Reddit worst health insurance. I enjoyed working for P&C over health.

Reddit worst health insurance Humana only seems more ethical on paper because they're far younger than UHC. Why are US Health Insurance Companies so horrible? Denying claims that should be approved or some cases were pre-approved and all referred by PCP. The insurance for my 1 year old cat is $70 a month, only covers 90% and doesn’t cover taxes (13%). I am going to raise this to IRDAI as a complaint once the Grievance officer fails to give an appropriate response within the next week. Mind you. 100% if I’m having chest pain I’m getting in my car, parking against the tree in front of it and calling 911. My wife has a similar situation based on my 100% P&T rating and her work paying her to decline insurance…Champva has worked out great for her. Insurance is supposed to cover catastrophic rare events, and be based on individual risk, or as close to individual risk as the actuaries can get. Most insurance companies will offer this for a premium. For me it’s not. I had vitality health insurance through work, when I got seriously ill they couldn't palm me off onto the NHS fast enough. My long forgotten friend suddenly contacted me to introduce her Prudential Takaful health insurance plan. However, their insurance options are absolute trash. But when i reapplied they asked unreasonable things and insurance was rejected. Anthem Blue Cross is the one on the top of my hate list. You’re saving over $11,00/year dropping your other insurance. Dec 5, 2024 · The nation’s largest health insurance company pressured its medical staff to cut off payments for seriously ill patients in lockstep with a computer algorithm’s calculations, denying rehabilitation care for older and disabled Americans as profits soared, a STAT investigation has found. UHC and Optum because they never look at claims when I'm appealing, Cigna for BS denials and also never uploading documents sent to mailroom until you threaten HIPAA violation, and BCBS with their damn reprocessing of claims. But, you can ask the provider for the diagnosis codes and procedure codes and call up the insurance company and ask them before you have service. When I got out the army I didn't have any health insurance for 6 years. I'm not that young, either. Watania and few other insurers offering Mednet plans will cover you from day 1 for pre existing conditions if u declare them. It’s open enrollment time and my next year high deductible plan for a family of 4 is over $7k in premiums plus at least $6k deductible, so $13k before I see any real benefit. It appears both of you are receiving health insurance through the same employer but your co-worker chose a different plan. There is a slighty better chance that you can get help (and they do offer finicial assistance for some services). I didn't realize I was one a state workers subreddit, I was just randomly searching about insurance. Life is too precious for that. I am about to be turning 26 so my dad says I need to be getting my own health insurance. So there is no cap on that. My medical expenses during that time totalled just under $400. Waste of money and switched out immediately and filed a report with the division of insurance in my city YMMV. Unsure if I need dental. Twice. I’ve literally had car insurance companies call my station to try and find out what ambulance came out to get a refusal on a person in a mva that didn’t need treatment, because their customer didn’t know, and they didn’t get a bill. I have a Blue Cross Blue Shield plan and you think, wow, large health insurance company, should cover a lot, right? WRONG. Keep in mind that the private cover is just for the hospital birth and delivery. (with possible yearly increases of course). kaso kasi he resigned this year and i think retired na sya kaya will need to prepare narin. Example of bad insurance is community health insurance. I don't recommend anyone base their health insurance decision on the ethics or history of the insurer, because they all suck butt. Include your age, zipcode, and income to help the community better serv I have private health insurance through Vitality and I find it more than worth it. Perfectly healthy weight. Which provider would you Dec 5, 2024 · Because the US health insurance system is bloated and inefficient by design. We don’t have kids or babies yet. ” Which is it? I would advise you to go for Insurance PSUs (New India, Oriental Insurance, National Insurance, United Insurance). Your post is confusing because you say you get insurance "through my work" and mention that a "co-worker" has a different plan which appears to be better. By far the worst insurance I have ever used. 18 votes, 68 comments. I work for a state hospital so the insurance is okay but I'm leaving for outpatient urgent care that is privately owned and the health insurance is very expensive. Yup. The abolute minimum that is considered acceptable is one that's compliant with the ACA, which means to pre-existing exclusion and an OOP max for covered in-network services at no more than $9450 and invividual for covered in-network services. I went through a knee surgery last summer, each physio session is $80, and I need it once a month. If you're married and your partner has public health insurance, then you'll be covered through your partner's insurance (*). They actively oppose making society better in order to line their own pockets. Okay so Regal and Lakeside Medical group are the worst for me. How is the difficulty of the university connected to the state of the health care system? I understand the annoyance