02-27-2016, 04:12 AM
My premiums have only gone up. But the insurance/medical system is so fucked up I don't even know where to start. Fewer and fewer Drs. are accepting insurance (they want you to pay and submit your own claims) because the insurance companies want to set "reasonable and customary costs" that the Drs. won't agree to. Then, if you go out of your network, the insurance will only pay a percentage of that same cost they were negotiating with the Dr....not 60% of what the Dr billed. No, no. What THEY think the costs should be.
Another thing to watch out for...my daughter was in residential treatment when insurance stopped paying. So the hospital billed us their regular rate for 45 days or so....around $50k. WAIT JUST A MINUTE. I went back and looked at the 100% our insurance HAD been paying them and it was more like $21k a month so we're negotiating with them to pay them at least closer to what they were receiving from our insurance before we got cut off. Those numbers aren't exact but when you pay out of pocket, it doesn't hurt to check what they would accept from an insurance company for the same care.
It's a mess. I'm glad my kids will be on our policy (if we want) to 25, right? That was from OC...right again? I just feel like it was slapped together and pushed through but isn't a near perfect plan at all. I wouldn't tear it up and throw it away but it's sloppy and I think it may need to be majorly revised.
Another thing to watch out for...my daughter was in residential treatment when insurance stopped paying. So the hospital billed us their regular rate for 45 days or so....around $50k. WAIT JUST A MINUTE. I went back and looked at the 100% our insurance HAD been paying them and it was more like $21k a month so we're negotiating with them to pay them at least closer to what they were receiving from our insurance before we got cut off. Those numbers aren't exact but when you pay out of pocket, it doesn't hurt to check what they would accept from an insurance company for the same care.
It's a mess. I'm glad my kids will be on our policy (if we want) to 25, right? That was from OC...right again? I just feel like it was slapped together and pushed through but isn't a near perfect plan at all. I wouldn't tear it up and throw it away but it's sloppy and I think it may need to be majorly revised.
Commando Cunt Queen