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What Does Everyone Do For Health Insurance?

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theabortionator
Posts: 51257 - Karma: 157,315
My mom worked for the state and was on her health insurance. It got extended and was able to stay on till I turn 26. I'm 3 months away from that and wondering what I should dabble in.

Also curious with my luck if anyone would want to insure me. At the same time I only go to the doctor if Im dead or at risk of being dead so not that often.

I don't really make enough to afford health insurance or at least at some of the prices I've heard from people. At the same time I don't want to be back without any insurance like I was for a few years, especially at this point in my life and pretty much living in the terrain park.

What's everyone doing? If you pay for health insurance how much are you paying? What kind of coverage do you have?
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Dec 1 2014 4:45PM
147 63
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Bateman
Posts: 8590 - Karma: 8,600
Oh, is that a thing? Sorry, I guess I couldn't hear you over the sound of all your freedom.
Dec 1 2014 4:49PM
16 8
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louie.mirags
Posts: 6015 - Karma: 5,028
I get it through my job. It is an extra 60 or so a month including vision and dental. However, my copay for an emergency room visit for example is upto a thousand buckaroos. That is a lot! To lower it to 500 a visit would be 120 a month. So, I really have it justttttt in case. I know insurance is always in case shit happens, but I really gotta be hurting to go.
Dec 1 2014 4:54PM
2 0
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dispatchQ_main
Posts: 2619 - Karma: 629
canada
Dec 1 2014 4:56PM
18 1
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Mingg
Posts: 13936 - Karma: 48,464
My mom works at a hospital so I'm on her health insurance. I don't believe she pays anything for it. I think it's one of her benefits.
Dec 1 2014 4:59PM
1 1
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jca
Posts: 4162 - Karma: 6,261
canada
Dec 1 2014 5:04PM
17 2
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~~~~~~~~
Posts: 2345 - Karma: 2,104
Mom works for the state as well so we probably have the same insurance.
Dec 1 2014 5:11PM
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.Hugo.
Posts: 17360 - Karma: 28,466
I work for the state. Get health insurance for free!
Dec 1 2014 5:15PM
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GayWolf420
Posts: 36660 - Karma: 110,395
parents supply it, primarily my dad through his work. definitely stoked on that, real thankful to have some sort of cost of living covered.
Dec 1 2014 5:16PM
0 1
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Aomame
Posts: 281 - Karma: 479
If you're in 'muurriica dont you need to have insurance now cause of obamacare? like isnt it basically illegal to not have health insurance?
Dec 1 2014 5:23PM
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CaptainObvious.
Posts: 5711 - Karma: 20,627
I work for mine.
Dec 1 2014 5:23PM
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Blurst
Posts: 13577 - Karma: 10,168
8 hour emergency room wait times for me!

up here in the north we pay in wasted time.
Dec 1 2014 5:30PM
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steezbox
Posts: 1394 - Karma: 701
Move to Canada brah.
Dec 1 2014 5:40PM
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TheUngroomed
Posts: 1251 - Karma: 335
I get mine through my job. It's only about $15 (so roughly $4 a paycheck, so I really don't notice it at all) and it includes dental, vision, and health insurance
Dec 1 2014 6:37PM
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japanada
Posts: 13784 - Karma: 1,957
Ive got that dreaded obama care... I get a pretty large credit that allows me to get the gold/platinum plans for $100-$150 a month due to me being in the sweet spot, and living in a state with a large surplus. I will sub 1k deductible, $30 doctor visits and $5 prescriptions. A comparable plan would have cost me at least $400 through any major insurance carrier.
Dec 1 2014 6:48PM
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J.D.
Posts: 21362 - Karma: 5,141
Also in Canada but have a supplemental health plan through my employer that pays for drugs / dental / knee braces / massages and such.
Dec 1 2014 6:48PM
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All_Alpine
Posts: 183 - Karma: 457
AomameIf you're in 'muurriica dont you need to have insurance now cause of obamacare? like isnt it basically illegal to not have health insurance?


Not quite illegal but this year you'll get a fine on your taxes for NOT having insurance. Best I can say man to avoid the penalty in the future is to shop your states healthcare exchange for the bargain basement coverage or marry someone quickly who will extend their coverage.

On a side note, this thread is very telling of how old folks are in this bles-sed site of ours.
Dec 1 2014 6:51PM
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CashForToast
Posts: 265 - Karma: 2,447
I give the head of the ski patrol at my home mountain $13 every month. He is my only source of health insurance.
Dec 1 2014 6:54PM
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corona
Posts: 12751 - Karma: 32,253
Blurst8 hour emergency room wait times for me!

up here in the north we pay in wasted time.


Which is a pretty fabulous pay per hour.

