@rnmissionrun said in RL Anger:
@iluvgrumpycat said in RL Anger:
I really love how you can go to the marketplace, qualify for a certain amount of help towards a premium. And then STILL be paying over a hundred bucks a month for a single person with a 6000 dollar deductible. Like....isn't it just cheaper to pay out of pocket unless something really, really, really bad happens? 'cause I'll never spend 6k a year for just going to the dr when I get the seasonal crud.
It's cheaper, until something serious does happen, or you require prescription medications that cost hundreds of dollars per month.
^ This. @insomniac7809 used to go to the doctor once a year, maybe twice, if I nagged him. Or tricked him, which I have legit done before. (Fucker had bronchitis. I regret nothing.)
Then last year he had an explosive eye surprise that recurred six times, required he go to a subspecialist for no less than three visits every time, and landed us in the ER of an eye hospital one night at 10pm.
I literally would've had to wipe out our savings accounts, my savings bonds, and my employee stock from my last company to pay his bills were it not for my current company letting me put him on my insurance as an after-tax dependent. Which means I have to the IRS taxes on that as "imputed income", but that's still, like..... $1000 out of my refund annually to get him deeply discounted insurance that actually covers stuff.
This year he had surgery to correct that eye issue and chewed through our entire deductible by March. He's gone to the doctor.... exactly twice since. For post-surgery follow up.
It's kind of a crapshoot with insurance, really, but.... that's also kind of the idea behind it? Like, that's how the company makes money? It's a shared pool of funds that only works if most people are paying more into it than they're getting back out of it. That's also why it's a fairly shitty way to manage healthcare because sooner or later, pretty much everyone is going to need to use it for something major. Unlike homeowners insurance, where it's unlikely that everyone's house is going to burn down at some point