Jeff Alessi?

9/16/2017 4:55am
I pay $1800 per month for me my wife and 2 kids. It was higher two years ago when my son had to have his knee done. I paid over 2k a month in premium and I paid over 6k in co pay between all the doctors, surgeons, and rehab visits... Problem is we are a very small business with only a couple of people on the policy. The more people on a company policy the more the average premium comes down....

9/16/2017 5:37am
davis224 wrote:
I'm paying less than I ever have for health insurance, $18 a week out of my paycheck. I hear horror stories about people paying ridiculous amounts...
I'm paying less than I ever have for health insurance, $18 a week out of my paycheck. I hear horror stories about people paying ridiculous amounts and it blows my mind, how does it vary so widely company to company? Are you still paying anything in medical bills if you're paying that much for insurance?
The crazy high rates are for people that can't get it through work, not sure if you knew that or not
419250f
Posts
142
Joined
12/8/2015
Location
NY US
9/16/2017 5:52am
davis224 wrote:
I'm paying less than I ever have for health insurance, $18 a week out of my paycheck. I hear horror stories about people paying ridiculous amounts...
I'm paying less than I ever have for health insurance, $18 a week out of my paycheck. I hear horror stories about people paying ridiculous amounts and it blows my mind, how does it vary so widely company to company? Are you still paying anything in medical bills if you're paying that much for insurance?
The crazy high rates are for people that can't get it through work, not sure if you knew that or not
Not true. Our employer tells us it's worse for them every year and so it's worse for us every year.
mxb2
Posts
22437
Joined
6/15/2010
Location
Bowie, MD US
9/16/2017 6:42am
Moral of the story,don't ride if you don't have insurance. If you have a 9k toy you can afford insurance. Don't expect others to bail you out of your bills.

The Shop

APLMAN99
Posts
12225
Joined
4/1/2008
Location
Tualatin, OR US
Fantasy
9/16/2017 7:04am
agn5009 wrote:
I just can't believe some people pay this much for insurance. I just don't get it. I pay $36 per pay check, so $72 per month...
I just can't believe some people pay this much for insurance. I just don't get it. I pay $36 per pay check, so $72 per month for my family plan. My plan is $3,000 high deductible. My employer gives me a $3,000 health savings account visa card to use toward that deductible. Once the deductible is met essentially everything in network is $0.

I have yet to pay a penny for anything medical related. That includes my wife's child birth, her tonsilectamy, ear surgery etc. I guess I don't realize how good I have it. I just assumed everyone who had a full time job was provided with decent insurance. I'm fully aware that most isn't as good as mine, but I thought for the most part everyone (with a job) had it pretty decent.
Government funded, union negotiated benefits are pretty generous...........
chuckie108
Posts
810
Joined
2/8/2012
Location
Mira Loma, CA US
9/16/2017 7:35am
agn5009 wrote:
I just can't believe some people pay this much for insurance. I just don't get it. I pay $36 per pay check, so $72 per month...
I just can't believe some people pay this much for insurance. I just don't get it. I pay $36 per pay check, so $72 per month for my family plan. My plan is $3,000 high deductible. My employer gives me a $3,000 health savings account visa card to use toward that deductible. Once the deductible is met essentially everything in network is $0.

I have yet to pay a penny for anything medical related. That includes my wife's child birth, her tonsilectamy, ear surgery etc. I guess I don't realize how good I have it. I just assumed everyone who had a full time job was provided with decent insurance. I'm fully aware that most isn't as good as mine, but I thought for the most part everyone (with a job) had it pretty decent.
APLMAN99 wrote:
Government funded, union negotiated benefits are pretty generous...........
If you're curious about the disparity, just have anyone with decent coverage post up who they work for, and it will become obvious. They are either union, a public employee, or a mega corporation. The rest of us are hosed.

In 2009, I badly broke my wrist and needed surgery. My premium was 250 per month for my family and the whole ordeal cost me 2500. Since the ACA, my premium has gone up to $700, and my deductible is $7500 per person per calendar year(not 12mo rolling like it used to be). Basically the only plan I can afford.