Last time I was in the hospital I waited ~2 hours for surgery that would have costed ~$15-20,000 in the states. Minus the 6ish% I pay from my income for healthcare over my working life, I'm still in the thousands of $$/hour for that visit.
Dec 1 2014 7:06PM
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AT-AT
Posts: 3281 - Karma: 3,256
I get health insurance through my mother's plan. She works for the state so my coverage is hella-good.

I would also be able to get coverage through my employment, but it would not be nearly as good as what I get through my coverage now.


PS. It is really scary how much the price of insurance has gone up, while the benefits of said insurance has gone down.
Dec 1 2014 7:10PM
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eheath
Posts: 61091 - Karma: 118,105
Im turning 26 in like two weeks so Im in the same situation. Fortunately my employer offers health insurance, so thats definitely the best way to go IMO. I know a few friends who did obamacare but i have no idea the details of enrollment, etc.
Dec 1 2014 7:29PM
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no_steeze
Posts: 23992 - Karma: 4,267
My mom gets insurance for the family through the college she works for so I'm covered for another 4 years until I'm 26 as well. Hopefully by then i will have a job that offers it
Dec 1 2014 7:34PM
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cydwhit
Posts: 5065 - Karma: 42,823
I was on school insurance for a year, it was obscene, like 1400 a year, but I had to get it because I BS'd the application process and they audited me and found out I didn't have legit insurance, at like christmas. Now I am on blue cross Idaho or something. I have no idea what I pay, I should probably check that, haha, I just pay in one big chunk every year and get really weak coverage. I need to figure out insurance as well. My parents are on some kind of Christian Care Medishare or something that is super cheap but really doesn't cover anything, I might look into that, it's like some kind of co-pay or something. I've also heard Obama-care is a ridiculously good deal for people our age but I dislike the idea so I haven't looked into it yet
Dec 1 2014 7:51PM
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amieastcoastyet
Posts: 172 - Karma: 173
parents
Dec 1 2014 7:55PM
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miroz
Posts: 10333 - Karma: 3,947
I'm on my university student plan, which is compensated. The only crappy part is there is a distinct difference in co-pay and deductible whether I go to the university care center or anywhere else, even though the coverage is through a national provider, Aetna. Eh, oh well, it's nice to be covered.

What do people do when they're in between jobs? If you spend 3 months looking for and transitioning to a new position, what happens? Surely the old employer will not cover you? But it seems strange to sign onto a new plan for such a brief period of time...
Dec 1 2014 7:59PM
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soulskier
Posts: 17805 - Karma: 3,821
I opt out of my insurance at work and get a little bit of compensation for it

It'll be that way until I turn 26 (3/15) at which point I'll have to get off the parental teat and get it through work
Dec 1 2014 8:13PM
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FuckAllOfYou
Posts: 3864 - Karma: 2,518
cydwhitI've also heard Obama-care is a ridiculously good deal for people our age but I dislike the idea so I haven't looked into it yet


well that's just silly
Dec 1 2014 8:32PM
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cydwhit
Posts: 5065 - Karma: 42,823
MEDSKI_well that's just silly


Haha, I know, I think I have like 4 months left in my current plan, as it runs out I'll look into it.
Dec 1 2014 8:40PM
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seanahue.
Posts: 2141 - Karma: 3,366
Obamacare reimbursement is based on your reported income, which is great for some people. For me, it fucking sucks. I've worked as a bellman/waiter for the last 3-4yrs, and while I was working for Hilton they provides great health/dental benefits that were deducted straight out of my paycheck. It was great while it lasted, but I quit that job and moved to CO, so now I'm in between jobs and its pretty much the hardest time of my life when it comes to insurance. My reported income is literally below the poverty line (
Dec 1 2014 9:39PM
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seanahue.
Posts: 2141 - Karma: 3,366
seanahue.Obamacare reimbursement is based on your reported income, which is great for some people. For me, it fucking sucks. I've worked as a bellman/waiter for the last 3-4yrs, and while I was working for Hilton they provides great health/dental benefits that were deducted straight out of my paycheck. It was great while it lasted, but I quit that job and moved to CO, so now I'm in between jobs and its pretty much the hardest time of my life when it comes to insurance. My reported income is literally below the poverty line (


fucking mobile... i'll finish when i get to my laptop
Dec 1 2014 9:41PM
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theabortionator
Posts: 51257 - Karma: 157,315
seanahue.My reported income is literally below the poverty line (



No way. I haven't even come close to making it above the poverty line. Mt life for the win.

Someday
Dec 1 2014 9:43PM
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PeppermillReno
Posts: 4748 - Karma: -565
Shame there are no replies other than kids being under 26 or people having it through full time jobs.

