\
  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,...
Khaki Useless Brakes Meetinghouse
  09/26/19
How American Citizens Finance $18.5 Billion In Health Care F...
Chartreuse frisky sneaky criminal
  09/26/19
Our share of premiums is $4,800 annually. Deductible is Sky-...
racy chocolate den mediation
  09/26/19
how much do you pay out of pocket per year for health insura...
Khaki Useless Brakes Meetinghouse
  09/26/19
I pay $4,800 out of pocket, but pretax, for insurance premiu...
racy chocolate den mediation
  09/26/19
5k/yr...not too bad
Khaki Useless Brakes Meetinghouse
  09/26/19
That is cheap as hell. My premiums are $10,000 a year.
Indigo faggotry gay wizard
  09/26/19
...
Excitant theatre masturbator
  09/26/19
For my family of four on a silver, off-exchange plan, I pay ...
clear awkward step-uncle's house
  09/26/19
thats insane
Khaki Useless Brakes Meetinghouse
  09/26/19
Flame
Cyan Puppy
  09/26/19
Should have said not flame. I'm 1099 and my wife is current...
clear awkward step-uncle's house
  09/26/19
Jfc I got nauseous reading that not flame
Cyan Puppy
  09/26/19
...
dun stirring ratface
  09/26/19
You can deduct it if you pay it all though, correct?
dun stirring ratface
  09/26/19
...
Dull theater
  09/26/19
...
motley arrogant juggernaut chad
  09/26/19
this makes zero sense. You would've been better off uninsur...
Translucent lay
  09/26/19
*hospital sees you’re rich* “That’ll be...
laughsome whorehouse toilet seat
  09/26/19
then hire some "doula" to light incense and pray o...
Translucent lay
  09/26/19
...
Dull theater
  09/26/19
EXCELLENT WORK
Boyish Metal Brunch
  09/26/19
...
Federal Unhinged Orchestra Pit
  09/26/19
what you should actually do is show up at the hospital with ...
Gold Fanboi Stead
  09/26/19
cr just drop your wife off alone and tell her she doesn't sp...
Translucent lay
  09/26/19
...
clear awkward step-uncle's house
  09/26/19
...
Dull theater
  09/26/19
we are all immigrants, this is a nation of immigrants
Translucent lay
  09/26/19
Bill for delivery of first, which spent 7 days in NICU becau...
clear awkward step-uncle's house
  09/26/19
born shit eater, just like her daddy
adulterous factory reset button double fault
  10/10/23
180000000000000000000000000000000000
Khaki Useless Brakes Meetinghouse
  10/10/23
not flame, my employer covered a lot of that but mediocre in...
Hyperventilating Mad-dog Skullcap
  09/26/19
lol thought this was per year at first. jfc.
motley arrogant juggernaut chad
  09/26/19
In NY, those plans are closer to $3k/month
submissive buck-toothed center gunner
  09/26/19
I believe it. The gold and platinum options here are, too. ...
clear awkward step-uncle's house
  09/26/19
Why even buy insurance at that point? Just pay the cash rat...
Yellow wild internal respiration stock car
  09/26/19
Don't go to doctor but does this "negotiate it down&quo...
turquoise roommate
  09/26/19
You negotiate it with the billing dept, not the receptionist...
Yellow wild internal respiration stock car
  09/26/19
This sounds like a lot of effort and haggling, and then ther...
clear awkward step-uncle's house
  09/26/19
“This sounds like a lot of effort and haggling” ...
Yellow wild internal respiration stock car
  09/26/19
>>Bigger picture is that your employer is illegally us...
clear awkward step-uncle's house
  09/26/19
why would they negotiate with someone after the fact if they...
turquoise roommate
  09/26/19
First of all, they have no idea about your ability to pay. ...
Yellow wild internal respiration stock car
  09/26/19
This is misleading. If you count all the illegals paying $0 ...
Impressive Death Wish
  09/26/19
yes, blame the mexicans for your health costs! cackled the j...
submissive buck-toothed center gunner
  09/26/19
We need to gas all the Jews too
Impressive Death Wish
  09/26/19
it's all a question of priorities. of figuring out the root ...
submissive buck-toothed center gunner
  09/26/19
True. Kikes are at the root of all of this. Minorities and L...
Impressive Death Wish
  09/26/19
the browns and the blacks are the muscle of the jews and the...
submissive buck-toothed center gunner
  09/26/19
