A community of 30,000 US Transcriptionist serving Medical Transcription Industry

medical benefit change - worker

Posted: May 09, 2011

open enrollment is bringing a new medical insurance at 3 times the cost. What is going on? Isn't the pay low enough...now all to be eaten up with healthcare costs?

med coverage rx - me

[ In Reply To ..]
For all of us who use the script plan, you will be better off taking advantage of Walmart or Sams Club, most scripts $4 for 30 and $10 for 90 day supply. Go for it.

If this continues next year, I am switching to BCBS!!! - Sunflower

[ In Reply To ..]
I am sick to my stomach about this new health plan. It is more money per month for NO health coverage. Everything out of pocket.

I have a friend who sells BCBS and it was too late for me to do it this year, so I will have 1 year with this crapy insurance and then I am switching. It is 60 bucks cheaper per month for a better health plan.

For this year, I am getting supplemental accident insurance for any accidents, broken bones, stitches, what have you and that will cover my outrageously high deductible in case any accident happens. It is 55 bucks per month. The only thing that sucks is that I am paying 60 bucks more a month for this crapy insurance and now have to pay 55 bucks more for $7500 of accident insurance to cover deductible, but if anything does happen, it will be TOTALLY WORTH the 55 bucks more a month.

I do participate in the Publix, Sweetbay RX plans already.

those are only for some generic drugs - justaworker

[ In Reply To ..]
I am opting for the insurance just for the RX at this point because some drugs, even generics, can run into hundreds of dollars for a 1-month supply! I have checked out Walgreens and Walmart, and they didn't have the drugs I needed on their list.

CVS - mt

[ In Reply To ..]
CVS has a discount program that offers some different meds than Wal-Mart and Kroger offer here. My kids take Adderall and I was paying $35 a month for each of them with the insurance. Generic Adderall is on CVS's list, I can get it for $25 a month WITHOUT insurance!

Cash is the way to go nowadays.. - Sunflower

[ In Reply To ..]
My son needed an MRI and with insurance it would have costed me $915. I called the same diagnostic center and told them I had no insurance and they charged me $300. Check out cash prices before going thru insurance.

Whoaaaaa! Are you serious? They charge more - for the same procedure if youre insured?

[ In Reply To ..]
I always though it was the other way around! Is it the same for dental, too?

some will give you a discount - justaworker

[ In Reply To ..]
if you are uninsured. I know my eye doctor would do that for glasses. Definitely not for physicians though, thats for sure!

My doctor would charge me 35 for visit when paying cash - before I had insurance

[ In Reply To ..]
However, now he bills our insurance 130.00 for his visit.

He said he can charge the insurance company more, which covers people without insurance.

Plus he would give samples of meds. I could not get a discount on lab work though.

Plus, my dentist would give me a 40% discount if I paid cash that day for anything needing to be done, x-rays, cleanings, fillings, whatever. You just have to call around and ask what their policy is.

discounts - mt

[ In Reply To ..]
Physicians/hospitals get to write off the difference between what they bill and what the insuranace allows. Ex: Dr. Smith bills an office visit for $100, the insurance allows $60, he gets a tax write-off of $40. They get a significant tax-write off at the end of the year.

Also, it sometimes takes 3-4 months for some insurances to pay, especially if you have to resubmit anything. If you pay cash, they have the benefit of having their money that day. Most are happy to get a little bit less right away than to wait for 3-4 months for maybe $10-15 more.

Go to UHC website and get a quote - My quote

[ In Reply To ..]
It's age dependent, so you may be better off or worse. I'm 30. I applied for my son and I for 2500 deductable with 100% coverage afterwards and a prescription card for $260 a month. We're both healthy, so we probably will never meet the deductable, but it's still $100 cheaper a month with a lower deductable than UHC gives MQ. Something to look into.

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