At the start 2014, I had ZERO debt, other than my mortgage. I even owned my vehicles outright. In 2014 my son broke his tib playing at recess at school, requiring surgery, In 2016 I Broke my spinous process at C6&7 racing, which obviously maxed my deductible(stayed 1 night in the hospital). This year my son had a crash and broke several bones requiring an ambulance ride and a 5 hour stay at the trauma unit. I figure out the bill from the trauma unit, and it worked out to $94 per minute($27,000!). Net result: In 4 years I have paid $33,600 in premiums, and currently have $18,000 in medical bill debt, that I get 4-5 calls per day on. This is the reward you get in this country for owning a small business and trying provide for your family and those you employee.

Maybe I should start a gofundme? ;-) Oh that's right, I have too much pride to do that.
jeffro503
Posts
27629
Joined
7/22/2007
Location
St Helens, OR US
9/16/2017 8:00am
PTshox wrote:
Try going for a motorcycle ride, stopping to help a fellow rider that waved me down, getting run over by a state park ranger, having the...
Try going for a motorcycle ride, stopping to help a fellow rider that waved me down, getting run over by a state park ranger, having the cops falsify a police report, getting stuck with a $45,000 surgery bill after having surgery on both legs at the same time and being stuck in a wheel chair for 3-4 weeks. Then crutches.

That will piss you off about the "system".
Jesus PT.....did that happen to you? If so , that is extremely screwed up!
ob
Posts
1751
Joined
3/14/2010
Location
Cardiff , CA US
9/16/2017 8:21am
$700 + for bulshit health insurance a month, fuck that! The systems the government is using these days to screw normal people is just messed up.
davis224
Posts
7363
Joined
8/15/2006
Location
Cornland, IL US
Fantasy
9/16/2017 8:27am
davis224 wrote:
I'm paying less than I ever have for health insurance, $18 a week out of my paycheck. I hear horror stories about people paying ridiculous amounts...
I'm paying less than I ever have for health insurance, $18 a week out of my paycheck. I hear horror stories about people paying ridiculous amounts and it blows my mind, how does it vary so widely company to company? Are you still paying anything in medical bills if you're paying that much for insurance?
The crazy high rates are for people that can't get it through work, not sure if you knew that or not
No, i know some people paying ridiculous amounts through their employer. The people paying ridiculous amounts through private companies, have they looked into using one of the ACA plans? I know they probably aren't the greatest, but I'm fairly certain theres some plans for around $180ish a month. I saw one mother on facebook complaining about how hard it was to sign her family up for it, sounded like a bureaucratic nightmare that shouldn't have been hard to solve the issues she was having, so I feel the frustration there.

