leh-nerd skin-erd

Correct, and as I mentioned earlier, I've had my issues with health insurance cos. Due to immediate family history with colon cancer, I started screening when I was 41 or 42 and I'm approaching mid-60s. Zero issues so far, no polyps over 20+ years. However, according to...someone, somehwere...my screening is not considered preventative due the family history, I believe they refer to it as diagnostic. I have spent considerable time and effort with the insurance company, the doctor's office on their coding, and get absolutely nowhere. Now, back to perspective and context--at some point along the way, I realized that my issue was just a dollars and cents issue, and that there are people with real life challenges and on a scale of 1-50, my problem was a 5. Comparing my financial situation with Ned's, well, my outcome was pretty darn good. And most importantly, having witnessed advanced colon cancer in one of the most important people in my life, things ultimately became pretty clear to me. I wrote the check.

Thanks for the reply., I read it as you saying $1,000/month premium (you and your wife total), $8,000 deductible each, and that you met your deductibles. That $12,000 + $8,000 + $8,000 = $28,000/3 = $2,300/month. Now, going up to $1,300/month, same deductibles and presumably you end up at $2,600 per month all in. Again--I don't quite understand how routine care adds $8,000 each to your cost last year, but that's only because my experience is different. In years where I paid out of pocket for a colonscopy @ $2,700, we're still well below $5,000 total for routine well-care. Anyway--I agree that $2,300 - $2,600 out of pocket is a significant expenditure. Context matters though--if you're a fat cat like Fergie with substantial assets and wealth, it's quite affordable. Probably less than (or not much more than) his country club dues/rounds of golf/club house obligations. I think I'm in your camp as to where it should be--a range for a couple in the $1000-1,500/mo, with sensible deductibles in the $5000 range, $7,500 total for a family. However, until we address all the issues----regulation, government overreach, health insurance company costs and efficiencies, and care costs w/ physicians/hospitals/tests etc nothing gets accomplished. All this said--in the event of a serious illness, I am firmly convinced that $2,300 is money very well spent.

Time to reset the parameters for the money grab. Stick around long enough and the next big thing replaces the last big thing.

Yes.

@nedboy7 just wondering if you have any thoughts on what a reasonable health plan might look like for your family of two? Monthly costs..,ded etc? You indicated about $2,300 this year, with a 30% increase in 2026. What’s fair given your income, health etc?

Use your own words. Ask.

You're becoming more flumdacious with each passing day.

My wife and I pay about $8k for our high ded plan ($5 K deductible), maybe another $2000-3,000 in a typical year. We don't take much in terms of prescription drugs, hit the annual physical on an every 18 mos cycle due to schedules, doctor availabilty etc. We're a couple years away from Medicare. I've had my issues with health insurance before on the level we need it, I can't imagine difficulties in the event of serious illness and questions about new/aggressive treatments. Still, I understand that very little happens in the world of health insurance that isn't directly controlled by government regulation. ACA is the most recent example of that, and I'm in the camp of thinking that's going exactly as the framers of the program wanted it to go. High cost, access more and more difficult, frustration mounting and the finger pointed at health insurance companies operating in the framework of government regulation. What would you consider a reasonable cost for health insurance for you and your wife, relative to other costs we incur? $500/month with $2500 deductible? $750/month with $5000? How much total out of pocket would you feel comfortable with? My opinion is that a fundamental shift in priorities is long overdue. $2,300 per month is a lot of money, and certainly a lot for routine care what I think of woith routine care. $2,300 a month for access to life saving treatment and care seems like a pretty good deal, especially relative to some of the other things people (myself included) spend money on.

I was discussing auto-correct with 4th yesterday. Apparently, there are documented cases of a post being auto-corrected to words that don’t actually exist. Could be the deal here. Advanced AI. P2025. 51st State Stuff. It’s dietrobical. Edit: I didn’t type dietrobical. I typed dietrobical. Edit: I didn’t type dietrobical. I mean, I did the second time, but only to say I didn’t type it the first time, or the third. The whole thing is dietrobical. Edit: Damn it!!

You sound like Eddie Haskell lecturing the Beav and Larry Mondello, knowing Mrs. Cleaver is listening just around the corner….

What was your monthly cost for your plan….and is it a single or family plan?

His thread title: Just. Imagine. If. This. Was. Hunter. Biden. My response: ….if I was to imagine this was Hunter Biden…. His response: 🤯 Tedious. Devoid of value. But you knew all that.

Oh, gosh, my auto correct changed my words too. I initially typed how brave it was for you to expose your intellectual vulnerabilities while at the same time revealing your own prodigious bigotry.

Leon is proof that in spite of overwhelming evidence to the contrary, not all Head is good head. “We all know you can go places and fine China Town etc.” Perfect, or as you might say, “Perr Fickt”.

Good call, sir.