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Originally Posted by JARblue Can someone please explain to me the purpose of a $5000 deductible?!? What's that? You can't? Didn't think so... Yeah, so apparently my wife's new company

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Old 10-24-2012, 12:33 PM   #1 (permalink)
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Can someone please explain to me the purpose of a $5000 deductible?!? What's that? You can't? Didn't think so...

Yeah, so apparently my wife's new company has the worst fvcking insurance policy available. Facility is going to charge $2K and the Dr costs nearly $3K to do the surgery - just short of our deductible. We just got Christmas is canceled!
that sucks hard!
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Old 10-24-2012, 12:40 PM   #2 (permalink)
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that sucks hard!
That's life.... just gotta roll with the punches. Those low blows are BRUTAL sometimes

When she called me and said $5K deductible, I was literally speechless. I already called our insurance broker, and she found better coverage for no more money with $1500 deductible. I will be switching her over as soon as possible. That corporate policy her company has is complete garbage after looking at it. Guess I should have done that in the first place.
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Old 10-24-2012, 12:43 PM   #3 (permalink)
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Originally Posted by JARblue View Post
Can someone please explain to me the purpose of a $5000 deductible?!? What's that? You can't? Didn't think so...

Yeah, so apparently my wife's new company has the worst fvcking insurance policy available. Facility is going to charge $2K and the Dr costs nearly $3K to do the surgery - just short of our deductible. We just got Christmas is canceled!
$5000 deductable…???

That's like a policy that pays virtually nothing………
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Old 10-24-2012, 12:46 PM   #4 (permalink)
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$5000 deductable…???

That's like no insurance coverage but have a monthly payment bill.....
No $hit! Her company pays for it, so we're not getting shafted as much as we could have been. But when we get her off that plan, her company will reimburse us for up to the amount they currently pay. And we'll get significantly better coverage.

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nice ninja edit Mr. Alcheng - I went ahead and fix't the emote icon for you
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Old 10-24-2012, 01:09 PM   #5 (permalink)
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No $hit! Her company pays for it, so we're not getting shafted as much as we could have been. But when we get her off that plan, her company will reimburse us for up to the amount they currently pay. And we'll get significantly better coverage.

( Click to show/hide )
nice ninja edit Mr. Alcheng - I went ahead and fix't the emote icon for you

Sounds like a good plan for you and Mrs.

I always question the intention of 'deductable', if they(insurance) gonna pay… just pay... where they just pay with a deductable, we should have a deductable on our premium…!!!

on the edit.... on my cell phone... and I have to key-in the emoticon.... lol
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Old 10-24-2012, 01:09 PM   #6 (permalink)
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Originally Posted by JARblue View Post
Can someone please explain to me the purpose of a $5000 deductible?!? What's that? You can't? Didn't think so...

Yeah, so apparently my wife's new company has the worst fvcking insurance policy available. Facility is going to charge $2K and the Dr costs nearly $3K to do the surgery - just short of our deductible. We just got Christmas is canceled!
This sounds like the plan I was on when I had my surgery. Was not company insurance at the time, but at $137/month, it was the best I could afford. I can't remember the full total of my surgery but I'm fairly certain that I paid it all out of pocket and the insurance paid jack ****. Work out a payment plan in advance with the Dr and facility.
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Old 10-24-2012, 01:52 PM   #7 (permalink)
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This sounds like the plan I was on when I had my surgery. Was not company insurance at the time, but at $137/month, it was the best I could afford. I can't remember the full total of my surgery but I'm fairly certain that I paid it all out of pocket and the insurance paid jack ****. Work out a payment plan in advance with the Dr and facility.
Hello honey~~~~

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Old 10-24-2012, 02:05 PM   #8 (permalink)
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Sounds like a good plan for you and Mrs.

I always question the intention of 'deductable', if they(insurance) gonna pay… just pay... where they just pay with a deductable, we should have a deductable on our premium…!!!

on the edit.... on my cell phone... and I have to key-in the emoticon.... lol
I LOVE the premium deductible idea, Mr. Alcheng!

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Originally Posted by Pintsize725 View Post
This sounds like the plan I was on when I had my surgery. Was not company insurance at the time, but at $137/month, it was the best I could afford. I can't remember the full total of my surgery but I'm fairly certain that I paid it all out of pocket and the insurance paid jack ****. Work out a payment plan in advance with the Dr and facility.

For $137/month I might have expected a ridiculous deductible. However, we're in the $350/month range! No way should it be over $2K. But apparently, standard practice in the insurance biz is to assume every female in their early 30s is pregnant

Sorry to hear about your co-worker. I can empathize.
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Old 10-24-2012, 03:42 PM   #9 (permalink)
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Originally Posted by JARblue View Post
Can someone please explain to me the purpose of a $5000 deductible?!? What's that? You can't? Didn't think so...

Yeah, so apparently my wife's new company has the worst fvcking insurance policy available. Facility is going to charge $2K and the Dr costs nearly $3K to do the surgery - just short of our deductible. We just got Christmas is canceled!
wtf bro...

corporate insurance is garbage...



as much as people talk **** about tricare, I fucking love it!
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Old 10-24-2012, 04:27 PM   #10 (permalink)
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ahmuhgurd... lol I am so bored...
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Old 10-24-2012, 05:45 PM   #11 (permalink)
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ahmuhgurd... lol I am so bored...
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Old 10-24-2012, 05:49 PM   #12 (permalink)
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Old 10-24-2012, 05:51 PM   #13 (permalink)
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Old 10-24-2012, 05:55 PM   #14 (permalink)
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Old 10-24-2012, 05:59 PM   #15 (permalink)
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