BlueCross BlueShield

c20elephant

C20ELEPHANT
Apr 25, 2013
2,065
0
0
Phoenix, Arizona
James, find an independent insurance agent, not a captive one. You're wasting time sifting through companies whereas an independent agent works for you and sifts through the companies and earns his commission from the company that he places the policy with.
 

C.bowles2

2005 lly duramax
Nov 16, 2013
489
0
16
Ohio
Aetna here with the norfolk southern rail road. $200 a month per person. 20$ copay for doctor visits, $5 for prescriptions and 90/10 plan i believe and its still expensive, and it used to be all paid for years ago. Just a monthly fee but they did away with that. Still adds up though, especially when your 22 and all your money goes into diesel performance. But seriously the health care system in this country is ridicules. Before i had this job i was a gm mechanic making 13/hr and i couldn't afford healthcare then so i opted out. And for a while i didnt have any insurance and everything was virtually free! I had a knee surgery, a couple ER visits and prescriptions filled and i never paid a cent because i didnt have insurance and i had low income. Unbelievable, this is why people in this country choose not to advance themselves because the gov. steps in and covers their asses when in reality it should be feast or famine. My .02 cents




Sent from my iPhone using Tapatalk
 

Kat

Wicked Witch of the West
Aug 2, 2006
17,899
13
38
60
Norco, CA
Kat, I may need to call you one day or Pat. We are looking into offering benefits to our employees at the shop but we get quite the run around from companies

James, find an independent insurance agent, not a captive one. You're wasting time sifting through companies whereas an independent agent works for you and sifts through the companies and earns his commission from the company that he places the policy with.

Yep, we use a broker. They will run a couple of other bids to compare with Health Net but most times the cost is not worth it to change. They also handle our 401k plan.

http://seasideadvisory.com/

Not sure if they do Arizona though.
 

THEFERMANATOR

LEGALLY INSANE
Feb 16, 2009
3,890
43
48
43
ZEPHYRHILLS, FL
My employer has historically had really good coverage at virtually no cost to us. It went up for the first time in a long time last year, then we got hit with the stupid Cadillac tax this year (thanks Obamacare), and it went up so much my employer had to cut coverage AND increase rates :mad:

I thought the point of Obamacare was to improve healthcare, yet here it is getting worse and more expensive. Gotta pay for the illegals somehow I guess :mad:
Obamacare was started for one reason, and one reason ONLY, CONTROL! It had NOTHING to do with healthcare as FEWER peopel were insured a year after implementation than before it went into affect. It was all written by insurance companies to benefit insurance companies. Having used insurance recently, and seen the corruption in it, I can ASSURE you the ONLY peopel benefiting from it ARE the insureance companies. I got charged over $1200 in BS added on charges for a surgery in 12/13, but becuase of ocare, blue cross told me to pound sand and pay it, they wouldn't dispute it or even consider it. I filed a complaint with the providers, and they basically told me pay it because they knew the insurance companies were on there side. The thing many overlook about it is it GUARANTEES the insurance companies that sell policies under the exchange to NOT lose money on ANY policy it writes. So if they mess up, guess who just payed, the taxpayers. I had MAJOR hip surgery done in 2002, and it cost less than $22K for EVERYTHING! I had hip surgery done again in 2013(not as major as 2002, but still quite a bit) that occupied the OR for maybe half the amount of time, and it cost right at $100K for the hospital alone(the surgeon doing the work got maybe $1200 for his part). After having to use insurance, you get REALLY PISSED off about all this, espescially when you see what you're paying, and how little you get in return.
 

c20elephant

C20ELEPHANT
Apr 25, 2013
2,065
0
0
Phoenix, Arizona
Go back to 1993 during the Clinton administration, "Obama care" was not created/drafted during his administration just so happened he was in office when it was passed. National healthcare took a bit longer to impose upon the American public IMHO...
 