you encountered with the long waiting time, but calling it the worst health care system in the world is a bit overkill. I think my worst experience was going for a recovered cleaning to a dentist that took my insurance. All of you who use Navi health insurance should do too. Basically you're trying to give your patients the benefits that they'd get if you were in network (filing claims for them, adjusting their billing), while being out of network. Endless nonsense phone systems designed to keep you from resolving issues and pull you toward more and more useless automated compliance disclosures. If you want no government money for your health insurance call your preferred local insurance broker and buy an off-exchange plan. Instead it covers routine predictable expenses, and is only loosely based on individual risk. Any attempt to reform it is met by resistance from health insurance executives and their lobbyists who are enriched by the status quo. Regardless of insurance or no insurance, it takes months to get in with a psychiatrist and has only worsened with the pandemic. Coinsurance, office visit, behavioral health, specialist, telehealth (non-mental health), and ER visits are 20% after deductible is met; out of pocket max is $11k. Depending on what you learn about your health, you can sign up for the HYSA next year if you don't think you are going to spend too much. No such thing as a fool proof way to make sure every thing is going to be cover. And quite frankly, I shouldn't need an in-depth knowledge of healthcare and health insurance, spending hours and hours of my time combing through pages of fine print with BS jargon to make sure I am getting what I am getting. What has been your best and worst experience with Health Insurance companies in India? My worst experience has been with Star Health (corporate)when they denied my family's Insurance citing that a 3 day dehydration and fainting does not require hospitalization. Thank you for your submission, u/Different_Pen2314. However, there are still numerous financial and health related reasons to consider signing up for a low-cost-health insurance plan. Besides the ridiculous high premiums and out of pocket costs, it’s horrible that they have denied coverage for a surgical procedure, a radiology test and 2 prescriptions. On a $6k bill I’m out of pocket $1. Please do not think going without insurance is a good idea. I would like health insurance primarily for in case of accidents. Once you get into the specifics of these reviews, it is easy to see why customers get so annoyed. The first six weeks the plan was un usable due to non payment supposedly. Yes, basic mental health services are supposedly covered; however, finding the best treatment facility may prove more difficult given that Centene and Health Net, among other insurance companies, frequently fail to reimburse these mental health service providers. You should raise a complaint too. As a family doctor I found their care network to be second class with many barriers to and limitations on the availability of services. although i think there customer service is hit All insurance companies have coverage that is subject to medical guidelines and terms of the plan for medical necessity. Worst case scenario Champva for your dependents will cost you $3,000/year. This doesn’t even account for rising insurance costs. I always state to look at worst case scenarios which is good on you calculating that out. You can ruin your health, and if anything happens your finances, by not having medics insurance and medical care Yes, many of the best psychiatrists in our city are cash-pay only, which I 100% understand due to how much insurance companies dictate how you practice. I work full time in the state of Utah and am covered with health insurance from Blue Cross. When they switched over to Aetna (and I was forced to switched) the coverage switched to 40 or 50 percent coverage with the highest plan and it cost way more than the comparative delta dental plan. $360x 12 months minimum cover and then the Obstetrician fees and you could be up to $10,000 (depending how long it takes to fall pregnant) for a single room for 4 nights. ” and also “Starting in 2019 there will no longer be a financial penalty for not having health insurance. But if you do that with insurance you also have to do it WITHOUT insurance. As a non-state worker, I have kaiser bronze and when people ask me what insurance I have I just say I don't have any. Over time, I've come to realize something: IT HAS BECOME POINTLESS TO BUY HEALTH INSURANCE IN THIS COUNTRY. Which, yes. It's risky but it's doable. Oh, my bad. With over 500 reviews to examine, Tata AIG has a 1-star average. Now the reason I’ve discovered they will not cover my inhaler is, it is the most expensive in the system. “People who write and play their own songs, only do so because they aren’t talented enough to play other people’s music. I'm 44. Spending 15 to 20% of my income for a health insurance plan that still "may" not cover me is not ok. Regardless of whether you have been insured before (ie have ‘continuity of cover’) They do apply some loading on the base premium for declared conditions. My daughter has a health condition and the treatment is nearly $1 million a year. Physio is covered at 80%-85% but the maximum it will reimbursed is $25 per session up to $200-250 (forgot the exact number)😂 what a joke. I have a good job. Will we get it back? It’s crazy but I’m considering cancelling health insurance because making an appt is ridiculous, I have a “good” plan that still has a $1,500 deductible