New ICE Vehicles Banned in California by 2035

[Tomm]

Originally Posted by Dadhawk

I'm not enrolled but one of my adult sons uses AHA. It's a high deductible plan that includes dental. The plan closely matches the one I have through work in terms of benefits, although his out of pocket is higher as are his deductibles, it is administered by United Healthcare (under a different brand name), and is cheaper than what I get through my employer. He uses the same Doctors my wife and I use. He gets a minor subsidy because of his income level.

Anyone can go to healthcare.gov and look through the available plans if you are really interested in them.

$781/mo with a $7600 deductible was my cheapest estimate. No dental. Didn’t see anything ab vision. 50% coverage for hospital, X-ray, specialty, labs and oddly prescriptions drugs.

Hard pass.

[TylerLieberman]

Originally Posted by Tomm

Yea that happens when they can’t handle it, the active duty side does the same thing when their systems are so overloaded that the medical readiness is suffering or it causes increases in non-deployable troops. It happens but guess who gets stuck with the bill when they try to go outside the network without any justification? They do and 100% of the bill at that.

Yeah dealing with medical stuff while active duty is a huge PITA. You’re pretty much stuck with whatever is available on post, unless you can somehow manage to get some type of referral to somebody in network in the nearby area.

Being retired is much easier lol

[Tomm]

Originally Posted by TylerLieberman

Yeah dealing with medical stuff while active duty is a huge PITA. You’re pretty much stuck with whatever is available on post, unless you can somehow manage to get some type of referral to somebody in network in the nearby area.

Being retired is much easier lol

“Oh you broke your arm, Motrin and water - walk it off.”

Oddly every single one of my close buddies that broke a bone on AD had to have them reset multiple times (2-3).

Lol you survived. Congrats to you sir! I was done after 2nd contract.

[TylerLieberman]

Originally Posted by Tomm

“Oh you broke your arm, Motrin and water - walk it off.”

Oddly every single one of my close buddies that broke a bone on AD had to have them reset multiple times (2-3).

Lol you survived. Congrats to you sir! I was done after 2nd contract.

I legit had a doctor try to prescribe me mucinex like 5min after telling him I was allergic to Mucinex; more specifically guaifensen.... the active ingredient in Mucinex

The “drink water and take ibuprofen” stereotype is hilarious though because it’s so accurate.

[AnalogMan]

Apparently this is the future:

https://www.metatube.com/en/videos/3...ass-Car/embed/

(Yes, this is a joke, but it's funny nonetheless)

[Dadhawk]

Originally Posted by Tomm

Didn’t see anything ab vision..

I've never seen a "vision insurance" program that wasn't really just a discount program off list price. It's always seemed like a waste to me.

In general though, health insurance really isn't insurance, its a prepaid medical plan with a maximum payout.

Basically, it's like if when you bought auto insurance it included all the standard maintenance and mechanical repairs for free along with your catastrophic loss (accident) insurance.

What we have is more like a cost sharing program.

Here's a good article that explains it better than I did.

[Tomm]

Originally Posted by Dadhawk

I've never seen a "vision insurance" program that wasn't really just a discount program off list price. It's always seemed like a waste to me.

In general though, health insurance really isn't insurance, its a prepaid medical plan with a maximum payout.

Basically, it's like if when you bought auto insurance it included all the standard maintenance and mechanical repairs for free along with your catastrophic loss (accident) insurance.

What we have is more like a cost sharing program.

Here's a good article that explains it better than I did.

I’ve had BCBSs blue vision for a few years, they cover most everything even some of the cost of new frames/lenses every year. I don’t really consider this particular plan a discount program because I have never had to pay anything outside of the premium. But I get what you’re saying. Maybe I just have the Cadillac plan.

[mav1178]

Originally Posted by Tomm

I’m aware of you feel about, I just want to know how someone who has actually enrolled in ACA feels ab their service.

I have my insurance via Covered California (which essentially is ACA in California).

Comparing it to my previous Kaiser plan from my previous employer, it is identical premium-wise.

The only thing different is any type of subsidies you might get from Covered CA, which is based on your income.

Originally Posted by Tomm

$781/mo with a $7600 deductible was my cheapest estimate. No dental. Didn’t see anything ab vision. 50% coverage for hospital, X-ray, specialty, labs and oddly prescriptions drugs.

Hard pass.

Much like car insurance, health insurance varies wildly depending on the type of plan (HMO/PPO) as well as where you live.

I pay ~$300/month for my Kaiser HMO. But I also have never needed prescription drugs in my life, so I went with a Bronze plan instead of something higher.

Covered CA offered me dental + vision (via VSP) for an additional ~$20/mo. The vision part essentially gives me a free checkup a year + about $100 credit towards contacts or frames.

[Tomm]

Originally Posted by mav1178

I have my insurance via Covered California (which essentially is ACA in California).

Comparing it to my previous Kaiser plan from my previous employer, it is identical premium-wise.

The only thing different is any type of subsidies you might get from Covered CA, which is based on your income.



Much like car insurance, health insurance varies wildly depending on the type of plan (HMO/PPO) as well as where you live.

I pay ~$300/month for my Kaiser HMO. But I also have never needed prescription drugs in my life, so I went with a Bronze plan instead of something higher.

Covered CA offered me dental + vision (via VSP) for an additional ~$20/mo. The vision part essentially gives me a free checkup a year + about $100 credit towards contacts or frames.

Thanks for chiming in.

