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Author Topic: Health Insurance Advice  (Read 10637 times)

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Offline Mark 79

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Re: Health Insurance Advice
« Reply #30 on: August 04, 2023, 10:22:11 PM »
Quote from: MaterDominici on August 04, 2023, 10:07:52 PM
The programs might sound complicated at first, but in my experience, CHM has been easy to work with.
I don't know you very well, but you have a reasonable, intelligent, thoughtful, and moral husband (Assumes facts not in evidence? :laugh1:) and that goes a long way to making your approach successful. Reasonable expectations and reasonable precautions.

Who here imagines that is the norm in the "outside" world? I certainly don't. It is not the norm.
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Offline gladius_veritatis

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Re: Health Insurance Advice
« Reply #31 on: August 04, 2023, 10:23:21 PM »
Quote from: Mark 79 on August 04, 2023, 10:19:17 PM
In short, health care and health costs reflects the general decline in society.

They reflect the influence/dominance of the satanic, rapacious ((tribalists)).
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Offline Mark 79

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Re: Health Insurance Advice
« Reply #32 on: August 04, 2023, 10:25:36 PM »
Quote from: josefamenendez 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.
^^^this

It is best to negotiate the discount in advance of needed care (offer no more than the hospital already accepts from insurance carriers). Don't let the hospital "cost shift" against you. Unfortunately that advantage is usually lost in emergencies.
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Offline Mark 79

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Re: Health Insurance Advice
« Reply #33 on: August 04, 2023, 10:26:17 PM »
Quote from: gladius_veritatis on August 04, 2023, 10:23:21 PM
They reflect the influence/dominance of the satanic, rapacious ((tribalists)).
It pains me to agree with you on anything, but I do agree on this.
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Offline gladius_veritatis

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Re: Health Insurance Advice
« Reply #34 on: August 04, 2023, 10:27:31 PM »
Quote from: Ladislaus on August 04, 2023, 09:42:17 AM
Seem to be somewhat immoral, though, to deliberately go uninsured when you could afford it, since the costs are being passed along to those who are paying for insurance, who are therefore having to pay higher premiums as a result.  

Disagree completely.  It is all a racket and a bunch of nonsense.  The costs are what they are because our Arch-Enemies are rigging the entire show -- nothing more.
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