\
  The most prestigious law school admissions discussion board in the world.
BackRefresh Options Favorite

Annual health insurance costs hit record high: >$20,000

The cost of family health coverage in the U.S. now tops $20,...
purple concupiscible senate
  09/26/19
How American Citizens Finance $18.5 Billion In Health Care F...
contagious fear-inspiring nursing home codepig
  09/26/19
Our share of premiums is $4,800 annually. Deductible is Sky-...
rose cruel-hearted knife quadroon
  09/26/19
how much do you pay out of pocket per year for health insura...
purple concupiscible senate
  09/26/19
I pay $4,800 out of pocket, but pretax, for insurance premiu...
rose cruel-hearted knife quadroon
  09/26/19
5k/yr...not too bad
purple concupiscible senate
  09/26/19
That is cheap as hell. My premiums are $10,000 a year.
180 glassy chapel
  09/26/19
...
Razzmatazz bossy pocket flask
  09/26/19
For my family of four on a silver, off-exchange plan, I pay ...
nighttime chad becky
  09/26/19
thats insane
purple concupiscible senate
  09/26/19
Flame
pearl electric kitchen ceo
  09/26/19
Should have said not flame. I'm 1099 and my wife is current...
nighttime chad becky
  09/26/19
Jfc I got nauseous reading that not flame
pearl electric kitchen ceo
  09/26/19
...
French state pervert
  09/26/19
You can deduct it if you pay it all though, correct?
French state pervert
  09/26/19
...
Translucent Site
  09/26/19
...
Indigo harsh karate locale
  09/26/19
this makes zero sense. You would've been better off uninsur...
walnut irate point doctorate
  09/26/19
*hospital sees you’re rich* “That’ll be...
Pale Immigrant Hominid
  09/26/19
then hire some "doula" to light incense and pray o...
walnut irate point doctorate
  09/26/19
...
Translucent Site
  09/26/19
EXCELLENT WORK
frozen cream temple
  09/26/19
...
umber toilet seat
  09/26/19
what you should actually do is show up at the hospital with ...
Flickering goal in life
  09/26/19
cr just drop your wife off alone and tell her she doesn't sp...
walnut irate point doctorate
  09/26/19
...
nighttime chad becky
  09/26/19
...
Translucent Site
  09/26/19
we are all immigrants, this is a nation of immigrants
walnut irate point doctorate
  09/26/19
Bill for delivery of first, which spent 7 days in NICU becau...
nighttime chad becky
  09/26/19
born shit eater, just like her daddy
Aggressive soul-stirring resort
  10/10/23
180000000000000000000000000000000000
purple concupiscible senate
  10/10/23
not flame, my employer covered a lot of that but mediocre in...
Diverse hospital trust fund
  09/26/19
lol thought this was per year at first. jfc.
Indigo harsh karate locale
  09/26/19
In NY, those plans are closer to $3k/month
Up-to-no-good maize scourge upon the earth
  09/26/19
I believe it. The gold and platinum options here are, too. ...
nighttime chad becky
  09/26/19
Why even buy insurance at that point? Just pay the cash rat...
tan range black woman
  09/26/19
Don't go to doctor but does this "negotiate it down&quo...
brass disturbing garrison
  09/26/19
You negotiate it with the billing dept, not the receptionist...
tan range black woman
  09/26/19
This sounds like a lot of effort and haggling, and then ther...
nighttime chad becky
  09/26/19
“This sounds like a lot of effort and haggling” ...
tan range black woman
  09/26/19
>>Bigger picture is that your employer is illegally us...
nighttime chad becky
  09/26/19
why would they negotiate with someone after the fact if they...
brass disturbing garrison
  09/26/19
First of all, they have no idea about your ability to pay. ...
tan range black woman
  09/26/19
This is misleading. If you count all the illegals paying $0 ...
citrine background story
  09/26/19
yes, blame the mexicans for your health costs! cackled the j...
Up-to-no-good maize scourge upon the earth
  09/26/19
We need to gas all the Jews too
citrine background story
  09/26/19
it's all a question of priorities. of figuring out the root ...
Up-to-no-good maize scourge upon the earth
  09/26/19
True. Kikes are at the root of all of this. Minorities and L...
citrine background story
  09/26/19
the browns and the blacks are the muscle of the jews and the...
Up-to-no-good maize scourge upon the earth
  09/26/19
*tosses you toasted everything bagel with lox and capers*
pearl electric kitchen ceo
  09/26/19
...
pearl electric kitchen ceo
  09/26/19
Trump promised cheaper care and coverage for more people so ...
