I have been working for a new company for a year now, and have been on their insurance through Aetna the entire time. It’s the first time I’ve had health insurance through work.. So I’m paying monthly out of my check for the health insurance, but then im still going to owe my health provider out of pocket at the end of the year if i don’t pile up enough medical bills?
In: Economics
Lot of negative plans listed on this thread. For me, I’m lucky to work for a company that has a pretty great health insurance plan. They prefer to invest in a healthy staff.
I pay $200 per month for my premium for myself, wife, and daughter, $25 co-pay for regular doctor visits, $35 co-pay for specialist visits (no referrals needed). Preventative stuff is usually free. Also provide a 24/7 help line where you can talk to a nurse to help determine best course of action based on your issues. I think this helps prevent a lot of unnecessary ER visits. Also another help line to assist with paperwork, understanding bills, finding in-network providers, etc.
I’ve never paid more than my co-pay for any issues to this point. This includes a 2 week hospital stay for COVID, I had cancer in my neck removed, sleep test, 2 years of psycho-therapy, couple broken bones, breathing treatments, ENT surgery, gall bladder surgery, multiple MRIs, many more.
Company uses Blue Cross/Blue Shield of New Jersey.
My dental insurance is ok as far as coverage for big stuff. But they offer up to 4 free cleanings per year. That’s practically unheard of as evidenced by by dental office being astounded by that. I go to all 4 with a smile.
Health insurance in the US is a confusing thing compared ot what Helath insurance means in the rest of the world.
it should work the way you think, the provider takes care of all the clerical stuff regarding costs in Health as long as you pay your premium, however in the US they have the fundamental difference of being primarily for profit and ot maximize these profits they instead do a sort of co-payment: they cover a part of the costs up until a certain value.
it’s exactly as bad as you think, and most Insurance plans in the US are outright criminal in what they are allowed to get away with. and it’s all because they crippled all other options.
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