fine.

 

[84miller]

One thing they got right with Obamacare, for me personally at least, was the requirement to insure people with pre-existing conditions. Without that, I’d have been uninsurable for 6 years while waiting to hit Medicare age. On the flip side, I’ll admit that undoubtedly had an effect on rates for everyone, so there’s that. Consider this my apology to everyone who got screwed.

Just wanted to make your statement clear. Before and after the affordable health care act, group insurance (employer plan) an employee and any dependent got coverage with pre-existing conditions. At the same price as any other employee/dependent. All rates where and still are based solely on zip code age, period. The only healthcare coverage denied prior to the ACA was direct purchase of an individual plan with a pre-existing condition (10% of the industry). There were backup plans available, but at a cost. Was a broker for health group and individual, prior to ACA and after.

 

[BabyRay]

Just wanted to make your statement clear. Before and after the affordable health care act, group insurance (employer plan) an employee and any dependent got coverage with pre-existing conditions. At the same price as any other employee/dependent. All rates where and still are based solely on zip code age, period. The only healthcare coverage denied prior to the ACA was direct purchase of an individual plan with a pre-existing condition (10% of the industry). There were backup plans available, but at a cost. Was a broker for health group and individual, prior to ACA and after.

I was in the individual plan category, as I retired early. I didn’t know about the back-up plans for pre-existing conditions. I’m curious….what did the premiums for those plans look like?

 

[Enen]

If you are looking for competitive health plans anywhere in the United States call Jason Monczka with The Pomeroy Group. 602-739-1189. He beat every other price quote I received with better coverage by A LOT.

Pomeroy Group | Insurance Brokers & Consultants

Pomeroy Group has been Creating Competitive Advantages for Business Owners for Over 40 Years. We are one of Arizona's premier insurance agencies, offering a full range of insurance brokerage and consulting services for your business and personal needs.

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He called me last week and told me that Arizona has a Heath Insurance Premium Tax Credit. Apparently this is a pool of state funds that businesses and individuals can apply for. If approved it's applied directly as a discount to your health insurance premium.

 

[84miller]

I was in the individual plan category, as I retired early. I didn’t know about the back-up plans for pre-existing conditions. I’m curious….what did the premiums for those plans look like?

They rates were higher than normal individual plans and sponsored by the state of CA, along with wait time for enrollment due to approval. However, as with any health insurance plan, the plan anyone selects should be aligned with a person's health. Depending on your preexisting condition, the higher rate was still cheaper than the monthly out of pocket expense without insurance.

 

[TCHB]

Medical costs have been going up for years along with Americans needing more care at a younger age.

 

[Dalton]

you can buy short term health insurance for cheap, doesn’t cover medication or routine stuff but can save you from going a couple hundred thousand in debt in the event of a accident.

 

[TeamGreene]

Switching from Health Net to Kaiser on the first. Hoping to get a better level of care, we'll see.

 

[Done-it-again]

Switching from Health Net to Kaiser on the first. Hoping to get a better level of care, we'll see.

Not sure about health net, just don't hold your breath about Kaiser.....

 

[TeamGreene]

Not sure about health net, just don't hold your breath about Kaiser.....

All of my family has it and love it but I know it's different for everyone.

 

[Done-it-again]

We pay 11k month for our employees at 50% for Blue cross blue shield and we don't have that many, think 11 or 12 people, others have exempted out.

 

[Done-it-again]

All of my family has it and love it but I know it's different for everyone.

I've heard visit and meds are all good, but when you are needing a procedure and god for bid cancer... No good

 

[TeamGreene]

I've heard visit and meds are all good, but when you are needing a procedure and god for bid cancer... No good

Well they just saved my moms husband who had bladder cancer. IDK

 

[Cdog]

Don't forget to thank the Mclames. The republicans had a chance to abort this kenyan catastrophe but mclame sacrificed all of us for his ego.

Rot in hell mclame!

 

[JBS]

Just wanted to make your statement clear. Before and after the affordable health care act, group insurance (employer plan) an employee and any dependent got coverage with pre-existing conditions. At the same price as any other employee/dependent. All rates where and still are based solely on zip code age, period. The only healthcare coverage denied prior to the ACA was direct purchase of an individual plan with a pre-existing condition (10% of the industry). There were backup plans available, but at a cost. Was a broker for health group and individual, prior to ACA and after.

Absolutely wrong if you are talking the US as a whole. If you are saying California that may of been different.