Brindle domesticated mad cow disease idea he suggested
  09/26/19
A JewCuck lied! you don't say!
Up-to-no-good maize scourge upon the earth
  09/26/19
He really is garbage
citrine background story
  09/26/19
*obama
citrine background story
  09/26/19
It's cheaper if you just pay cash, and it's more coverage th...
ruby abusive french chef
  09/26/19
LOL, poasting from first world country with cheap, high-qual...
excitant really tough guy giraffe
  09/26/19
...
Zippy Trip Stead
  09/26/19
Health insurance cost for my family: 21k. 8k paid by us.
High-end charcoal box office
  09/26/19
No premiums here. I have never paid a dime for healthcare be...
Razzle effete dog poop dopamine
  09/26/19
Lastt I checked I pay like 7k a year in premiums as a normal...
heady sanctuary
  09/26/19
...
Translucent Site
  09/26/19
I have no clue because what good will it do me to know? thes...
walnut irate point doctorate
  09/26/19
Wow, I'm so old I remember when Obamacare was going to bend ...
Zombie-like smoky rehab gunner
  09/26/19
we let insurance companies write the health care bill, but s...
walnut irate point doctorate
  09/26/19
It sure is a kooky coincidence that Democrats passed a healt...
Zombie-like smoky rehab gunner
  09/26/19
...
Cerise Sticky House Deer Antler
  09/26/19
...
frozen cream temple
  09/26/19
...
Cobalt Institution
  09/26/19
Why doesn't anyone here try short-term insurance? The premiu...
ivory autistic volcanic crater tanning salon
  09/26/19
They don't cover anything.
180 glassy chapel
  09/26/19
They don't cover pre-existing conditions and pregnancies. Ot...
ivory autistic volcanic crater tanning salon
  09/26/19
One of clients had cancer treatment denied as a pre-existing...
180 glassy chapel
  09/26/19
LOL
ivory autistic volcanic crater tanning salon
  09/26/19
Don't worry, that number will drop once we start providing f...
cyan macaca meetinghouse
  09/26/19
My firm covers 100% of my premiums and I’m on a PPO so...
tan range black woman
  09/26/19
lmao of course
Indigo harsh karate locale
  09/26/19
...
walnut irate point doctorate
  09/26/19
...
Cobalt Institution
  09/26/19
holy shit it sounds like you have a really good job! can yo...
Boyish emerald son of senegal degenerate
  09/26/19
...
citrine background story
  09/26/19
...
Cobalt Institution
  09/26/19
...
Black toaster
  09/26/19
...
ivory autistic volcanic crater tanning salon
  09/26/19
fucking loser go fuck yourself lmao what shortcomings are yo...
Odious Den Kitty
  09/26/19
lol at it costing 100k for nutella to have a child
Green milk jew
  09/26/19
Cr
citrine background story
  09/26/19
I pay 60k for health insurance for me and 4 staff. It's absu...
Green milk jew
  09/26/19
"Trump's America"
irradiated chartreuse newt
  09/26/19
Proletarian revolution when
Curious nubile parlour
  09/26/19
It's a pretty simple equation. Boomers on medicare pay nothi...
Outnumbered field
  09/26/19
Old thread, but still wrong, Champ. Wife and I are on Medica...
Comical Olive Indirect Expression Church
  01/31/24
If you join the military your healthcare is free.
umber toilet seat
  09/26/19
lol how quaint this thread was when i made it
purple concupiscible senate
  10/10/23
$24,000 now: WSJ: A family’s health insurance costs...
purple concupiscible senate
  10/19/23
hahaha
Idiotic impertinent location jewess
  12/21/23
lol@ the retarded fucks in the other thread: https://www....
purple concupiscible senate
  11/07/23
...
purple concupiscible senate
  11/07/23
...
purple concupiscible senate
  12/21/23
...
purple concupiscible senate
  01/30/24
...
purple concupiscible senate
  04/03/24
...
purple concupiscible senate
  06/03/24
$36k+ / annum for my family for middling coverage. And we pa...
aphrodisiac submissive dysfunction
  06/03/24
Great thread. The most ridiculous part of private insurance ...
Henna Faggot Firefighter Messiness
  06/03/24
...
purple concupiscible senate
  10/06/24
mario bump
purple concupiscible senate
  12/09/24
...
purple concupiscible senate
  12/26/24
...
purple concupiscible senate
  12/30/24


Poast new message in this thread



Reply Favorite

Date: September 26th, 2019 2:11 AM
Author: purple concupiscible senate

The cost of family health coverage in the U.S. now tops $20,000, an annual survey of employers found, a record high that has pushed an increasing number of American workers into plans that cover less or cost more, or force them out of the insurance market entirely.

