Author Topic: Health Insurance Advice (Read 10658 times)

Ladislaus · « **Reply #10 on:** August 04, 2023, 07:11:48 AM »

Yeah, it's a huge risk to go without insurance, since, as others have pointed out, even a relatively minor procedure costs thousands, or 10s of thousands these days. You can think you're in great health, but accidents happen and people are surprised every day with unexpected health conditions.

I think you also get some penalties from the IRS if you don't have health insurance.

B from A · « **Reply #11 on:** August 04, 2023, 07:18:58 AM »

Quote from: HeavyHanded on August 04, 2023, 05:48:03 AM

Another option is a Christian healthcare sharing network. They are mostly Protestant, and technically not insurance. They can be a bit of a pain to use, as you have to do a lot of the footwork when it comes to negotiating with doctors and hospitals. You are technically self pay but you need all the same paper work the insurance companies need. We used Samaritan for a few years, but stopped when they started increasing the costs during Covid. For your family size it would be about $600 a month, $400 “co-pay” and limit of 250k per “need”. They also do not cover pre existing conditions. Overall it’s a good program, but costs are always going up, and I didn’t want to pay for the health issues of thousands of people that were stupid enough to get the jab.

I know several people who use this type of option, and are very happy with it.

Ladislaus · « **Reply #12 on:** August 04, 2023, 07:22:06 AM »

You can also check here ...
https://www.healthcare.gov/see-plans/#/

I found some plans here for a family of 6 for $25 per month (after tax credits) that have a high deductible ($18,000), but that would at least protect you from catastrophic situations where you're on the hook for hundreds of thousands. There were some in the $400 per month range with $1500-$1800 deductibles. I'd at least consider the $25 plan to prevent becoming an indentured servant for the next 50 years in case you incur a huge expense.

josefamenendez · « **Reply #13 on:** August 04, 2023, 08:53:00 AM »

Not something to count on, but hospitals can and do reduce payments SIGNIFICANTLY, and many times just write them off since they get an enormous amount of government money to do just that, especially after COVID. I was uninsured for 2 years and every procedure that I had at the hospital was reduced by at least forty% upon request and some were even completely forgiven without me even asking. The upcharge on insured patients is well over 100-200% mostly to cover for all the losses. Now with COViD money the losses are much less and frequently forgiven. I'm not saying don't get insured but if for some reason you are uninsured and in an emergent situation they usually will negotiate. With elective procedures they will negotiate up front for a substantial reduced cost.

Vincancino · « **Reply #14 on:** August 04, 2023, 09:26:07 AM »

Thank you all for sharing your thoughts and advice. I'm so grateful for this website. God bless you.

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Author Topic: Health Insurance Advice (Read 10658 times)

Ladislaus

Re: Health Insurance Advice

B from A

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Ladislaus

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josefamenendez

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Vincancino

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