DIESELMAFIAPER.LB7

<----new hotness
Jan 17, 2010
5,163
12
38
idaho
shop.dieselmafiaperformance.com
mines going up to. its thanks to Obama care and liberals everywhere.

mine was 188 for me and my wife now its 588 and got another letter saying its hoinhg up another 56 bucks and I have another kid on the way so then it'll go up another 180 bucks in 8 months.

if doctors didn't have all the stupid lawsuits they have to pay outrageous insurance on and if the government would stay the **** outta the way we'd be much better off...

oh and btw my coverage doesn't do shit. Im to the point im going to drop it all. I had a 4800 er visit it didn't do anything for me it doesn't cover anything for my wifes pregnancy. why even have it

ps the end goal of this bullshit is a single payer system
 

NC-smokinlmm

<<<Future tuna killer
May 29, 2011
5,189
354
83
At Da Beach
I'm shopping around but the insurance companies dont offer the plans I used to buy anymore. Seems they were told to push us into bigger plans that cost more. We need to stop this BS....
 

56taskforce

Well-known member
Mar 30, 2014
1,081
56
48
Obamacare was started for one reason, and one reason ONLY, CONTROL! It had NOTHING to do with healthcare as FEWER peopel were insured a year after implementation than before it went into affect. It was all written by insurance companies to benefit insurance companies. Having used insurance recently, and seen the corruption in it, I can ASSURE you the ONLY peopel benefiting from it ARE the insureance companies. I got charged over $1200 in BS added on charges for a surgery in 12/13, but becuase of ocare, blue cross told me to pound sand and pay it, they wouldn't dispute it or even consider it. I filed a complaint with the providers, and they basically told me pay it because they knew the insurance companies were on there side. The thing many overlook about it is it GUARANTEES the insurance companies that sell policies under the exchange to NOT lose money on ANY policy it writes. So if they mess up, guess who just payed, the taxpayers. I had MAJOR hip surgery done in 2002, and it cost less than $22K for EVERYTHING! I had hip surgery done again in 2013(not as major as 2002, but still quite a bit) that occupied the OR for maybe half the amount of time, and it cost right at $100K for the hospital alone(the surgeon doing the work got maybe $1200 for his part). After having to use insurance, you get REALLY PISSED off about all this, espescially when you see what you're paying, and how little you get in return.

A man brother the insurance companies are getting what they can out of it while they can. The Government knew that they would never get a true socialist health plan pass by the people. Obama Care has nothing to do with getting anyone healthcare it is a power grab it is meant to beak the privet system and build government reliance, why do you think they could care less about fixing the problems with it??? Obama Care is working just as planned...
 

THEFERMANATOR

LEGALLY INSANE
Feb 16, 2009
3,890
43
48
43
ZEPHYRHILLS, FL
Yep, it is working just as planned. There end goal is single payer true socialized healthcare, the only way they can get it is to make it so hard and costly, that everybody has to turn to them for coverage. The insurance companies are being supplemented by the gubment, so of course they're along for the ride. And it is beyond ridiculous what doctors have to pay for insurance. Unless they're part of a big corporation, or have there own large private practice, forget about trying to stay as a doctor. Its all going as planned though. Funny how they laughed at Glen Beck and the rest when they said this would happen, now here it is happening.
 

TheBac

Why do I keep doing this?
Staff member
Apr 19, 2008
15,581
1,836
113
Mid Michigan
They post about control was 100% spot on. If "healthcare for everyone" had been the real end goal, then all they needed to do was to expand medicare. Obamacare is a joke.
 

NC-smokinlmm

<<<Future tuna killer
May 29, 2011
5,189
354
83
At Da Beach
They post about control was 100% spot on. If "healthcare for everyone" had been the real end goal, then all they needed to do was to expand medicare. Obamacare is a joke.