Is this a self only plan? I agree, there are a lot of variables. My question is more geared towards how your coverage and service have been but it kind of seems like you don’t need it. lol

The concept of basing insurance rates off of capability to pay is asinine to me. We can talk ab how insurance companies come up with premiums but it’s pretty widely known. So it’s progressive rates for the same service. That is another hard pass for me. To me, that’s like charging someone more for a gallon of milk because they earn more.

[mav1178]

Originally Posted by Tomm

My question is more geared towards how your coverage and service have been but it kind of seems like you don’t need it. lol

Who said I don't need it? Just because I have no medical condition doesn't mean I don't need health insurance.

It's like saying "I've never been in a wreck in the last 20 years, so I don't need car insurance"... which I have not had in 20 years on a public road. But that isn't the point of insurance.

Insurance is there to cover risk. Whether or not I use the insurance coverage is a moot point. To view health insurance as different from any other type of insurance is missing the big picture.

Every person in their life will need health coverage at some point, whether they want to or not. Most of the coverage needed is at birth (when it's under your parents or whomever took care of you until you were an adult) or when you are dying/dead (whether it is from an illness or natural death). To assume "one can pay for their own" is ignoring the above two situations. Am I supposed to go back in time and pay my parents back for the coverage (or lack of) when I was a child, when I was born?

Originally Posted by Tomm

The concept of basing insurance rates off of capability to pay is asinine to me. We can talk ab how insurance companies come up with premiums but it’s pretty widely known. So it’s progressive rates for the same service. That is another hard pass for me. To me, that’s like charging someone more for a gallon of milk because they earn more.

But that's not a valid comparison.

The fundamental concept of health insurance being subsidized is just a general concept of the fact that a healthy population costs less to maintain than an unhealthy one. So if you were to provide more coverage (overall) then you'd pay less over a period of 30-60+ years.

A lot of this gets into very specific types of economic modeling for socio-economical conditions that are too difficult for a few discussion posts here, but at some point it needs to be emphasized that a healthcare subsidy is NOT the same as someone paying more for a good or service.

The premium I pay ($300/month) is me, unmarried 41 year old male in California on the Kaiser Bronze plan. The only difference before/after ACA is that California offers a subsidy up to ~$300 depending on my level of income, and it goes away entirely once my income is above a certain threshold.

That's all. What I pay for my healthcare does not change, what the state subsidizes changes. So it's like a gallon of milk is the same for everyone, except those that are poor can pay with food stamps from the state.

[Tomm]

Originally Posted by mav1178

Who said I don't need it? Just because I have no medical condition doesn't mean I don't need health insurance.

It's like saying "I've never been in a wreck in the last 20 years, so I don't need car insurance"... which I have not had in 20 years on a public road. But that isn't the point of insurance.

Insurance is there to cover risk. Whether or not I use the insurance coverage is a moot point. To view health insurance as different from any other type of insurance is missing the big picture.

Every person in their life will need health coverage at some point, whether they want to or not. Most of the coverage needed is at birth (when it's under your parents or whomever took care of you until you were an adult) or when you are dying/dead (whether it is from an illness or natural death). To assume "one can pay for their own" is ignoring the above two situations. Am I supposed to go back in time and pay my parents back for the coverage (or lack of) when I was a child, when I was born?

Pump the brakes. I wasn’t being accusatory. I was speaking figuratively and lightly suggested you were healthy. I never suggested that you should not have health insurance.

I didn’t even challenge anything you said in your post. I just said I disagreed with progressive insurance rates based on capability. Which you have no control over. So why the hostility?

[Tomm]

Originally Posted by mav1178

But that's not a valid comparison.

The fundamental concept of health insurance being subsidized is just a general concept of the fact that a healthy population costs less to maintain than an unhealthy one. So if you were to provide more coverage (overall) then you'd pay less over a period of 30-60+ years.

A lot of this gets into very specific types of economic modeling for socio-economical conditions that are too difficult for a few discussion posts here, but at some point it needs to be emphasized that a healthcare subsidy is NOT the same as someone paying more for a good or service.

The premium I pay ($300/month) is me, unmarried 41 year old male in California on the Kaiser Bronze plan. The only difference before/after ACA is that California offers a subsidy up to ~$300 depending on my level of income, and it goes away entirely once my income is above a certain threshold.

That's all. What I pay for my healthcare does not change, what the state subsidizes changes. So it's like a gallon of milk is the same for everyone, except those that are poor can pay with food stamps from the state.

Who’s paying for the subsidies?

You understand the whole point of what I said is that I have a problem with the whole “depending on level of income” thing, right? You ripping apart my comparison is futile because you’ve disregarded the reason for the analogy.

I’m okay with people having subsidies to support those who cannot afford to purchase it (just as I am with SNAP) privately but Medicare already does that to an extent. The whole point is that I’m not okay with bending people over the barrel for shitty coverage and premiums triple what they cost in the private sector.

[mav1178]

Originally Posted by Tomm

Pump the brakes. I wasn’t being accusatory. I was speaking figuratively and lightly suggested you were healthy. I never suggested that you should not have health insurance.

I didn’t even challenge anything you said in your post. I just said I disagreed with progressive insurance rates based on capability. Which you have no control over. So why the hostility?

If you think what I wrote was hostile, then you should re-read what I wrote.

If I was trying to be hostile I would not have bothered to type more than 2 words.

[Tomm]

Originally Posted by mav1178

If you think what I wrote was hostile, then you should re-read what I wrote.

If I was trying to be hostile I would not have bothered to type more than 2 words.

That would have been entertaining.

Civil discourse is for those who can separate their emotions from their argument. If you can’t do that, don’t bother responding.