*tosses you toasted everything bagel with lox and capers*
Cyan Puppy
  09/26/19
...
Cyan Puppy
  09/26/19
Trump promised cheaper care and coverage for more people so ...
aromatic jet sex offender
  09/26/19
A JewCuck lied! you don't say!
submissive buck-toothed center gunner
  09/26/19
He really is garbage
Impressive Death Wish
  09/26/19
*obama
Impressive Death Wish
  09/26/19
It's cheaper if you just pay cash, and it's more coverage th...
Aphrodisiac snowy pistol market
  09/26/19
LOL, poasting from first world country with cheap, high-qual...
beady-eyed well-lubricated stage
  09/26/19
...
Up-to-no-good Philosopher-king
  09/26/19
Health insurance cost for my family: 21k. 8k paid by us.
house-broken mexican
  09/26/19
No premiums here. I have never paid a dime for healthcare be...
French Institution Striped Hyena
  09/26/19
Lastt I checked I pay like 7k a year in premiums as a normal...
Salmon Dragon Deer Antler
  09/26/19
...
Dull theater
  09/26/19
I have no clue because what good will it do me to know? thes...
Translucent lay
  09/26/19
Wow, I'm so old I remember when Obamacare was going to bend ...
sick infuriating alpha
  09/26/19
we let insurance companies write the health care bill, but s...
Translucent lay
  09/26/19
It sure is a kooky coincidence that Democrats passed a healt...
sick infuriating alpha
  09/26/19
...
brass background story goyim
  09/26/19
...
Boyish Metal Brunch
  09/26/19
...
sticky site
  09/26/19
Why doesn't anyone here try short-term insurance? The premiu...
Sooty Police Squad
  09/26/19
They don't cover anything.
Indigo faggotry gay wizard
  09/26/19
They don't cover pre-existing conditions and pregnancies. Ot...
Sooty Police Squad
  09/26/19
One of clients had cancer treatment denied as a pre-existing...
Indigo faggotry gay wizard
  09/26/19
LOL
Sooty Police Squad
  09/26/19
Don't worry, that number will drop once we start providing f...
Supple Cruise Ship
  09/26/19
My firm covers 100% of my premiums and I’m on a PPO so...
Yellow wild internal respiration stock car
  09/26/19
lmao of course
motley arrogant juggernaut chad
  09/26/19
...
Translucent lay
  09/26/19
...
sticky site
  09/26/19
holy shit it sounds like you have a really good job! can yo...
heady community account patrolman
  09/26/19
...
Impressive Death Wish
  09/26/19
...
sticky site
  09/26/19
...
Contagious grizzly location
  09/26/19
...
Sooty Police Squad
  09/26/19
fucking loser go fuck yourself lmao what shortcomings are yo...
Titillating carmine cumskin sweet tailpipe
  09/26/19
lol at it costing 100k for nutella to have a child
Autistic honey-headed ladyboy locus
  09/26/19
Cr
Impressive Death Wish
  09/26/19
I pay 60k for health insurance for me and 4 staff. It's absu...
Autistic honey-headed ladyboy locus
  09/26/19
"Trump's America"
avocado nursing home cuckoldry
  09/26/19
Proletarian revolution when
Bossy blood rage national security agency
  09/26/19
It's a pretty simple equation. Boomers on medicare pay nothi...
Comical stage
  09/26/19
Old thread, but still wrong, Champ. Wife and I are on Medica...
Cerise weed whacker
  01/31/24
If you join the military your healthcare is free.
Federal Unhinged Orchestra Pit
  09/26/19
lol how quaint this thread was when i made it
Khaki Useless Brakes Meetinghouse
  10/10/23
$24,000 now: WSJ: A family’s health insurance costs...
Khaki Useless Brakes Meetinghouse
  10/19/23
hahaha
electric insecure senate
  12/21/23
lol@ the retarded fucks in the other thread: https://www....
Khaki Useless Brakes Meetinghouse
  11/07/23
...
Khaki Useless Brakes Meetinghouse
  11/07/23
...
Khaki Useless Brakes Meetinghouse
  12/21/23
...
Khaki Useless Brakes Meetinghouse
  01/30/24
...
Khaki Useless Brakes Meetinghouse
  04/03/24
...
Khaki Useless Brakes Meetinghouse
  06/03/24
$36k+ / annum for my family for middling coverage. And we pa...
Hot fiercely-loyal plaza corn cake
  06/03/24
Great thread. The most ridiculous part of private insurance ...
pearly odious digit ratio
  06/03/24
...
Khaki Useless Brakes Meetinghouse
  10/06/24
mario bump
Khaki Useless Brakes Meetinghouse
  12/09/24
...
Khaki Useless Brakes Meetinghouse
  12/26/24
...
Khaki Useless Brakes Meetinghouse
  12/30/24