I make plenty of money to ski and stuff being self employed but the United States is a shitty country it wastes all this money on a fucking stupid and unneeded army when there is zero threat of invasion and then tricks is MORONIC population into thinking universal heathcare is a bad thing.


I personally think its disgusting that people are forced into slavery in order to visit the doctors in the USA. This country is an awesome place with awesome stuff but its values are disgusting especially the hate Obama gets for trying to bring about universal coverage.

I think I still have the Mitt Romney MA health care that was Obamacare before Obamacare but I haven't filled shit out in a few years however obviously I'd say I have that and to bill it if anything happens and Im a dual citizen I can move if i want.


Im not fucking paying any of that shit though if I get billed ffs this fucking country and all the morons who think our oversized army is a good thing. Again a lot of cool stuff (mountains, ocean, etc etc) here but the USA sucks and it isn't even good at war take a look back at history the USA was too cowardly to join either WW1 or WW2 in Europe until most of the fighting was finished and had to CHEAT and nuke Japan to beat them... couldn't even win in Korea North Korea is still there (need to keep enemies around to justify the corporate war machine though) and LOST to Vietnam.

I actually like America btw Im not anti-patriotic I just hate the army fuck them you aren't defending any of my freedom Canada isn't about to invade us and think people shouldn't be forced into wage slavery so they can go to the doctor.
Dec 1 2014 9:51PM
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Tinga
Posts: 11349 - Karma: 2,333
I've got 8 more months on my parents then I'll probably go public for a while.
Dec 1 2014 9:57PM
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louie.mirags
Posts: 6015 - Karma: 5,028
PeppermillRenoShame there are no replies other than kids being under 26 or people having it through full time jobs.


What are you rambling about? How is it a shame that people find jobs with insurance?
Dec 1 2014 9:58PM
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skier_boy26
Posts: 11295 - Karma: 502
Gettin butt fucked on the exchange. Had a solid plan through work but alas no more.
Dec 1 2014 10:03PM
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JGWI
Posts: 2842 - Karma: 7,812
I'm under 26 so I still have a while on my dad's plan which he pays little for. Ended up with $280,000 in claims last year so they have forever lost money on me.
Dec 1 2014 10:07PM
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PeppermillReno
Posts: 4748 - Karma: -565
Cliff notes- Im screwed and a huge bills coming even if something minor happens on the slopes...life changes at some point I'll have a job or buy coverage but I m trying to be able to be on the slopes the next few months not showing up somewhere for 40 hrs so I can visit the doctor which I rarely do anyway.
Dec 1 2014 10:16PM
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AT-AT
Posts: 3281 - Karma: 3,256
PeppermillRenoCliff notes- Im screwed and a huge bills coming even if something minor happens on the slopes...life changes at some point I'll have a job or buy coverage but I m trying to be able to be on the slopes the next few months not showing up somewhere for 40 hrs so I can visit the doctor which I rarely do anyway.


One day you will understand the joys that can come from working a full time job.
Dec 1 2014 10:19PM
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Anathema
Posts: 21048 - Karma: 5,061
i prefer to just be immune to everything
Dec 1 2014 10:52PM
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PeppermillReno
Posts: 4748 - Karma: -565
louie.miragsWhat are you rambling about? How is it a shame that people find jobs with insurance?


Hey, some people can write a 5 page paper in 30 minutes and some take 3 hours.

I don't need to consume myself in 40 hours a week of wage slavery to put a roof over my head or whatnot. So why do I get punished without access to health care like employees?


Remember if you are only earning 11 bucks an hour and they are taking shit out for your health insurance and all that your take home is not a liveable amount of money for an adult and you aren't too different to a black person pre 1870 in the south are you?


People should be protesting Ferguson style over stuff like this.
Dec 1 2014 11:03PM
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skier_boy26
Posts: 11295 - Karma: 502
PeppermillRenoCliff notes- Im screwed and a huge bills coming even if something minor happens on the slopes...life changes at some point I'll have a job or buy coverage but I m trying to be able to be on the slopes the next few months not showing up somewhere for 40 hrs so I can visit the doctor which I rarely do anyway.


Buy something supplemental and fairly inexpensive that covers skiing rather than being a bitch?
Dec 1 2014 11:04PM
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skiskate
Posts: 787 - Karma: 823
Canada, but have full dental,vision,drugs and massages/chiro from work. Pretty much only use dental and the massages
Dec 1 2014 11:11PM
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danbrown
Posts: 11932 - Karma: 21,775
full time job, insurance through employer. they take out $48 per paycheck, so $96/month
Dec 1 2014 11:16PM
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SKI.ING
Posts: 2695 - Karma: 2,535
Still on my dad's, I don't get it through my employer and about to age out so it's definitely stressful to think about. I'm dreading it. I have a condition where I go to the doctor semi regularly so I just can't avoid it like some young people.
Dec 1 2014 11:19PM
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PeppermillReno
Posts: 4748 - Karma: -565
AT-ATOne day you will understand the joys that can come from working a full time job.