“It’s as much as buying a basic economy car,” said Drew Altman, chief executive officer of the Kaiser Family Foundation, “but buying it every year.” The nonprofit health research group conducts the yearly survey of coverage that people get through work, the main source of insurance in the U.S. for people under age 65.

While employers pay most of the costs of coverage, according to the survey, workers’ average contribution is now $6,000 for a family plan. That’s just their share of upfront premiums, and doesn’t include co-payments, deductibles and other forms of cost-sharing once they need care.

The seemingly inexorable rise of costs has led to deep frustration with U.S. health care, prompting questions about whether a system where coverage is tied to a job can survive. As premiums and deductibles have increased in the last two decades, the percentage of workers covered has slipped as employers dropped coverage and some workers chose not to enroll. Fewer Americans under 65 had employer coverage in 2017 than in 1999, according to a separate Kaiser Family Foundation analysis of federal data. That’s despite the fact that the U.S. economy employed 17 million more people in 2017 than in 1999.

“What we’ve been seeing is a slow, slow kind of drip-drip erosion in employer coverage,” Altman said.

https://www.msn.com/en-us/news/other/annual-health-insurance-costs-hit-record-high-above-dollar20000/ar-AAHPRKp

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888198)



Reply Favorite

Date: September 26th, 2019 9:22 PM
Author: contagious fear-inspiring nursing home codepig

How American Citizens Finance $18.5 Billion In Health Care For Unauthorized Immigrants

https://www.forbes.com/sites/theapothecary/2018/02/26/how-american-citizens-finance-health-care-for-undocumented

Current federal policy is to prohibit federal tax funding of health care to unauthorized immigrants through either Medicaid or Obamacare. Nevertheless, rough estimates suggest that the nation's 3.9 million uninsured immigrants who are unauthorized likely receive about $4.6 billion in health services paid for by federal taxes, $2.8 billion in health services financed by state and local taxpayers, another $3.0 bankrolled through "cost-shifting" i.e., higher payments by insured patients to cover hospital uncompensated care losses, and roughly $1.5 billion in physician charity care. In addition to these amounts, unauthorized immigrants likely benefit from at least $0.9 billion in implicit federal subsidies due to the tax exemption for nonprofit hospitals and another $5.7 billion in tax expenditures from the employer tax exclusion.

All told, Americans cross-subsidize health care for unauthorized immigrants to the tune of $18.5 billion a year. Of this total, federal taxpayers provided $11.2 billion in subsidized care to unauthorized immigrants in 2016.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38892715)



Reply Favorite

Date: September 26th, 2019 2:15 AM
Author: rose cruel-hearted knife quadroon

Our share of premiums is $4,800 annually. Deductible is Sky-high and impossible to hit. Out of pocket maximum is like $15,000 for our family. The total cost of the plan is closer to $30,000 annually when you consider what the employer is paying. It’s huge.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888206)



Reply Favorite

Date: September 26th, 2019 2:23 AM
Author: purple concupiscible senate

how much do you pay out of pocket per year for health insurance? is it mandatory?

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888222)



Reply Favorite

Date: September 26th, 2019 2:32 AM
Author: rose cruel-hearted knife quadroon

I pay $4,800 out of pocket, but pretax, for insurance premiums.

This year, total out of pocket healthcare expenditures for my family was probably $8,800.00. But we didn’t hit our deductible on any one family member, didn’t hit the family out-of-pocket maximum by a long shot.

Even with all of this spending, healthcare is too expensive to actually consume. I haven’t been to a doctor or even had my blood drawn to check for things like cholesterol or blood pressure in over a decade. I haven’t been to a dentist in nearly 20 years. The only doctor I would go to occasionally was a psychiatrist, but they don’t take insurance and I can’t afford it anymore (also, nothing actually makes life better anyways so who cares, just suck it up).