But I also know someone who it helped immensely, he owns a body shop, his wife was a nurse. She got laid off, they signed up since they couldn't afford COBRA coverage, and a few months later she got diagnosed with cancer, they said otherwise, they wouldn't have been able to afford health insurance.
davis224
Posts
7363
Joined
8/15/2006
Location
Cornland, IL US
Fantasy
9/16/2017 8:29am Edited Date/Time 9/16/2017 8:32am
Oh, and for the sake of comparison, I work for a medium sized non union industrial construction company.
Lastander
Posts
1232
Joined
10/9/2016
Location
SE
9/16/2017 8:50am
I broke my navicular in may this year, and i ended up getting 1500$ from my insurance company for it.
Free healthcare motherfuckers
JQ
Posts
128
Joined
2/3/2013
Location
FI
9/16/2017 9:19am
Universal healthcare, and regulated insurance companies that cost the same for a year that Americans pay in a month, are of course great. But thanks to the brainwashing effect of the US media, a lot of people argue passionately against their own interests without knowing it. Fascinating example of control by creating the illusion of freedom. Love that stuff. So probably pointless to try and post about the benefits of universal healthcare here. Gofundme it is!
NorCal 50+
Posts
1455
Joined
5/31/2017
Location
Grass Valley, CA US
9/16/2017 10:05am
Everybody has a horror story about the US medical system. When my Dad was near death, he went to the ER. They made sure and boot him into a facility about 24 hours before his secondary insurance would have kicked in. Because he left one night early, he wasn't covered for long-term care and we had to pay $45K CASH. Money we never saw again.
This is a man who had one job for the federal government and paid insurance on the same plan for more than 50 years. I consider us lucky compared to some. A broke population is too busy working to survive to challenge the lawmaking/corporate elite.
Panic_Rev
Posts
686
Joined
7/13/2012
Location
Fayetteville, AR US
9/16/2017 10:13am
Not sure my wrist will ever heal right but all my injuries have healed, I had 2 seperated shoulders and a badly broken wrist. At the...
Not sure my wrist will ever heal right but all my injuries have healed, I had 2 seperated shoulders and a badly broken wrist. At the time I had no health insurance and just had a random crash that was bad. I wasn't out on a supercross track or riding motos, I was just at a friend's birthday party n they asked me if I wanted to ride so I got geared up for a couple laps, unfortunately the bike got me hurt in less then 2 corners. Big eye opener, as a proffessional you should know riding someone's bike can get uou hurt and that's exactly what happened. It also left me 10 grand in debt. At the time I didn't know how I was going to even get around, pay bills... Really bad time if my life and I sincerely thank anyone who helped me. I for one know how it goes when you ask for money online and it wasn't easy, fortunately there are good people and it paid for me to heal up n get back east and do some really positive classes and get myself back up, this also gave me the chance to keep my bike and race in 2018. So it did work out. Unfortunately my wrist seems to be the only thing I'm worried about, probably going to need a good wrist brace when I get back to racing.
There's a guy on here that post from time to time advertising 30% off.
ob
Posts
1751
Joined
3/14/2010
Location
Cardiff , CA US
9/16/2017 11:09am
JQ wrote:
Universal healthcare, and regulated insurance companies that cost the same for a year that Americans pay in a month, are of course great. But thanks to...
Universal healthcare, and regulated insurance companies that cost the same for a year that Americans pay in a month, are of course great. But thanks to the brainwashing effect of the US media, a lot of people argue passionately against their own interests without knowing it. Fascinating example of control by creating the illusion of freedom. Love that stuff. So probably pointless to try and post about the benefits of universal healthcare here. Gofundme it is!
This is it exactly. Merica!!!!!!! So fucked right now
WhipMeister
Posts
5238
Joined
8/15/2006
Location
Big D, TX US
9/16/2017 12:30pm
rmoto003 wrote:
What I learned from my experience after having a femur surgery is that all the prices for hospital costs are completely made up The first bill...
What I learned from my experience after having a femur surgery is that all the prices for hospital costs are completely made up

The first bill I got was when the hospital processed it as if I didnt have insurance, so they sent me the bill directly. Around $3500

Then after I called the hospital and gave them my insurance info, they said ok thanks, tear up that bill and we will send you a new one.

New bill comes in, now for ~ $35,000, but I only had to pay $100.

How does this ~10x difference exist? The bill had some rediculous charges on it- $7000 for 12 hours worth of "observation".

To me that says the procedure only "actually" cost the hospital $3500, but they bill the insurance company $35,000 for the procedure, then the insurance company negotiates and settles on an amount closer to the $3500

Its a weird system, a bunch of smoke and mirrors
....and the hospital takes a "write off" on the "discharged balance". Everybody wins except those paying premiums....
This^^^^^^^^^^^^^^

My BCBS 'bill total' was $600,000. (Spinal fusion, multiple rib fractures, pneumothorax, lacerated spleen).

I paid out about 1%

The 'true total' was probably 1/10th that.

You want to fix healthcare? Step 1 is to force truth-in-billing. As it is, both the hospital and the insurance company benefit off of our backs.

newmann
Posts
24438
Joined
4/1/2008
Location
US
9/16/2017 2:30pm
PTshox wrote:
If you own your own business and make any money you take it in the ass in the USA. No lube is provided. I paid $168...
If you own your own business and make any money you take it in the ass in the USA. No lube is provided. I paid $168 per month with a $1200 deductible before obama care. After OBC it shot up to $550 per month and a $5000 out of pocket deductible. Now the deductible is $6500 out of pocket. $642 per month. For just me... no kids, wife or dog. Thinking about getting a dog through.