that I’ll likely never use. No, the insurance companies are the problem, their increased profits and declining benefits are robbery. . Got the insurance reinstated to have them cancel the policy 3 days later. Some companies have good health insurance and some have terrible health insurance. Health insurance in the United States is pretty crazy, and we're here to help you navigate it! SOLICITATION RESULTS IN AN INSTANT AND PERMANENT BAN. I HAVE health insurance and a few years ago got kidney stones on December 19th. Went to the ER and they suggested a several thousand dollar MRI to find the stones and potentially surgery to remove them. I got a Clinikk Health insurance (the worst) Benefits: same as even + all medications (prescribed) would be covered and tax documents can be downloaded Experience Decoding health insurance rules is a specialized skill and decoding health insurance laws (no doubt written by insurance companies who "supported" politicians) require lawyers. After 3 hours of insurance intro + old school stories + finally insurance coverage and fees, finally she tells me my plan would cost me RM180/month to be paid until I'm 70 y. Been working 6 months for an insurance company where I’ve quickly risen to be number two in health insurance sales for the past two months. Source: I have been a health insurance broker in Michigan since 1995 and I write business with Priority, BCBS and pretty much every other carrier in MI. pay $300 monthly, but still pay up to $5k a year before insurance pays or meds aren't covered. I needed a $5k procedure done. Covered ca gives you some discount. I was on FMLA leave this summer and while I was gone, my… If anyone with insurance experience could help I'd greatly appreciate it! Anthem HDHP w/HSA HPN (in-network providers only) Employer contributes $900 annually to HSA. I also worked directly for a health insurance company for the first ten years of my career. There are a bunch of countries having way worse. No usage of substances. they'll get there. You can ruin your health, and if anything happens your finances, by not having medics insurance and medical care Obviously, if money was no object I wouldn’t need the insurance; but I am assuming that the best possible insurance would likely be cheaper than having to cover extreme medical expense like needing to stay months in the hospital with tons of expensive tests and specialists. Meanwhile, I spent almost $4,000 in health insurance this year and I’ve had 2/3 appointments cancelled by docs this year. 2023, I have a family of 5 and things are a little different. 5k is about 5 years of monthly insurance. Only premium paid for insurance would cover your experimental treatment scenario, if at all. If you have any things that could adds here, please share. When I want to see a doctor I just go to one and tell them I don't have any insurance either; I get to see them quicker, get to see Basically every Navi health insurance user is being made to give away permission as a pet project for their other products. You can have insurance, make a claim, and get fucking $0. I am more than welcomed to pay for it on my own. I know this is obvious, but I don't think anyone ever considers this when talking about insurance. Most of the time it isn't. How do I know? Because I just had to go through a long and arduous process trying to figure out the legality of particular reimbursement scenarios at work. Recognizing the signs of a worst health insurance company can be a challenge, but there are common issues that can give you a red flag. $4,000 deductibles at a minimum. However,,covered ca follows Obama care that gives me some discount about $150. The primary team and case management, in addition to the patient, worked to appeal this decision and attempted to expedite this appeal. During that time I kept 10k in my savings for emergencies. Out of pocket $1500 dollars for a cancelled insurance program. yes actually, my dad's company covered them both naman so okay lang dati. My insurance (United) has paid it in full for several years now with no pushback at all and I’m unbelievably thankful for that. Our health care is so bad we actually have a demographic called "underinsured" where people pay for insurance that doesn't do shit and they can't even use what they pay for. ” —actual quote from an r/guitar reply thread yesterday. It's in every insurance company's best interest to pay you $0 for every single claim. I had decent health insurance through my job. Depending on where you are in Texas you have a wide variety of insurance carriers to choose from including: Aetna CVS Health; Celtic/Ambetter (Ambetter from Superior Health Plan); Blue Cross Blue Shield of Texas; CHRISTUS; Friday Health Plan; Moda Health Plan; Molina; Oscar; Sendero; SHA/FirstCare; Community Health Choice; Scott & White Health Plan; UnitedHealthcare of Texas; Cigna; Ascension In WW2 we lost about 60k soldiers each year so capitalized health care is more dangerous for Americans than being an enlisted soldier in the trenches of WW2 at its peak. I was on FMLA leave this summer and while I was gone, my… My daughter has a health condition and the treatment is nearly $1 million a year. My options are quite limited as at the moment I can only present a US passport to create a bank account and subsequently ask for health insurance. I have been on a COBRA plan with my parents’ insurance since I turned 26 a few months ago. How do people with no income and job receive health insurance? All the options I could find look like a scam, E. Go to policy baazar and find the most suitable health insurance