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Is Anybody Currently Not Carrying Health Insurance?

lifter6973

lifter6973

Senior Member
Jul 3, 2021
217
136
*sigh*

One would almost think Jazmin is an alt account made solely to post this lead-in... No.., it couldn't be...
What up beef, is this your main landing spot? I've got a few I'm going to test out more.
 
S

searay

VIP Member
Dec 20, 2017
853
721
Bro, max out of pocket was last I checked about $8,500 per person for all insurance. Is it $15K for the whole fam? that is about $18K per family.

I got a supplemental insurance to go with my high deductible policy through work. $6,500. It pays out on accidents, illness and wellness at 90% and is not too expensive. It was offered through my work but maybe you could find one?

Honestly I do not use my insurance. Never have met deductible even with the minor surgeries I had My son broke his back in 5 places had major surgery. $250K We paid max out of pocket and got $2500 back from secondary policy. Check into it.
The plans you speak can be purchased through AFLAC. There is another carrier called Combined that sell these type of plans also. Combined has a much more stream lined portfolio making it much easier to understand and select a plan that's right for you. AFLAC can be overwhelming with the extensive list of options making it difficult for even a sales rep. to understand. Both AFLAC and Combined have sales reps. that will come to you, work or home, to get you set up. Many companies have AFLAC available for payroll deduction which is nice. There are also limited plans through many insurance co. If you are interested in these types of insurance I would check with your employer to see if they work with an AFLAC rep., if not, look up Combined, I'm sure they have reps. in your area.
 
jipped genes

jipped genes

VIP Member
Oct 22, 2022
1,337
1,601
The plans you speak can be purchased through AFLAC. There is another carrier called Combined that sell these type of plans also. Combined has a much more stream lined portfolio making it much easier to understand and select a plan that's right for you. AFLAC can be overwhelming with the extensive list of options making it difficult for even a sales rep. to understand. Both AFLAC and Combined have sales reps. that will come to you, work or home, to get you set up. Many companies have AFLAC available for payroll deduction which is nice. There are also limited plans through many insurance co. If you are interested in these types of insurance I would check with your employer to see if they work with an AFLAC rep., if not, look up Combined, I'm sure they have reps. in your area.
Thanks, it is not AFLAC, it is through Cigna and is called gap insurance. My wife is a former medical insurance rep for a Dr. office. She gets all of this stuff. I just let her handle it.
 
genetic freak

genetic freak

VIP Member
Dec 28, 2015
2,561
3,213
Makes me so glad I went in and stayed in the Marines. TRICARE for Life is like $625 a year and there are no deductibles on base. If my family is seen out in town we pay a $30 deductible/copay. I don't pay anything, because I also have 100% VA coverage.
 
beefnewton

beefnewton

VIP Member
Nov 11, 2022
1,182
1,336
Haven't had health insurance since 2013 or so. Everything I do is out of pocket. Have surgery this week to remove some giant cell tumors out of my fingertip (really dumb place for tumors imo). Super easy outpatient procedure with local anesthesia. Total cost will be about $3k for doctor, facility, and things like pathology, follow-up, etc. I cannot justify health insurance anymore. It would have to be a catastrophic, life-threatening event to come out ahead financially.
 
AdelPetersen

AdelPetersen

Member
Mar 15, 2023
11
4
I'm sorry to hear that you haven't had health insurance since 2013, but it's great that you have the means to pay for your medical expenses out of pocket.
 
AdelPetersen

AdelPetersen

Member
Mar 15, 2023
11
4
I'm sorry to hear that you haven't had health insurance since 2013, but it's great that you have the means to pay for your medical expenses out of pocket.
Have you considered looking into a high-deductible health plan or catastrophic insurance? These plans can provide coverage for major medical expenses while keeping monthly premiums low.
Additionally, a financial advisor like http://www.thefinitygroup.com can offer guidance and support in making important financial decisions, including health insurance options. It might be worth reaching out to them to see if they can offer any helpful advice.
 
beefnewton

beefnewton

VIP Member
Nov 11, 2022
1,182
1,336
Man... in a million years, I just never would have guessed a new account making generic comments would follow up with a sales pitch and a link. It's just so uncommon. I'm just flabbergasted. Absolutely shocked. I know I overuse this image, but really, this dog does no better job at capturing my disbelief.

683F2A8F-797D-4636-999D-BD367EDBB17A.jpeg
 
beefnewton

beefnewton

VIP Member
Nov 11, 2022
1,182
1,336
Now damn it. There goes LK stealth deleting spam again so it looks like I'm talking to myself. At least posts 31 and 32 show as missing so I can at least not appear completely insane. Anyway, cool dog, though.
 
cockswole_gentleman

cockswole_gentleman

VIP Member
Jan 29, 2023
95
85
bump!

Someone else has to have an opinion on this topic
Is there such a thing as catastrophic insurance anymore? Just in case something big happened while uninsured for anything else.

I go on unemployment during the Wisconsin winters. Had a hang up with my unemployment and my insurance premiums did not get paid. I had a sleep apnea event during this time that caused AFib and sent me to the hospital. It eventually got worked out but could have bankrupted me worst case.
 
Bigtex

Bigtex

VIP Member
Aug 14, 2012
1,107
1,636
All I can say is just wait until 3 months before your 65th birthday and you can apply for Medicare/Medicare Advantage. My retirement company takes money out of my benefits to pay for Medicare Advantage so I have no choice in plans. But I have no problems finding doctors and my deductible is $400/yr. I pay $118/mo for this policy plus the expense of paying every three months for Medicare part B. $5 co-pay for my regular doctor, $10 for a specialist. They even pay for my TRT. Before this I was like the rest of you, paying a lot of money just to have insurance I couldn't afford to use and going to the doctor for cash. Now I am happy to give these medical people my insurance card and co-payment. I see some kind of doctor every week now but before Medicare Advantage, I rarely went to see a doctor, couldn't afford it, even with insurance.
 
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