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  • Health Insurance?

    What company do you use. BCBSNC is primary here.

    J.C.

  • #2
    Re: Health Insurance?

    HealthNet in CT, oxford has a bad reputation.

    Comment


    • #3
      Re: Health Insurance?

      kaiser. they've been good to me. i guess it doesn't hurt that i do work for 5 of their doctors

      nothing like in and out of the er in under an hour

      rick.
      phoebe it is

      Comment


      • #4
        Re: Health Insurance?

        Self insured, have some fly by night administrater out of Louisianna.

        Comment


        • #5
          Re: Health Insurance?

          Kaiser has been great.

          Mark
          "Somewhere a Village is Missing Twelve Idiots!" - Casey Anthony

          I never lost a cent on the jobs I didn't get!

          Comment


          • #6
            Re: Health Insurance?

            uninsured... The place we had raised the rates so high we had to cancel, and now no insurance company will look twice at me.
            Ron Hasil Lic #058-160417
            A-Archer Sewer & Plumbing specializing in:
            Tankless Water Heaters | Drain and Sewer Cleaning
            Sump and Ejector Pumps | Backflow RPZ Testing

            Comment


            • #7
              Re: Health Insurance?

              Blue Cross/Blue Sheild ...rates are through the roof but what you do?

              I also have the AFLAC Platinum Plan as a supplement.

              Comment


              • #8
                Re: Health Insurance?

                Originally posted by PLUMBER RICK View Post
                kaiser. they've been good to me. i guess it doesn't hurt that i do work for 5 of their doctors

                nothing like in and out of the er in under an hour

                rick.
                This explains some of the different feelings I guess in regards to the way people feel about the way the current healthcare/insurance system is operated.

                I think the whole country would feel much more positive towards the way things are ran now if they were treated this way.

                I spent 13 hours in the waiting area of Duke Medical Center ER with the person I was with writhing in pain as well as a few others there in similar condition. This was sitting in the waiting area chairs, NOT in any treatment area at all. No, it wasn't Saturday night, no horrific accidents, gangwars etc. And it wasn't full of illegals either.

                The person I was with was/is fully insured. You're very lucky Rick that you are taken care of so efficiently.

                J.C.

                Comment


                • #9
                  Re: Health Insurance?

                  I have Tricare through the military, provided by Health Net Federal Services as the contractor. So far so good. They have been decent with the minor injuries under the catastrophic clause, which is usually $1,000 set aside for the year. I have yet to have anything major happen to me to really test it out, so I really cannot judge.

                  But in the event of subpar service, for $50 a month, I'm not going to complain.

                  Comment


                  • #10
                    Re: Health Insurance?

                    Kaiser Permanente and love it.
                    sigpic

                    Robert

                    Comment


                    • #11
                      Re: Health Insurance?

                      Tailgunner touched on something important regarding catastrophic coverage.
                      Most of us have had some claim disputes because tests and procedures vary in cost and necessity depending on insurance and provider(doctor). My insurance paid for just about all the costs associated with my wife's Breast Cancer event. Now they refuse to approve and pay for doctor recommended M.R.I. testing as a preventitive measure. Seems a little wasteful to for go a moderately costly test and risk paying for very costly surgical procedures and associated procedures and medicines.

                      In my opinion the true test of a insurance company's worth is how responsive they are to your varying health needs. A woman about to have a child needs good prenatal care, an older woman not yet medicare/medicaid age may need good orthopedic coverage. So to say you are happy or pleased with your coverage if it has not been tested, does not say enough.

                      I hope most of you will never fully know the extent to which your insurance will provide in time of need. Frank

                      Comment


                      • #12
                        Re: Health Insurance?

                        joey has blue cross. i have kaiser.

                        joey was in the hospital having phoebe from monday 4pm- thursday 4pm.

                        not including her ob/gyn dr. bill the hospital bill was $42,000+

                        the anesthesiologist was $2,040.

                        phoebe's diaper bill for 18 days is pushing $100.00

                        so far i'm out $100.00 to date

                        thankfully i'm not buying food for phoebe yet

                        joey likes her plan, i like my plan. but she will admit, i rarely get sick and hospital er visits for me is del taco, er and home in under 1.5 hours

                        for her it's hours waiting to be called and hours waiting to get a room.

                        rick.
                        phoebe it is

                        Comment


                        • #13
                          Re: Health Insurance?

                          I have Blue Cross/Blue Shield of Alabama through Cobra for the next 15 months paid out of pocket. After that, I have to find something else, because BCBSoA doesn't write individual policies on Ohio. At that point, I'll be looking for family insurance for the next 9 years until Medicare and my supplemental insurance kicks in.

                          Who knows what health care will do over the next 15 months? But if it stays similar to what it is now, I'll be weighing low premiums and high deductibles vs high premiums and low or no deductibles. Normally, our medical expenses have been very low, and I could probably get by with something that's more toward catastrophic coverage and pay less per year overall. But as we approach 65, the normal expenses may ride, leaning more toward the middle. Touch choices.

                          One thing I've been doing; as I deal with various doctors, specialists, etc. I ask them not who has the best coverage, but I ask the person that does the billing who they have the least trouble with, have to resubmit least, have the least rejected charges. I figure how easy it is to make claims is sometimes almost as important as the need for the insurance in the first place. So far, out of three offices, they have been unanimous that Kaiser Permanente is the best to work with.

                          Using Esurance.com, I've compared similar policies with KP and BCBS, and KP is probably 10-15% more expensive. Gonna have to weigh if that's real value or just extra premiums.
                          Steve
                          www.MorrisGarage.com

                          Comment


                          • #14
                            Re: Health Insurance?

                            I have Anthem Blue Cross. Company pays for mine, I pay almost 500 a month for the wife and kid.
                            Wife had a laproscopy a couple of months ago that i'm out $1000 for. I'm not very happy with my coverage.

                            Visits are $20, prescriptions range from $10 to completely not covered.
                            One of the wifes doctors prescribed her a shot that was going to cost me 1400 out of pocket, and she needed it twice. "got a second opinion"

                            Oh, and if any of us need to go to the ER, it's $500 out of pocket.
                            No, it's not rocket science, it's plumbing and unlike rocket science it requires a license.

                            Comment


                            • #15
                              Re: Health Insurance?

                              Originally posted by smorris View Post
                              I have Blue Cross/Blue Shield of Alabama through Cobra for the next 15 months paid out of pocket. After that, I have to find something else, because BCBSoA doesn't write individual policies on Ohio. At that point, I'll be looking for family insurance for the next 9 years until Medicare and my supplemental insurance kicks in.

                              Who knows what health care will do over the next 15 months? But if it stays similar to what it is now, I'll be weighing low premiums and high deductibles vs high premiums and low or no deductibles. Normally, our medical expenses have been very low, and I could probably get by with something that's more toward catastrophic coverage and pay less per year overall. But as we approach 65, the normal expenses may ride, leaning more toward the middle. Touch choices.

                              One thing I've been doing; as I deal with various doctors, specialists, etc. I ask them not who has the best coverage, but I ask the person that does the billing who they have the least trouble with, have to resubmit least, have the least rejected charges. I figure how easy it is to make claims is sometimes almost as important as the need for the insurance in the first place. So far, out of three offices, they have been unanimous that Kaiser Permanente is the best to work with.

                              Using Esurance.com, I've compared similar policies with KP and BCBS, and KP is probably 10-15% more expensive. Gonna have to weigh if that's real value or just extra premiums.
                              Always thought COBRA was not a good value and a person is better off to seek individual coverage as quickly as possible. No?

                              J.C.

                              Comment

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