You haven't experienced the full brunt of the health insurance insanity in the US until you've had to buy insurance from a marketplace.

If you don't need medical care, ever, then it is easy to figure out what to buy.

However, if you are a real person, who does need medical care, then you need a fucking crystal ball.

I currently have a plan. It works well for me. Is it expensive? Yes. But if I switch plans, there's no telling how much I'm going to have to pay under the new plan. The estimates presented by the marketplace are for textbook cases. I'm not a textbook care, and have never been a textbook case.

Yes, I looked at my EOBs... what my insurance pays is based on a discount they've negotiated... What's to say that the next insurance company is going to have as good or better a discount?

It's shit.

Complete and utter shit.

Insanity on a gigantic scale.

#insanity #USHealthInsurance #HealthInsurance #shit #kafkaesque

'tis the season!

What season?

Open season, during which we, wretched citizens of the US, can change healthcare insurance plans.

Double the fun if you are a freelancer who has to pick a plan in the marketplace.

I've been looking at methods and advice to pick the best plan. It boils down to "have a crystal ball that will tell you how much care you'll need next year."

The advice I get is about as good as the advice given in this skit:

https://youtu.be/tNfGyIW7aHM?si=TifPLGfsFG7HAjS-

#OpenSeason #USHealthInsurance #madness #MontyPython #HowToDoIt

I had an interest in checking out the Sequel Twiist AID system, but couldn't get a clear answer on coverage.

Welp, my pharmacy benefit shows to not cover it. At all.

Weirdly, it also says PA required.

I'm curious if this is how they're shuffling the coverage back to medical for plans where deductible and max OOP apply to pharmacy stuff as well. Which... I'm not sure if mine does.

If it sounds weird because why not just put it on medical, the company gets paid either way, it's because your employer can provide these coverages a la cart. This would be trying to shuffle the coverage to an entirely different company if they tried to push it onto medical in a weird roundabout way.

#Diabetes #USHealthInsurance #SequelTwiist #InsulinPump

Find Out Why Health Insurance Denied Your Claim – @etakeh on Tumblr

https://blog.taursnd.haus/display/1a041b09-9667-982d-7e44-6f7079875305

It would be something if thousands of people showed up outside insurance headquarters dressed as Luigi on Mario Day (Mar 10, sorry Nintendo) to let insurers know they’re being watched.

Not advocating for violence, of course, but it’d be something.

#USHealthInsurance #Luigi #USHealthcare #Mar10Day

Definitely worth a listen.
#USHealthInsurance
#BillOfTheMonth

“The goal was to understand how the U.S. health care system generates outsize bills and to empower patients with strategies to avoid them. We asked readers and listeners to submit their bills — and they kept coming. ‘Bill of the Month’ has received nearly 10,000 submissions, each a picture of a health system's dysfunction and the financial burden it places on the patients.” - Elizabeth Rosenthal
https://www.npr.org/sections/shots-health-news/2024/12/20/nx-s1-5220218/medical-bills-series-high-health-costs

"UnitedHealth Group CEO addresses Brian Thompson death, says health-care system is ‘flawed’"

Flawed???

Flawed???

Our healthcare system is a fucking joke! When is it going to sink in?

https://www.cnbc.com/2024/12/13/unitedhealth-group-ceo-andrew-witty-addresses-brian-thompson-death.html

#USNews #USHealthcare #USHealthInsurance #UnitedHealth