So yeah. My kids go and get their shots and periodically get medication for ear infections. My wife goes to see a gynecologist. We do not consume much healthcare at all and each doctor’s appointment literally costs thousands of dollars.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888233)



Reply Favorite

Date: September 26th, 2019 3:31 AM
Author: purple concupiscible senate

5k/yr...not too bad

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888266)



Reply Favorite

Date: September 26th, 2019 9:07 PM
Author: 180 glassy chapel

That is cheap as hell. My premiums are $10,000 a year.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38892643)



Reply Favorite

Date: September 26th, 2019 2:25 AM
Author: Razzmatazz bossy pocket flask



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888227)



Reply Favorite

Date: September 26th, 2019 2:46 AM
Author: nighttime chad becky

For my family of four on a silver, off-exchange plan, I pay $2101/mo this year. Next year it's $2219/mo (only a modest 5.6% increase this year).

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888237)



Reply Favorite

Date: September 26th, 2019 3:31 AM
Author: purple concupiscible senate

thats insane

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888267)



Reply Favorite

Date: September 26th, 2019 4:02 AM
Author: pearl electric kitchen ceo

Flame

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888276)



Reply Favorite

Date: September 26th, 2019 4:31 AM
Author: nighttime chad becky

Should have said not flame. I'm 1099 and my wife is currently SAHM, so I pay for my own insurance. Received 2020 renewal packet from Blue Shield last week and I have it on my desk right in front of me. We paid about $12K out of pocket for baby earlier this year on top of this - normal vaginal delivery with epidural; no NICU; no high risk factors other than advanced maternal age; one night in hospital after the birth.

This represented the best value for my family when we were looking for 2019 plans. This is an off-exchange plan that is _cheaper_ than the options in the California exchange (other than Kaiser). This is a high-deductible plan and is "silver," which is the second-lowest of the four levels of plans. Will reassess for 2020, but would like to keep kids with pediatrician and wife would like her allergist to be in-network. Otherwise no one is going to the doctor - I haven't been in at least 15 years and my family has no health issues or medications other than wife's allergist and birth control.

At least I get to invest $7k in HSA plan.

If non-1099 people and non-entrepreneurs actually saw what health insurance costs this would be front page news daily. It's outrageous.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888288)



Reply Favorite

Date: September 26th, 2019 4:45 AM
Author: pearl electric kitchen ceo

Jfc

I got nauseous reading that not flame

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888290)



Reply Favorite

Date: September 26th, 2019 4:58 AM
Author: French state pervert



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888303)



Reply Favorite

Date: September 26th, 2019 6:36 AM
Author: French state pervert

You can deduct it if you pay it all though, correct?

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888355)



Reply Favorite

Date: September 26th, 2019 8:29 AM
Author: Translucent Site



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888488)



Reply Favorite

Date: September 26th, 2019 8:36 AM
Author: Indigo harsh karate locale



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888508)



Reply Favorite

Date: September 26th, 2019 8:36 AM
Author: walnut irate point doctorate

this makes zero sense. You would've been better off uninsured and just paying ca$h for the delivery. I guess you're in an ultra-high risk band because you're 40 year old wife is still pushing out babbies

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888507)



Reply Favorite

Date: September 26th, 2019 8:52 AM
Author: Pale Immigrant Hominid

*hospital sees you’re rich*

“That’ll be $355,000”

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888561)



Reply Favorite

Date: September 26th, 2019 9:18 AM
Author: walnut irate point doctorate

then hire some "doula" to light incense and pray over the baby this is California we're talking about

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888653)



Reply Favorite

Date: September 26th, 2019 9:23 AM
Author: Translucent Site



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888669)



Reply Favorite

Date: September 26th, 2019 1:56 PM
Author: frozen cream temple

EXCELLENT WORK

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38890175)



Reply Favorite

Date: September 26th, 2019 10:11 PM
Author: umber toilet seat



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38892915)



Reply Favorite

Date: September 26th, 2019 9:22 AM
Author: Flickering goal in life

what you should actually do is show up at the hospital with no ID or anything with your name on it, and claim that you're an illegal immigrant

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888668)



Reply Favorite

Date: September 26th, 2019 9:24 AM
Author: walnut irate point doctorate

cr just drop your wife off alone and tell her she doesn't speak English. Also saves you the bs of having to sit through the birth process

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888676)



Reply Favorite

Date: September 26th, 2019 12:51 PM
Author: nighttime chad becky



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38889795)



Reply Favorite

Date: September 26th, 2019 9:28 AM
Author: Translucent Site



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888688)



Reply Favorite

Date: September 26th, 2019 9:30 AM
Author: walnut irate point doctorate

we are all immigrants, this is a nation of immigrants

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888696)