for yourself and then the insurance which you have to buy directly from the company office or website. Being seen by a private obstetrician is not covered and I was out approx $4000 in costs to the OB. I found out from my senator. Medicaid has $0 copay, 0$ deductible, $0 out of pocket where as private insurance has 20% in network copay, $1500+ deductible… This works for me because I know my health well and am young so realistically I'm probably just going to be in a car accident, fall over at work (then I'm covered anyway) or do something dumb playing sports. for life insurance, just look for a good insurance agent. If I develop a serious illness that needs urgent treatment, I do not want to be stuck on an NHS waiting list. I've done a peer-to-peer with Anthem BC over trying to order a PET scan for a patient who was found to have masses all over their abdomen during an ER visit for severe abdominal pain. In WW2 we lost about 60k soldiers each year so capitalized health care is more dangerous for Americans than being an enlisted soldier in the trenches of WW2 at its peak. Thank you for your submission, u/zyonasan. I enjoyed working for P&C over health. Mar 6, 2025 · If you have an EOB (explanation of benefits) available from your insurance website, have it handy as many answers can depend on what your insurance EOB states. Hi there all, So, I want to go for a health insurance for my wife and I. This feels like a scam. It will save you some cost. Here’s my takes: I’ve found that the best prospects are clients who already have damage insurance on many other things except health. You either have to pay up whether you can afford it or not, or you need to go get a part time job working for a company that offers health insurance and do the business on your free time until it makes money. So yeah, it's your network status. Direct all COBRA questions under CARES and ARPA here: COBRA & Covid-19 Please pick the most appropriate flair for your post. My work has been offering severance packages to laid off employees that includes the cost of health insurance from what I’m All insurance companies have coverage that is subject to medical guidelines and terms of the plan for medical necessity. I called my health insurance twice to confirm that it was completely covered other than my small deductible. Apr 5, 2023 · When it comes to the worst health insurance companies, Tata AIG has to be at or near the top of any list of this nature. So here we are. This insurance subreddit is for consumers wanting their questions answered about insurance (quicker than a bigger sub where you have to wait to trend to be noticed), and P&C and L&H agents/brokers wanting to answer consumers' questions while sharing useful content in addition to asking and answering agents questions about the business. 123K subscribers in the guitarcirclejerk community. o. I was leaning toward Adeslas because I can simultaneously open an account while using their insurance services (even with just a passport). I have spent lots of time without health insurance. If I use it I have copays, $6000 coinsurance and $3,000 deductible on top of that. Generally, you do not have to pay the penalty if you are uninsured for less than 3 months. 76 just to have health and dental coverage for my family of 5. I paid nothing effectively (after refund) and insurance paid 8 lakhs in total. My work has been offering severance packages to laid off employees that includes the cost of health insurance from what I’m stick with the known companies when getting life/health insurance. I would really love to hear some suggestions and feedback on various health insurance providers in Dubai. Hi semua Story first. For example, iam 40, the private insurance is $ 600 per month for Kaiser. Then a couple of months later I get a bill for around $100 for something not paid by insurance. This means that they honor 98% of all health claims and are 100% owned (except New India) by the Government of India. Companies that consistently receive poor reviews across customer satisfaction ratings, complaint ratios, and transparency in claim processing are often the ones to steer clear of. BTW surely you have heard of triage. But every hospital takes it so you would have no problems if you have a major health issue. She was recommended acute rehab by physical therapy, but Aetna denied this. I can help you to understand about health insurance of different types Yeah when I had dental insurance through CVS I had delta dental which covered 80 percents of the costs (the best dental plan they had). Best so far for me has been Max Bupa, though it is costly. The other thing is that health insurance doesn't work like actual insurance. Deductible $4200. Only reason I got health insurance now is my line Of work, my age and I have a kid. You rely on your precious insurance as though it's guaranteed, but it's a fucking gamble at best. I work for the same company he does and from what I can tell it seems like he is pretty disappointed with the plan the company offers. Some common questions and answers can be found here. Reminder that solicitation/spamming is grounds for a permanent ban. G. Still no complaints. MEDICAL is free and so it is better than not having insurance or having insurance that is unaffordable. All have settlement ratios above 98%. will provide this for them talaga kahit eto muna kasi di pa keri apo hahaha lols here's my opinion based on my own experiences. I don't have any right now, haven't since the beginning of the year. Who knows. Granted, I trained claims at the former and handled/trained claims at the latter, but