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Are You Happy With Your Health Insurance?

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crunchgarcia Donating Member (73 posts) Send PM | Profile | Ignore Sun Sep-13-09 08:56 PM
Original message
Are You Happy With Your Health Insurance?
Are You Happy With Your Health Insurance?

Not me.

You know, since I don't actually HAVE any.

So recently I was interested to learn from our illustrious "right" that "the majority of people are very happy with their health insurance".

Really?

Well, we thought we'd just build a quick site with a poll to actually SEE how and what people were doing for health insurance; I don't know, maybe everyone IS happy with their health insurance.

Anyway, please take a moment to visit and participate in our poll:

http://www.areyouhappywithyourhealthinsurance.org
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bluestateguy Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 08:58 PM
Response to Original message
1. I am in no position to answer that
I have not yet made a major claim on my plan.

Sure the benefits look good on paper, but who knows until you have to actually use it.
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bigwillq Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 09:01 PM
Response to Reply #1
4. Same for me.
I really haven't gone to the doctor since we got this new plan at the start of 2009. I got one prescription and paid $15 for it.

Some of my co-workers, including one with cancer, says the plan sucks for major stuff. :(
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graywarrior Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 08:58 PM
Response to Original message
2. I'm in MA and just got health coverage
I have no idea if I like it or not.
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wroberts189 Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Sep-14-09 10:50 PM
Response to Reply #2
23. You will not know until you need it... that is the game they play. nt
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waiting for hope Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 09:00 PM
Response to Original message
3. No - our deductable is $2,500 -
and some expenses are flat out of pocket. When my son was born in 2001, it was $300 out of pocket with insurance, my daughter was born in 2005 - $2,000 out of pocket. It took over a year to pay it off. I can only hope nothing drastic happens to any of us - we would go bankrupt.
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exboyfil Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 09:23 PM
Response to Reply #3
16. My deductible is $4300
but I am thankful to have the insurance which is 85% subsidized by my employer. I max my HSA every year. This is my 3rd year in the plan, and I am using HSA dollars from the first year to pay for my daughter's braces.

Since we are healthy, and my employer chips in $1300/yr into the HSA we have only paid about $1600/yr for the first two years (all premiums). Our expenses were about matched by the employer's contribution. I have not yet seen the bill for my daughter's CATSCAN so I suspect I am going to really hit my HSA this year.

It hurts everytime we go to the doctor though ($90 for an office visit). While the money comes out of the HSA, I sure would like to be able to save it for future medical needs.

I am ready to sign up for a 8%/8% German style health plan. I would lose a little on the deal (especially in those years with low medical expenses), but I want the portability and the social guarantee that goes along with the insurance (if I lose my job I am not expected to come up with $12K/yr until I find another job). I also want piranhas on the government side negotiating with every health care and drug company provider driving them to the lowest dollar figure. We should not pay more for our drugs than any other developed country.
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Lydia Leftcoast Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 09:02 PM
Response to Original message
5. I have to get such a high-deductible plan that I never get to use it
so I am highly dissatisfied.
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stray cat Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 09:03 PM
Response to Original message
6. Yes - I pay nothing for decent coverage - my employer pays
Edited on Sun Sep-13-09 09:06 PM by stray cat
I have a copay of $20 for office visits and prescriptions. $100 for emergency rooms but waved if I am admitted. No deductible for anything. A good choice of doctors and hospitals. I've been to the ER twice under the plan - no problems at all with payments from the insurance company. I didn't even have to show my insurance card at the hospital because it was in their system - no ID check.
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femmocrat Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 09:06 PM
Response to Reply #6
9. You have one of those "cadillac" plans! :-)
Ours isn't that good. We have to pay a monthly premium, but it's still better than many plans I've heard about.
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stray cat Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 09:07 PM
Response to Reply #9
11. Actually it falls well below the levels of the cadillac plans - way below those to be taxed.
Edited on Sun Sep-13-09 09:08 PM by stray cat
no family though - I would have to pay in some for a family plan - but still nothing to complain about. We need good reform -but I have it pretty good.
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femmocrat Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 09:04 PM
Response to Original message
7. I have a very good plan through my employer.
However, if I retire (which I really need to do), I would be without health care until I'm eligible for Medicare.