Reply Favorite

Date: September 26th, 2019 12:45 PM
Author: nighttime chad becky

Bill for delivery of first, which spent 7 days in NICU because she (the baby) aspirated some poop allegedly, was about $125k at Stanford (I think our out of pocket--on top of insurances--ended up being $20k between co-pays, up to our deductibe, and then stuff that wasn't covered). It doesn't cost $5k to deliver a babby, at least not when they see you can pay more or if something goes even a little wrong.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38889752)



Reply Favorite

Date: October 10th, 2023 11:22 PM
Author: Aggressive soul-stirring resort

born shit eater, just like her daddy

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#46917644)



Reply Favorite

Date: October 10th, 2023 11:24 PM
Author: purple concupiscible senate

180000000000000000000000000000000000

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#46917656)



Reply Favorite

Date: September 26th, 2019 9:19 PM
Author: Diverse hospital trust fund

not flame, my employer covered a lot of that but mediocre insurance for a family of 3 w a ~6500 deductible costs like 2k / mo ljl

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38892707)



Reply Favorite

Date: September 26th, 2019 4:09 AM
Author: Indigo harsh karate locale

lol thought this was per year at first. jfc.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888280)



Reply Favorite

Date: September 26th, 2019 5:08 AM
Author: Up-to-no-good maize scourge upon the earth

In NY, those plans are closer to $3k/month

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888320)



Reply Favorite

Date: September 26th, 2019 12:45 PM
Author: nighttime chad becky

I believe it. The gold and platinum options here are, too. It's outrageous.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38889757)



Reply Favorite

Date: September 26th, 2019 9:59 AM
Author: tan range black woman

Why even buy insurance at that point? Just pay the cash rate. It’s $800-$1000 per office visit to whatever doc or specialists (including allergist) you want and you can negotiate it down if you’re so inclined. It’d have to be a lot of visits before you even hit your premium costs. For a healthy 4-5 year old, you need maybe 5 visits tops and the rest can be reserved for the baby.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888842)



Reply Favorite

Date: September 26th, 2019 10:10 AM
Author: brass disturbing garrison

Don't go to doctor but does this "negotiate it down" even work? Dumb spic receptionists will just laugh at you and tell you to fuck off I'd imagine.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888894)



Reply Favorite

Date: September 26th, 2019 11:53 AM
Author: tan range black woman

You negotiate it with the billing dept, not the receptionist. Because the bills are so inflated to begin with when they bill insurance, you can prenegotiate and say you’re paying cash and what is the cash rate. Or you can negotiate after you receive the bill. They don’t expect you to pay $1000 right there and then. They bill my insurance $1200-$1500 for a typical office visit which is a complete crock of shit. I’m sure they’ll take $500 cash for it.

Even with insurance, I argue with the billing dept sometimes. I went to a dermatologist and got a mole removed and they charged my insurance like $3000. Because I owe coinsurance being on a PPO, I was supposed to pay $300. I told them there’s no way I’m paying $300 for a stupid mole removal and we negotiated it down to $100.

If I were Jim Kelly, I’d just let the birth hospital bill go to collections and then settle for less money in collections before it affects your credit.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38889468)



Reply Favorite

Date: September 26th, 2019 12:49 PM
Author: nighttime chad becky

This sounds like a lot of effort and haggling, and then there's the risk that I have a heart attack or wife gets ovarian cancer or kid has some brain tumor and then we're fucked, no? (Not that I want any of us to spent 12 months of suffering tied to tubes, anyway.)

Mentioned above and I think before to you, but bill for first was ~$125k all-in. Not sure what % Stanford-Packard would have settled for, but still material cash outlay.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38889790)



Reply Favorite

Date: September 26th, 2019 1:17 PM
Author: tan range black woman

“This sounds like a lot of effort and haggling”

Powergoy move. I am fine getting on the phone and haggling loudly in Laotian. There is a ton of shit you could’ve questioned on your birth bill, but yes, requires getting in the weeds and doing some digging on the diagnostic codes and market rates for procedures. I do know if you start throwing around words like fraudulent billing practices (which they all engage in), they magically start reducing bills.

But in the meantime, can’t you get a barebones catastrophic plan to cover something like a big accident or cancer?