Poast new message in this thread



Reply Favorite

Date: September 26th, 2019 2:11 AM
Author: Khaki Useless Brakes Meetinghouse

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: Chartreuse frisky sneaky criminal

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: racy chocolate den mediation

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: Khaki Useless Brakes Meetinghouse

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: racy chocolate den mediation

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: Khaki Useless Brakes Meetinghouse

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: Indigo faggotry gay wizard

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: Excitant theatre masturbator



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



Reply Favorite

Date: September 26th, 2019 2:46 AM
Author: clear awkward step-uncle's house

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: Khaki Useless Brakes Meetinghouse

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: Cyan Puppy

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: clear awkward step-uncle's house

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: Cyan Puppy

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: dun stirring ratface



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



Reply Favorite

Date: September 26th, 2019 6:36 AM
Author: dun stirring ratface

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: Dull theater



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



Reply Favorite

Date: September 26th, 2019 8:36 AM
Author: motley arrogant juggernaut chad



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



Reply Favorite

Date: September 26th, 2019 8:36 AM
Author: Translucent lay

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: laughsome whorehouse toilet seat

*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: Translucent lay

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: Dull theater



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



Reply Favorite

Date: September 26th, 2019 1:56 PM
Author: Boyish Metal Brunch

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: Federal Unhinged Orchestra Pit



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



Reply Favorite

Date: September 26th, 2019 9:22 AM
Author: Gold Fanboi Stead

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: Translucent lay

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: clear awkward step-uncle's house



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



Reply Favorite

Date: September 26th, 2019 9:28 AM
Author: Dull theater



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



Reply Favorite

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

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: clear awkward step-uncle's house

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: adulterous factory reset button double fault

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: Khaki Useless Brakes Meetinghouse

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: Hyperventilating Mad-dog Skullcap

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: motley arrogant juggernaut chad

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: submissive buck-toothed center gunner

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: clear awkward step-uncle's house

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: Yellow wild internal respiration stock car

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: turquoise roommate

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: Yellow wild internal respiration stock car

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: clear awkward step-uncle's house

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: Yellow wild internal respiration stock car

“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: clear awkward step-uncle's house

>>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: turquoise roommate

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: Yellow wild internal respiration stock car

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: Impressive Death Wish

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: submissive buck-toothed center gunner

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: Impressive Death Wish

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: submissive buck-toothed center gunner

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: Impressive Death Wish

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: submissive buck-toothed center gunner

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: Cyan Puppy

*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: Cyan Puppy



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



Reply Favorite

Date: September 26th, 2019 5:07 AM
Author: aromatic jet sex offender

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: submissive buck-toothed center gunner

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: Impressive Death Wish

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: Impressive Death Wish

*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: Aphrodisiac snowy pistol market

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: beady-eyed well-lubricated stage

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: Up-to-no-good Philosopher-king



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



Reply Favorite

Date: September 26th, 2019 8:38 AM
Author: house-broken mexican

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: French Institution Striped Hyena

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: Salmon Dragon Deer Antler

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: Dull theater



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



Reply Favorite

Date: September 26th, 2019 9:18 AM
Author: Translucent lay

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: sick infuriating alpha

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: Translucent lay

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: sick infuriating alpha

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: brass background story goyim



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



Reply Favorite

Date: September 26th, 2019 1:57 PM
Author: Boyish Metal Brunch



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



Reply Favorite

Date: September 26th, 2019 2:14 PM
Author: sticky site



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



Reply Favorite

Date: September 26th, 2019 9:35 AM
Author: Sooty Police Squad

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: Indigo faggotry gay wizard

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: Sooty Police Squad

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: Indigo faggotry gay wizard

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: Sooty Police Squad

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: Supple Cruise Ship

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: Yellow wild internal respiration stock car

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: motley arrogant juggernaut chad

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: Translucent lay



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



Reply Favorite

Date: September 26th, 2019 2:14 PM
Author: sticky site



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



Reply Favorite

Date: September 26th, 2019 12:47 PM
Author: heady community account patrolman

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: Impressive Death Wish



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



Reply Favorite

Date: September 26th, 2019 2:14 PM
Author: sticky site



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



Reply Favorite

Date: September 26th, 2019 6:49 PM
Author: Contagious grizzly location



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



Reply Favorite

Date: September 26th, 2019 6:52 PM
Author: Sooty Police Squad



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



Reply Favorite

Date: September 26th, 2019 12:48 PM
Author: Titillating carmine cumskin sweet tailpipe

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: Autistic honey-headed ladyboy locus

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: Impressive Death Wish

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: Autistic honey-headed ladyboy locus

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: avocado nursing home cuckoldry

"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: Bossy blood rage national security agency

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: Comical stage

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: Cerise weed whacker

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: Federal Unhinged Orchestra Pit

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: Khaki Useless Brakes Meetinghouse

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: Khaki Useless Brakes Meetinghouse

$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: electric insecure senate

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: Khaki Useless Brakes Meetinghouse

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: Khaki Useless Brakes Meetinghouse



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



Reply Favorite

Date: December 21st, 2023 12:36 AM
Author: Khaki Useless Brakes Meetinghouse



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



Reply Favorite

Date: January 30th, 2024 11:55 PM
Author: Khaki Useless Brakes Meetinghouse



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



Reply Favorite

Date: April 3rd, 2024 11:37 PM
Author: Khaki Useless Brakes Meetinghouse



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



Reply Favorite

Date: June 3rd, 2024 2:19 AM
Author: Khaki Useless Brakes Meetinghouse



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



Reply Favorite

Date: June 3rd, 2024 4:31 AM
Author: Hot fiercely-loyal plaza corn cake

$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: pearly odious digit ratio

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: Khaki Useless Brakes Meetinghouse



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



Reply Favorite

Date: December 9th, 2024 11:35 PM
Author: Khaki Useless Brakes Meetinghouse

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: Khaki Useless Brakes Meetinghouse



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



Reply Favorite

Date: December 30th, 2024 2:04 AM
Author: Khaki Useless Brakes Meetinghouse



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