Further the good surgeon's are most often out of network at their preferred surgery center (which they own part of). So bend over baby and act like it's pleasurable.
500guy wrote:
Yep I pay $2300 a quarter and have to pay the first $7500 out of pocket. So if I need medical it cost me $16,700 a...
Yep I pay $2300 a quarter and have to pay the first $7500 out of pocket.

So if I need medical it cost me $16,700 a year.
Yep , my BCBS Bronze is pure shit. I'll be in the $25,000.00 range before insurance kicks in anything.
Park Boys
Posts
3811
Joined
3/23/2012
Location
MH US
9/16/2017 4:16pm
Lastander wrote:
I broke my navicular in may this year, and i ended up getting 1500$ from my insurance company for it.
Free healthcare motherfuckers
Just curious because there is pros and cons to everything but when it's all said in done do you pay over 50% in taxes? Plus if your successful don't they base things like speeding tickets based on income? Might be thinking of a different country though.
Squitlege
Posts
113
Joined
2/23/2016
Location
Jacksonville Beach, FL US
9/16/2017 4:37pm
Good to hear some of this stuff. Im a 32 y/o healthy self employed dude, Im paying $295 per month for what is "supposed" to be the best provider in Florida. Have some herniations and fractures in the old back down low... started acting up this year, so I went in... all I have heard from the doctors offices and MRI clinic is NO! Nothing is covered. Been paying outta my ass. Pain prescription (30 pills) was $250... left it at the counter. Oh yea, and they denied my claim from 2012 so when I walked in the dr's office I was already $750 in the hole. WTF is going on here?! But the hadji's working the phones at my ins co are super helpful... Woohoo
mingham97
Posts
854
Joined
7/16/2013
Location
AU
9/16/2017 4:45pm
You guys are getting fucked up in the US. In aus, basically all surgeries are free, GP visits are free, subsidies on precriptions etc. Yeah there's a bit of a wait to get a surgery, about 3-18 months. But beggers can't be choosers. You can choose to go private health and go into the private system, which skips the waiting list by about half
FolkLoar
Posts
350
Joined
2/18/2015
Location
Hickory, NC US
9/16/2017 4:57pm
JQ wrote:
Universal healthcare, and regulated insurance companies that cost the same for a year that Americans pay in a month, are of course great. But thanks to...
Universal healthcare, and regulated insurance companies that cost the same for a year that Americans pay in a month, are of course great. But thanks to the brainwashing effect of the US media, a lot of people argue passionately against their own interests without knowing it. Fascinating example of control by creating the illusion of freedom. Love that stuff. So probably pointless to try and post about the benefits of universal healthcare here. Gofundme it is!
Sadly you are correct. Frustrating part is we are talking about rational, intelligent people here. When you throw politics into the mix, either side could make their people think it's beneficial to walk off of a cliff.
9/16/2017 5:33pm
so you choose not to get insurance. then find the time to ask for money. then say you kept your bikes and get to race in 18'..........I must be crazy. I'm doing it all wrong. I actually miss riding and other things to work more to pay for insurance so I can ride .
kkawboy14
Posts
11486
Joined
6/5/2015
Location
TX US
9/16/2017 5:48pm
so you choose not to get insurance. then find the time to ask for money. then say you kept your bikes and get to race in...
so you choose not to get insurance. then find the time to ask for money. then say you kept your bikes and get to race in 18'..........I must be crazy. I'm doing it all wrong. I actually miss riding and other things to work more to pay for insurance so I can ride .
Yep....your definitely doing it wrong!
Squitlege
Posts
113
Joined
2/23/2016
Location
Jacksonville Beach, FL US
9/16/2017 6:06pm
so you choose not to get insurance. then find the time to ask for money. then say you kept your bikes and get to race in...
so you choose not to get insurance. then find the time to ask for money. then say you kept your bikes and get to race in 18'..........I must be crazy. I'm doing it all wrong. I actually miss riding and other things to work more to pay for insurance so I can ride .
Exactly this.
Jay Cee
Posts
40
Joined
7/19/2017
Location
AU
9/16/2017 11:04pm
Threads like this make me happy to be Australian, have nothing but good things to say about all my hospital time.