Bigger picture is that your employer is illegally using you as 1099 employee and you need to sue them and GTFO to somewhere where you’re salaried, but that’s a whole other story.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38889940)



Reply Favorite

Date: September 26th, 2019 1:51 PM
Author: nighttime chad becky

>>Bigger picture is that your employer is illegally using you as 1099 employee and you need to sue them and GTFO to somewhere where you’re salaried, but that’s a whole other story.

Yes.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38890146)



Reply Favorite

Date: September 26th, 2019 1:04 PM
Author: brass disturbing garrison

why would they negotiate with someone after the fact if they know the person is UMC and has the ability to pay and would be worried about their credit score? seems like it'd be risky for someone who actually cares about their credit to negotiate and take the chance the billing dept just plays hardball and says go fuck off.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38889860)



Reply Favorite

Date: September 26th, 2019 1:22 PM
Author: tan range black woman

First of all, they have no idea about your ability to pay. They don’t have access to your finances. Often when you say you can’t afford it, they will first offer you a payment plan and reduce the bill once you start questioning the bill itself since we all know these bills are complete bullshit. Your credit isn’t affected at all until it goes to collections AND collections doesn’t collect. Collections will be given 30-60 days to collect on the bill and at that point, it is a guarantee that they will negotiate with you on just price since that is their job. It’s a victory if they can get 75% of the bill. Collections doesn’t care about the substance of the bill since they are independent of the hospital.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38889973)



Reply Favorite

Date: September 26th, 2019 4:54 AM
Author: citrine background story

This is misleading. If you count all the illegals paying $0 for child birth and ER the average cost of healthcare goes way down.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888298)



Reply Favorite

Date: September 26th, 2019 4:56 AM
Author: Up-to-no-good maize scourge upon the earth

yes, blame the mexicans for your health costs! cackled the jewish banker

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888300)



Reply Favorite

Date: September 26th, 2019 4:57 AM
Author: citrine background story

We need to gas all the Jews too

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888301)



Reply Favorite

Date: September 26th, 2019 5:02 AM
Author: Up-to-no-good maize scourge upon the earth

it's all a question of priorities. of figuring out the root of the problems and ripping those roots out

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888310)



Reply Favorite

Date: September 26th, 2019 5:10 AM
Author: citrine background story

True. Kikes are at the root of all of this. Minorities and Libs are just unwitting pawns

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888323)



Reply Favorite

Date: September 26th, 2019 5:46 AM
Author: Up-to-no-good maize scourge upon the earth

the browns and the blacks are the muscle of the jews and the libs are their deluded sycophants

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888333)



Reply Favorite

Date: September 26th, 2019 8:11 AM
Author: pearl electric kitchen ceo

*tosses you toasted everything bagel with lox and capers*

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888453)



Reply Favorite

Date: September 26th, 2019 8:10 AM
Author: pearl electric kitchen ceo



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888451)



Reply Favorite

Date: September 26th, 2019 5:07 AM
Author: Brindle domesticated mad cow disease idea he suggested

Trump promised cheaper care and coverage for more people so this doesnt make any sense at all



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888315)



Reply Favorite

Date: September 26th, 2019 5:07 AM
Author: Up-to-no-good maize scourge upon the earth

A JewCuck lied! you don't say!

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888318)



Reply Favorite

Date: September 26th, 2019 5:10 AM
Author: citrine background story

He really is garbage

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888327)



Reply Favorite

Date: September 26th, 2019 5:08 AM
Author: citrine background story

*obama

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888319)



Reply Favorite

Date: September 26th, 2019 6:31 AM
Author: ruby abusive french chef

It's cheaper if you just pay cash, and it's more coverage than what insurance provides since you actually get the services. #winning

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888351)



Reply Favorite

Date: September 26th, 2019 8:13 AM
Author: excitant really tough guy giraffe

LOL, poasting from first world country with cheap, high-quality health care here.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888457)



Reply Favorite

Date: September 26th, 2019 8:15 AM
Author: Zippy Trip Stead



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888463)



Reply Favorite

Date: September 26th, 2019 8:38 AM
Author: High-end charcoal box office

Health insurance cost for my family: 21k. 8k paid by us.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888516)



Reply Favorite

Date: September 26th, 2019 8:54 AM
Author: Razzle effete dog poop dopamine

No premiums here. I have never paid a dime for healthcare besides the $20 co-pay.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888570)



Reply Favorite

Date: September 26th, 2019 9:01 AM
Author: heady sanctuary

Lastt I checked I pay like 7k a year in premiums as a normal healthy guy

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888593)



Reply Favorite

Date: September 26th, 2019 9:30 AM
Author: Translucent Site



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888697)



Reply Favorite

Date: September 26th, 2019 9:18 AM
Author: walnut irate point doctorate

I have no clue because what good will it do me to know? these things are beyond your control.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888656)



Reply Favorite

Date: September 26th, 2019 9:32 AM
Author: Zombie-like smoky rehab gunner

Wow, I'm so old I remember when Obamacare was going to bend the cost curve and save the average family $2,500 a year. There must be a lag effect! Annnnnnnnnny minute now...