Medicine was the last great American business that the government had not tapped into yet. It really all started when insurance companies asked for federal regulation of pricing for proceedures in the 80's. Once you let them in its over...
 

c20elephant

C20ELEPHANT
Apr 25, 2013
2,065
0
0
Phoenix, Arizona
Yep, it is working just as planned. There end goal is single payer true socialized healthcare, the only way they can get it is to make it so hard and costly, that everybody has to turn to them for coverage. The insurance companies are being supplemented by the gubment, so of course they're along for the ride. And it is beyond ridiculous what doctors have to pay for insurance. Unless they're part of a big corporation, or have there own large private practice, forget about trying to stay as a doctor. Its all going as planned though. Funny how they laughed at Glen Beck and the rest when they said this would happen, now here it is happening.

Here in the Phoenix metropolitan area (Phoenix, Tempe, Mesa, Glendale, Peoria, Cave Creek, Queen Creek, Anthem) all the local private hospitals have been bought out by large corporates in the last 5 years. The only one left is the MayoClinic and they just finished a $180 million Proton therapy expansion and doubt they will ever be bought out.

http://www.azcentral.com/story/news...-clinic-cancer-fighting-center-open/28725479/
 

coker6303

Keep Calm and Chive On!!
Aug 6, 2009
2,484
0
36
40
Houston, TX
I have BCBS, and I was paying $1440 a month for the last year having a family plan through work. I just dropped that to myself only at $100 a month and signed my wife and boy up for $480 a month on an individual plan. Huge savings for me!

Just reviewing plans, 2015 to 2016 price increase is insane by itself and they dropped PPO for individuals. I read a yearly cost analysis somewhere and the cost of healthcare is increasing exponentially!! Unbelievable.
 

THEFERMANATOR

LEGALLY INSANE
Feb 16, 2009
3,890
43
48
43
ZEPHYRHILLS, FL
I have BCBS, and I was paying $1440 a month for the last year having a family plan through work. I just dropped that to myself only at $100 a month and signed my wife and boy up for $480 a month on an individual plan. Huge savings for me!

Just reviewing plans, 2015 to 2016 price increase is insane by itself and they dropped PPO for individuals. I read a yearly cost analysis somewhere and the cost of healthcare is increasing exponentially!! Unbelievable.
They touted that it would control costs, WRONG! It was never about controlling costs, if it was it would have included reforms involving lawsuits, limits on them, and when you can sue. Somebody can undergo a procedure that they know going into it is experimental with NO expectations of success, and if it fails they will sue. Theres lawyers out there that will sue even for successfull procedures because they say it took to long, or the procedure was to painfull. Meanwhile people like me get double billed and told tough SH!T, pay the bill or else. It's ALL a screwed up situation. Not looking forward to next year. I take right at $1000 in meds a month, and the plan's for next year don't cover my 2 most expensive meds I'm on right now. The alternative meds they tell me to take are meds my doctor refuses to write because of my medical history, and he refuses to write them in general. So now I have to find doctors willing to write teh scripts my insurance company will pay for.
 

mike diesel

I'm alright.
Sep 6, 2012
4,005
0
36
SLC, Utah
I feel pretty good about my situation. I pay $160 a month for my wife and me. Luckily I have perfect vision but she could probably qualify for legally blind without her contacts in. Vision insurance doesn't cover much. Guess you can't expect much from a $6 a month vision plan.

I never go to the doctor. I've literally been maybe 5 times in my 26 years on this earth. I honestly wouldn't even know where to go if i needed to.

My insurance rates are negotiated through my union. My union sucks for basically anything else but they do an alright job at keeping rates low. It helps when your work gets hundreds of millions of dollars in federal funding every year also:D
 
Mar 28, 2015
267
0
0
Blue Springs, MO
Yeah insurance sucks but I know if I opted out of it I would get in a car wreck on the way home that very day. I will be moving to a high deductible plan next year since I don't frequent the doctor.
 

56taskforce

Well-known member
Mar 30, 2014
1,081
56
48
In this state no injuries due to automotive accidents are covered by health care insurance at all none is 100% by your auto insurance... if you live in Washington state be sure your auto insurance will cover all your injuries due to an auto accident your health care insurance won't cover anything...