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Health Insurance

Posted by on Mar. 6, 2014 at 10:52 AM
  • 34 Replies

complaint --

Health insurance... 'nuff said right? rofl

by on Mar. 6, 2014 at 10:52 AM
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Replies (1-10):
krisnkids
by Gold Member on Mar. 6, 2014 at 11:16 AM
1 mom liked this

I have had my challenges with it. When my son injured his eye I took him to his primary care doctor, his doc called in a specialist to her office, the specialist sent him to the er for a ct scan and then scheduled surgery for the next day.  No one filled out the referral paperwork so my ex's insurance tried to tell me that it was a point of service care so I had to pay 10%, 2500 dollars. I said, no I went to my primary care and did everything right, just because they screwed up the paperwork does not mean I have to pay 2500. In the end I won, no thanks to my ex.

bluedeaj
by on Mar. 6, 2014 at 11:30 AM

yuck.  It looks like I'm going to be switching my daughter to tricare standard because the closest pcm for prime is 45min away.  So I'll have to pay a 20% copay for all visits after my yearly deductible is met.  I'm annoyed that I feel like I'm being forced to switch from prime to standard but... I saw the catastrophic cap is $1,000/yr.  Wouldn't that have saved you from the 2500 or am I misunderstandin what catastrophic cap means?

SwitchbladeMama
by Bronze Member on Mar. 6, 2014 at 1:17 PM
1 mom liked this

I've been considering going cash-only. I hear soooo many good things about it.

amonkeymom
by Gold Member on Mar. 6, 2014 at 3:11 PM

I hear you!  I have been dealing with my ex's prescription plan and trying to get meds for my daughter.

Callaly
by Jessica on Mar. 6, 2014 at 3:15 PM
2 moms liked this

 I do not know how you guys deal with Insurance, I am in canada so we have a really good health care system, dr visits and what not are free with or without insurance, its just medication we pay or dentist and eye dr.

I have an insurance with my work and pay about 40$ a month, its basic tho and I find that that is alot of money! I cannot image what you guys pay!!

mm_mom515
by on Mar. 6, 2014 at 3:45 PM
1 mom liked this
Lucky :). I wish we had that kind of healthcare here. The only thing close to that we have here is Medicaid and that you have to be low income to qualify.

Quoting Callaly:

 I do not know how you guys deal with Insurance, I am in canada so we have a really good health care system, dr visits and what not are free with or without insurance, its just medication we pay or dentist and eye dr.


I have an insurance with my work and pay about 40$ a month, its basic tho and I find that that is alot of money! I cannot image what you guys pay!!

virginiamama71
by Carrie on Mar. 6, 2014 at 3:56 PM

 I pay $229.10 month for my son and I.

Quoting Callaly:

 I do not know how you guys deal with Insurance, I am in canada so we have a really good health care system, dr visits and what not are free with or without insurance, its just medication we pay or dentist and eye dr.

I have an insurance with my work and pay about 40$ a month, its basic tho and I find that that is alot of money! I cannot image what you guys pay!!

 

Callaly
by Jessica on Mar. 6, 2014 at 4:06 PM
2 moms liked this

 Everyone has the same kind of health care no matter your income here, I think that the US should get on board!

Quoting mm_mom515: Lucky :). I wish we had that kind of healthcare here. The only thing close to that we have here is Medicaid and that you have to be low income to qualify.
Quoting Callaly:

 I do not know how you guys deal with Insurance, I am in canada so we have a really good health care system, dr visits and what not are free with or without insurance, its just medication we pay or dentist and eye dr.

I have an insurance with my work and pay about 40$ a month, its basic tho and I find that that is alot of money! I cannot image what you guys pay!!

 

Callaly
by Jessica on Mar. 6, 2014 at 4:08 PM

 I would FAINT every month I got a bill that high for Insurance!! I freaked out when they started taking the 40$ off my pay, at my previous employer I was paying 15$ a month 100% covered, so I didn't pay for anything, even massages were free up to 1000$ a year!

How do people making 15$ an hour handle this? 15$ an hour is not a horrible pay, but 229$ taken off every month is heart breaking.

Quoting virginiamama71:

 I pay $229.10 month for my son and I.

Quoting Callaly:

 I do not know how you guys deal with Insurance, I am in canada so we have a really good health care system, dr visits and what not are free with or without insurance, its just medication we pay or dentist and eye dr.

I have an insurance with my work and pay about 40$ a month, its basic tho and I find that that is alot of money! I cannot image what you guys pay!!

 

 

woodstock525
by on Mar. 6, 2014 at 9:33 PM


Quoting bluedeaj:

yuck.  It looks like I'm going to be switching my daughter to tricare standard because the closest pcm for prime is 45min away.  So I'll have to pay a 20% copay for all visits after my yearly deductible is met.  I'm annoyed that I feel like I'm being forced to switch from prime to standard but... I saw the catastrophic cap is $1,000/yr.  Wouldn't that have saved you from the 2500 or am I misunderstandin what catastrophic cap means?

Up until October 1 of last year, my daughter (who lives more than 100 miles from a MTF) had to be switched to Tricare Standard because our wonderful elected officials in DC cut benefits to retirees and if you don't live in the DC area (where you can be part of US Family Health Plan) or within 100 miles of a MTF, then even if you are paying for the premium, you and your dependents no longer quaify for Tricare Prime.  I notice that the folks in the House and Senate made no cuts to their medical coverage.

My daughter went to a doctor for a simple infection after Oct 1 and the bill for an office call was $289!  We had to pay that out of pocket as it went toward the deductible for the year.  I have MS and go to specialists.  I can't afford to move out of the US Family Health Plan area because iwth my specialists we would go broke meeting the deductible and paying 20% of the costs.  Good luck with Tricare Standard.  It sucks!

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