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888704)



Reply Favorite

Date: September 26th, 2019 9:33 AM
Author: walnut irate point doctorate

we let insurance companies write the health care bill, but somehow insurance company profits stay sky high. Strange!

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888711)



Reply Favorite

Date: September 26th, 2019 9:37 AM
Author: Zombie-like smoky rehab gunner

It sure is a kooky coincidence that Democrats passed a health insurance bill on a party line vote that only seems to benefit insurance companies. I'm sure this is unrelated to campaign contributions.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888728)



Reply Favorite

Date: September 26th, 2019 10:22 AM
Author: Cerise Sticky House Deer Antler



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888960)



Reply Favorite

Date: September 26th, 2019 1:57 PM
Author: frozen cream temple



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38890181)



Reply Favorite

Date: September 26th, 2019 2:14 PM
Author: Cobalt Institution



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38890269)



Reply Favorite

Date: September 26th, 2019 9:35 AM
Author: ivory autistic volcanic crater tanning salon

Why doesn't anyone here try short-term insurance? The premiums are much cheaper but deductibles are like 10k. If you are healthy and don't go to the doctor much, then this works.

https://www.uhone.com/

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888717)



Reply Favorite

Date: September 26th, 2019 9:08 PM
Author: 180 glassy chapel

They don't cover anything.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38892655)



Reply Favorite

Date: September 26th, 2019 9:18 PM
Author: ivory autistic volcanic crater tanning salon

They don't cover pre-existing conditions and pregnancies. Other than that everything is covered.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38892704)



Reply Favorite

Date: September 26th, 2019 9:23 PM
Author: 180 glassy chapel

One of clients had cancer treatment denied as a pre-existing condition, because it was always latently inside her. Fuck those cunts.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38892720)



Reply Favorite

Date: September 26th, 2019 9:23 PM
Author: ivory autistic volcanic crater tanning salon

LOL

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38892728)



Reply Favorite

Date: September 26th, 2019 9:56 AM
Author: cyan macaca meetinghouse

Don't worry, that number will drop once we start providing free coverage to pregnant 15 y/o Guatemalans

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888829)



Reply Favorite

Date: September 26th, 2019 10:07 AM
Author: tan range black woman

My firm covers 100% of my premiums and I’m on a PPO so all annuals for adults and well visits for kids are $0. Regular office visits are $10 and specialists $20. Family deductible is $500.

First birth was billed at $100k (emergency c section, complications) and I paid $5k (max OOP). Second birth normal billed at $50k (i paid $2000).

I realize this is completely atypical and crazy.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888877)



Reply Favorite

Date: September 26th, 2019 10:08 AM
Author: Indigo harsh karate locale

lmao of course

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888883)



Reply Favorite

Date: September 26th, 2019 10:13 AM
Author: walnut irate point doctorate



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38888910)



Reply Favorite

Date: September 26th, 2019 2:14 PM
Author: Cobalt Institution



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38890261)



Reply Favorite

Date: September 26th, 2019 12:47 PM
Author: Boyish emerald son of senegal degenerate

holy shit it sounds like you have a really good job! can you tell us some more about how awesome your job and you are? do they let you work from home so you don't have to leave the kid with a geriatric esl chink all day?

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38889770)



Reply Favorite

Date: September 26th, 2019 12:55 PM
Author: citrine background story



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38889814)



Reply Favorite

Date: September 26th, 2019 2:14 PM
Author: Cobalt Institution



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38890264)



Reply Favorite

Date: September 26th, 2019 6:49 PM
Author: Black toaster



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38891891)



Reply Favorite

Date: September 26th, 2019 6:52 PM
Author: ivory autistic volcanic crater tanning salon



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38891904)



Reply Favorite

Date: September 26th, 2019 12:48 PM
Author: Odious Den Kitty

fucking loser go fuck yourself lmao what shortcomings are you making up for exactly?