It's the old rock and a hard place.
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NMDemDist2 Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 09:06 PM
Response to Original message
8. no
yes I'm insured and no I'm not happy with it.
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tularetom Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 09:06 PM
Response to Original message
10. I have Medicare
and so far I'm happy with it. I'm not happy with the fact that tey means tested the part B premums in 2007 and charged us an extra $384 per month base d on our income in the only year in the past ten where we had a higher than normal income (capital gains from selling some property).

Hopefully that will be redjusted in 2010.
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glowing Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 09:09 PM
Response to Original message
12. No, I know its absolute shit. any major need to access the ins. would cause
our family financial ruin.. and it costs more money this year for less coverage.. oh and employer changed providers without asking or caring.
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jwirr Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 09:15 PM
Response to Original message
13. I have both Medicaid and Medicare. Here in MN that means I had to
Edited on Sun Sep-13-09 09:20 PM by jwirr
select a plan from many plans - not including the option of staying on the two government plans. So I am covered by Medica just like my daughters - one on MN-Care and the other from work. We all have good care. However, I originally had Humana for Medicare Part D and after one year they wanted to charge $8.00 more a month out of pocket on a $600 a month social security check, so I left them. I and the daughter on MN-Care also pay copays.

I am afraid of them raising the cost again but otherwise we get good coverage.
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endless october Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 09:22 PM
Response to Original message
14. yes, until COBRA goes up to over $600 a month.
it's in the $240s now. i saved up enough money to afford that.

hopefully i'll find another job before it get prohibitively expensive.
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brewens Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 09:23 PM
Response to Original message
15. Yes. But like everyone else there is no guarantee ....
that I will get to keep it. If there is no real reform the cost to me will definitely go up or my deductible will increase.
Right now it's $35 a month and I have a $500 deductible. I have just about met my deductible and they are reimbursing me $150 for a pair of prescription sunglasses that I bought.
I don't know offhand what my employers cost for my plan is. It's a not for profit blood center and I trust them to make every effort to keep it affordable. I'm not concerned about a public option of some kind causing me to lose my plan. It could be that if the public option is good enough that they would drop our plan and I'd have to go that way.
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SharonAnn Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 09:49 PM
Response to Original message
17. No. Employer based, it went from $11 mo to $337 mo. in 4 years with high deductible now.
$500 deductible, 20% co-pays after that.

My husband is on Medicare, being treated for colon cancer. If it were me, we'd be hurting bad, financially.

And my insurance is through a Fortune 100 company.
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BanzaiBonnie Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Sep-13-09 10:34 PM
Response to Original message
18. I'm not happy with my health insurance because
I'm choosing to get help with my nutrition and hormonal changes and things that will help me avoid heart disease, stroke and cancer.

I choose to be proactive and take responsibility for my health, but very little of this is paid for by my insurance. It does not cost too much, but just enough that it's quite a strain on our budget.

It would be so cost effective for us to get ahead of the diseases and actually PREVENT them. Think of the monetary savings.

Think of the pain and suffering that could be alleviated.
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Quantess Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Sep-14-09 01:38 AM
Response to Original message
19. I have no insurance.
Not exactly thrilled about that.
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Name removed Donating Member (0 posts) Send PM | Profile | Ignore Mon Sep-14-09 06:59 AM
Response to Original message
20. Deleted message
Message removed by moderator. 
[link:www.democraticunderground.com/forums/rules.html|Click
here] to review the message board rules.
 
crunchgarcia Donating Member (73 posts) Send PM | Profile | Ignore Mon Sep-14-09 05:47 PM
Response to Original message
21. Some creative help...
Some folks tried unsuccessfully to attack our site, so I figured I'd change the entire thing to a wordpress site...

I STILL don't have any insurance... lol...

http://www.areyouhappywithyourhealthinsurance.org
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wroberts189 Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Sep-14-09 10:48 PM
Response to Original message
22. No I am not. No dental coverage or even glasses. Copays and deductibles for basic care too high. nt
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raccoon Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jan-04-10 10:24 AM
Response to Original message
24. No. I have private insurance and it sucks. Very high deductible and doesn't

cover pre-existing conditions.



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