Three separate surgeries over 15 yrs odd, never saw a single bill.

Beaches aren't bad either! Wink
kongols
Posts
24220
Joined
9/22/2009
Location
Riga LV
9/16/2017 11:15pm Edited Date/Time 9/16/2017 11:18pm
Lastander wrote:
I broke my navicular in may this year, and i ended up getting 1500$ from my insurance company for it.
Free healthcare motherfuckers
Park Boys wrote:
Just curious because there is pros and cons to everything but when it's all said in done do you pay over 50% in taxes? Plus if...
Just curious because there is pros and cons to everything but when it's all said in done do you pay over 50% in taxes? Plus if your successful don't they base things like speeding tickets based on income? Might be thinking of a different country though.
We have free healthcare. Around 30% in taxes.
My mom broke her hip and arm not that long ago. Had to do a hip replacement. Two surgeries (arm and hip)2 weeks in a hospital. We paid 114 eur out of pocket.
jemcee
Posts
12651
Joined
8/11/2008
Location
AU
9/17/2017 12:41am
Jay Cee wrote:
Threads like this make me happy to be Australian, have nothing but good things to say about all my hospital time. Three separate surgeries over 15...
Threads like this make me happy to be Australian, have nothing but good things to say about all my hospital time.

Three separate surgeries over 15 yrs odd, never saw a single bill.

Beaches aren't bad either! Wink
haha same!
It's prob not as simple as this but to my limited knowledge I'd rather pay for a poor kids care than a rich kids BMW..
In other words I'd rather pay taxes to a government than pay premiums to a company..
swtwtwtw
Posts
1287
Joined
4/16/2008
Location
Apple Valley, CA US
9/17/2017 2:51am
I just ran up a 100k US Med bill. I ended up plus 3400 thanks to my supplement ins that i pay about 1200 a year for. I got the best Dr in my area and immediate surgery. When i lived as a resident in France and raced there i would always fly to USA for major health care despite the so-called free healthcare.
J Alessi keep enjoying 2 wheels.
9/17/2017 2:57am Edited Date/Time 9/17/2017 2:57am
davis224 wrote:
I'm paying less than I ever have for health insurance, $18 a week out of my paycheck. I hear horror stories about people paying ridiculous amounts...
I'm paying less than I ever have for health insurance, $18 a week out of my paycheck. I hear horror stories about people paying ridiculous amounts and it blows my mind, how does it vary so widely company to company? Are you still paying anything in medical bills if you're paying that much for insurance?
The crazy high rates are for people that can't get it through work, not sure if you knew that or not
419250f wrote:
Not true. Our employer tells us it's worse for them every year and so it's worse for us every year.
Oh dang. I figured most of the crazy high rates were from people who had to buy individual plans. My plans have always been pretty decent through work.
brocster
Posts
4477
Joined
6/9/2009
Location
Aliso Viejo, CA US
9/17/2017 9:10am
so you choose not to get insurance. then find the time to ask for money. then say you kept your bikes and get to race in...
so you choose not to get insurance. then find the time to ask for money. then say you kept your bikes and get to race in 18'..........I must be crazy. I'm doing it all wrong. I actually miss riding and other things to work more to pay for insurance so I can ride .
Squitlege wrote:
Exactly this.
Glad I wasn't the only one that read it like that...

If you can give classes to make money to catch up and keep your bikes to go racing in 18. Couldn't you give classes or sell your bikes to re pay the people that bailed you out before you go racing??? Quite a selfish response if you ask me. Believe me I am a giver but it's typically to those that can't actually help themselves. Can't stand this whole poor me, help me out society we live in when I get my ass out of bed every day to go to work to help "poor me"!

Surely Should have been covered under his fathers policy until 26...

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