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38889775)



Reply Favorite

Date: September 26th, 2019 1:23 PM
Author: Green milk jew

lol at it costing 100k for nutella to have a child

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38889984)



Reply Favorite

Date: September 26th, 2019 7:18 PM
Author: citrine background story

Cr

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38891964)



Reply Favorite

Date: September 26th, 2019 1:17 PM
Author: Green milk jew

I pay 60k for health insurance for me and 4 staff. It's absurd.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38889946)



Reply Favorite

Date: September 26th, 2019 2:11 PM
Author: irradiated chartreuse newt

"Trump's America"

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38890248)



Reply Favorite

Date: September 26th, 2019 3:43 PM
Author: Curious nubile parlour

Proletarian revolution when

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38890773)



Reply Favorite

Date: September 26th, 2019 6:30 PM
Author: Outnumbered field

It's a pretty simple equation. Boomers on medicare pay nothing. Poor people on medicaid pay nothing. Illegal immigrants pay nothing.

As the middle class die, we either get the billionaires to pay for it or we the middle class / upper middle class fund the medical care for the other 90% of the country.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38891800)



Reply Favorite

Date: January 31st, 2024 12:09 AM
Author: Comical Olive Indirect Expression Church

Old thread, but still wrong, Champ. Wife and I are on Medicare and we paid $23,494 last year. That includes part B and part D premiums, Medigap insurance, and prescription coverage. Add a few $K for out of pocket charges for drugs and services not covered. Not to mention the accumulated Medicare taxes paid over the years.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#47349143)



Reply Favorite

Date: September 26th, 2019 10:15 PM
Author: umber toilet seat

If you join the military your healthcare is free.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#38892936)



Reply Favorite

Date: October 10th, 2023 11:18 PM
Author: purple concupiscible senate

lol how quaint this thread was when i made it

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#46917618)



Reply Favorite

Date: October 19th, 2023 2:07 AM
Author: purple concupiscible senate

$24,000 now:

WSJ: A family’s health insurance costs nearly $24,000 this year after the biggest increase in more than a decade

https://www.wsj.com/health/healthcare/health-inflations-big-hike-this-year-in-charts-2d278f69

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#46954097)



Reply Favorite

Date: December 21st, 2023 1:06 AM
Author: Idiotic impertinent location jewess

hahaha

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#47196003)



Reply Favorite

Date: November 7th, 2023 2:19 AM
Author: purple concupiscible senate

lol@ the retarded fucks in the other thread:

https://www.xoxohth.com/thread.php?thread_id=5440582&mc=48&forum_id=2

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#47028100)



Reply Favorite

Date: November 7th, 2023 7:25 PM
Author: purple concupiscible senate



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#47030964)



Reply Favorite

Date: December 21st, 2023 12:36 AM
Author: purple concupiscible senate



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#47195963)



Reply Favorite

Date: January 30th, 2024 11:55 PM
Author: purple concupiscible senate



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#47349107)



Reply Favorite

Date: April 3rd, 2024 11:37 PM
Author: purple concupiscible senate



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#47553799)



Reply Favorite

Date: June 3rd, 2024 2:19 AM
Author: purple concupiscible senate



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#47714645)



Reply Favorite

Date: June 3rd, 2024 4:31 AM
Author: aphrodisiac submissive dysfunction

$36k+ / annum for my family for middling coverage. And we pay it all ourselves.

the price of owning your own business and not being a wagecuck. LOL at America 'encouraging' entrepreneurship

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#47714686)



Reply Favorite

Date: June 3rd, 2024 7:25 AM
Author: Henna Faggot Firefighter Messiness

Great thread. The most ridiculous part of private insurance is that the insurance companies don't even cover the cost of old people because that's paid for by the govt. So which population of high risk individuals are normal, healthy employees subsidizing through high premiums? The insurance companies are probably just raking it in hand over fist or we're just subsidizing high hospital costs for giving free services to illegals.

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#47714806)



Reply Favorite

Date: October 6th, 2024 10:50 PM
Author: purple concupiscible senate



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#48171082)



Reply Favorite

Date: December 9th, 2024 11:35 PM
Author: purple concupiscible senate

mario bump

(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#48431591)



Reply Favorite

Date: December 26th, 2024 5:08 PM
Author: purple concupiscible senate



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#48489296)



Reply Favorite

Date: December 30th, 2024 2:04 AM
Author: purple concupiscible senate



(http://www.autoadmit.com/thread.php?thread_id=4351386&forum_id=2...id#48500513)