auto is much less emotionally charged because you aren't dealing with people's health (not counting bodily injury) and a car is a car. Employment that pays less than €450 a month does not include the mandatory health insurance cover, and you have to make sure you have health insurance by other means. So right now, if I got sick or got hurt, I'd be screwed. If your question relates to COBRA under CARES and ARPA, please post here: COBRA & Covid-19 Please pick the most appropriate flair for your post. I can help you to understand about health insurance of different types Health insurance in the United States is pretty crazy, and we're here to help you navigate it! SOLICITATION RESULTS IN AN INSTANT AND PERMANENT BAN. A basic paid for health insurance would cover your snake bite scenario. They did the whole telling me this and that was next. A lot of this depends on your level of insurance. Insurance companies typically don't want to cover experimental treatments But make sure you start to get care. We had AXA. It sucks so much compared to my health insurance plan when I was studying at the U of A (Edmonton). I would advise you to go for Insurance PSUs (New India, Oriental Insurance, National Insurance, United Insurance). A few months after the procedure I got a bill for a thousand dollars, saying something or rather wasn't covered. If you've received solicitations via DM, please let the mod team know! Yeah when I had dental insurance through CVS I had delta dental which covered 80 percents of the costs (the best dental plan they had). That comes to about $200/month free health insurance. Feb 22, 2024. Did get accepted at MOST places but the places it didn’t it offered extremely fast repayment thru their online app reimbursement (2-4 days). Be sure you carefully read the terms to understand the exclusions of the plan you select since it won't be subject to ACA compliance requirements. That comes with an Astérix. Without insurance you just took a 5k hit. However. If not eligible for medicaid, it sounds like you have two options given that you have health issues that make freeballing it a non-starter. I’ve paid high option NALC health care plan since 1993. Denied all claims saying provider was not in network. No ongoing health issues, regular doctor visits, medications, or whatever. most of the issues kasi is due to agent's fault ( di napaliwanag maigi, di nacheck yung history, di aware sa process, etc ) yung iba kasi makabenta lang talaga If anyone with insurance experience could help I'd greatly appreciate it! Anthem HDHP w/HSA HPN (in-network providers only) Employer contributes $900 annually to HSA. These are covered in emergency and at worst would likely cost me 5-10k to have operated on if I needed a follow up. I am quitting work to take care of a sick family member 24/7, I won't have health insurance through employer anymore. You'll have a better idea next year. dipa ko sure sa resign kasi he had the tendency to apply once mabore sya sa bahay haha. Insurance companies at their will can change the medications they cover 4 times a year. Just for myself, at the new job, it is 193/month with a 2000 deductible with a 5200 OOP max, or 91/month with a 3000 deductible with a 6550 OOP max for a high deductible plan or 440 Humana only seems more ethical on paper because they're far younger than UHC. I had insurance for a long time before that but have had years here and there throughout my life where I didn't. It costs $28,235. Now healthcare gov says she needs to pick another plan under a special enrollment. JFC such a waste of my time. I'm planning on going down to part time so I don't even know if I would qualify for company insurance. The letter I received from Covered California listed the following options: Aetna, Anthem, Balance, Blue Shield, Health Net, Kaiser, LA Care, Molina Healthcare, OSCAR, VHP, Sharp Health Plan, and Western Health Advantage. But sign up now. Worst case scenario you are up 8k a year by making that switch. I have been with my current employer for just over a year and it is easily one of the best jobs I have had. Include your age, zipcode, and income to help the community better serve Molina is an infamous health insurance company founded by 2 brothers of the same name in Long Beach, California to contract with the state to provide health services to Medicaid patients. Of note, her insurance (Aetna MCR) hindered and delayed the patient's hospital discharge for about 1 week. Thank you for your submission, u/G_r_e_a_y. I work at a hospital that owns its own health insurance company that we get our insurance through. I have hard time finding best option for us. having worked on the insurance side of the health industry, I can say Kaiser is actually a little better than most carriers because the providers and the insurance or on the same team. The down side is that many providers don't take MEDICAL because of low reimbursement so it can be hard to find a provider who takes it. If you've received solicitations via DM, please let the mod team know! Go to policy baazar and find the most suitable health insurance for yourself and then the insurance which you have to buy directly from the company office or website. 5k even with insurance, and $4. It's a high-deductible plan. So the result is you're getting the worst of both worlds- in network work and rates while being treated as OON by the insurance company. But make sure you start to get care. Just lost my MediCal coverage and am trying to choose a new insurance company. hjlbf pqdc nrhv kxqpxmv rudd wvtto iltbu vivs gnj pdugxd bivt gcmguv ygnzacj ywaji nvve