Nah man Im really good on that. Did I say I was broke? Ill be skiing next 3 days staying in a nice Marriott Residence Inn in North Conway mad vaping and steak dinners win money on fan duel bet hoops etc etc etc.

The whole point is everything is directly related and fucked. I might ski 100 days this year many of them in good mountains I plan on hitting everywhere on the mountain collective but I would really like health insurance and am pissed I don't have it automatically as a right.

(Im 29 tho college educated and make what I would with a good waiting bartending job not balling just a median income.)


Also I guess I can always marry someone with a job and be covered but what happens if things are going well enough for me that I want my wife to stay home and raise the kids? One person has to work. If its me I'll be like fucking Kevin Spacey in American Beauty working at a fast food place just so my kids can have shitty health coverage with big copays and duductables etc etc etc.

System is fucked people gotta protest ferguson style against this shit.
Dec 1 2014 11:26PM
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jblaski
Posts: 5561 - Karma: 1,027
Currently have benefits through the city/work. Costs about $6 per paycheck for everything.

Before that, from ages 22-30, I had zero insurance, and was on the "hope-for-the-best" plan. Worked out well, as I only had to go to insta-care once.

I wouldn't recommend that way though.
Dec 1 2014 11:27PM
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PeppermillReno
Posts: 4748 - Karma: -565
skier_boy26Buy something supplemental and fairly inexpensive that covers skiing rather than being a bitch?



Its not that easy. You can't even buy health insurance and sign up out of pocket something like 9 months a year its only offered a couple months a year. Don't you remember fucking Obama being like 'You gotta hurry up its a really good deal but it ends next week' when he brought out Obamacare for young people? What I joke. Why can't we sign up tomorrow?


It is what it is. Im fine with how I am handling the situation for now and I have the option to move somewhere with universal healthcare.

But what I won't do is be a sheep and be complicit in being robbed of an inalienable right though I will speak out and say that its horrible that this country wants to defend itself from a Mexican invasion armed to the hilts more than allow people to go to the doctor unless they work 40 hrs a week.
Dec 1 2014 11:46PM
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Barefootin_Fiend
Posts: 7618 - Karma: 4,727
i have insurance for myself and significant other through my employer. however, we also have supplemental insurance coverage through aflac that pays out xxxx amount of dollars per day if you're in the hospital, go to the ER, etc. it's pretty cheap and helps offset any out of pocket expenses incurred with a major medical issue.
Dec 2 2014 12:15AM
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seanahue.
Posts: 2141 - Karma: 3,366
theabortionatorNo way. I haven't even come close to making it above the poverty line. Mt life for the win.

Someday


Haha, this will be very relevant to your situation then.

I take back what I said about being below the poverty line, the line itself is roughly 12k per year, and my reported income was slightly above that. My actual income was probably 3-4x that, but it was all in cash tips so the IRS doesn't know shit about it.

In retrospect, I kinda wish I would have reported at least some of it, because once you go above roughly 16k a year you become eligible for Obamacare reimbursement. What a lot of people don't understand about Obamacare is that it is not 'health insurance' in and of itself; you go find private 3rd party insurance coverage just like before, only now the government will reimburse you a proportional amount of that coverage fee according to your income. It's not 'universal healthcare' by any means, it's just a mid-way point to encourage people to invest in coverage they wouldn't be able to afford otherwise. Just to give you an idea, most private insurance plans run anywhere from $400-600 a month, and that's for just medium-level plans that still have pretty high deductibles... fucking highway robbery I tell ya.

Since I fall just below the Obamacare eligibility line, I am eligible for Medicaid instead. You have to apply for it online, just like Obamacare. Medicaid is technically 'free,' but only a select few hospitals/doctors/dentists accept it, and the ones that do have 2-3 month or longer wait periods just to schedule an appointment. Kinda fucking sucks really, but at least its something, and I won't get fined at the end of the year for not having insurance; I'm just grateful I don't have a pressing health issue where the wait times would really affect me.Needless to say, finding a job that has good benefits is my #1 priority right now.

If you have more questions about what plans you do/don't qualify for, check this website: http://obamacarefacts.com/federal-poverty-level/ , it has a ton of useful info, and state-by-state links to health insurance quotes and marketplaces.

I love the mountain life too, but if you're not careful with insurance planning you can easily get buried in 6-figure medical bills for the rest of your life. Real talk. Good luck man.
Dec 2 2014 1:22AM
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