Medical Insurance deductible - what's the average in our trade?

[neurosis]

It makes the average cost look better, which is what is used to sell it. If 10 people have health insurance and 5 of them are paying $1000 and 5 of them are paying nothing the average cost is only $500. Simple math really.

That changes the cost that certain people are paying, but it doesn't change the cost of premiums. 

[CNCAppsJames]

@YoDoug in 2014, one of my sons started getting sick. He had ALL the symptoms of Diabetes. He'd been sick for almost 2 weeks. My wife took him in to see his doctor. Doc was out that day so his PA looked at my boy. The idiot didn't look at or consider one physical symptom... she kept pushing a "mental health"  problem. My wife was in there with him during the appointment and told her about his "sweet breath". In case you guys don't know, that is THE #1 classic symptom for diabetes. Takes 1 minute to do a quick glucose check. Idiot. Fast forward 16 hours, my wife takes him to the ER. I meet them there. Finally gets to triage...a doctor WALKS BY... smells his breath and rushes him in. Does a quick check, the meter won't register because it's too high. Rush his blood to the lab... 725 was the number. That idiot PA almost killed my kid. I told her boss about her incompetence. She got fired shortly after. My guess... she was known to be incompetent, this was the final straw.

When an ER DOC tells you "... you have a VERY sick son here, we're foing to get him into ICU and hope for the best."... pretty sobering.

YOU are your best medical advocate. You have to be. You can't let them push bullshit on you. Congrats to yiur wife for getting her records and advocating for herself.

Certain people here believe doctors walk on water... these water walkers kill nearly 300,000 people per year due to incompetence. Never forget that.

[neurosis]

Certain people here believe doctors walk on water... these water walkers kill nearly 300,000 people per year due to incompetence. Never forget that.

How many people die a year because they don't trust their doctors? 

[CNCAppsJames]

How many people die a year because they don't trust their doctors? 

Fair question. Probably no REAL way to know. 

The reality is moat people only go to the doctor when they are sick. They don't get annual checkups so the doctor has no real baseline to look at for how you are supposed to be. He has no idea what your various blood panel looks like so he/she has an incomplete picture. Due to our 11 years of active Scouting, the boys had to get annual physicals in order to participate in our high adventure activities and summer camps. Our doctors have a more complete picture. or better than most.

That said, I still believe we should have a certain amount of skepticism of them IMHO because after all they are human and do make mistakes, or because the human machine is so unique from one individual to another that what kills one could make another stronger.

Back to my son, clearly this woman had an agenda which was; 16 year old male suffers from depression. Must be mental health related. Those physical symptoms... those are not the droids you're looking for. He's depressed so we must treat that first.

how about he was depressed because he felt like shit. He felt like shit because his pancreas quit producing insulin a week an a half ago and has teenage onset Diabetes #ThanksMonster ... but... but.... but... muh depression diagnosis matters most. 

[ghuns]

How many people die a year because they don't trust their doctors? 

As James said, that number is unknowable.

But the number who die that do trust their doctors is knowable and very large.


The third-leading cause of death in US most doctors don't want you to know about

Doctors are just like toolmakers, machinists, programmers, auto mechanics, carpenters, etc. There is a basic level of competence required to do the job, obtain licensing, and call yourself a whatever. We all know people in our trade that hover around that basic level of competence and never move beyond it. Docs are the same. The demand for docs is high and the supply is low. Those low achievers are tolerated, just like they are in our trade, because they aren't easily replaced.

[Tim Johnson]

Was there a spike in health care premiums after obamacare?  According to KFF the individual premium increase has been pretty consistent since the 90's. Assuming I am reading the chart right?

https://www.kff.org/report-section/ehbs-2022-section-1-cost-of-health-insurance/#figure112


I assumed that the combination of implementing the ACA and then the Republicans doing everything they could to destroy it would have caused a massive spike but I don't see that in the chart?

Did that chart tell you how Obamacare came about?

Obamacare was dead due to a Democrat Nebraska Senator voting no to the bill. Obama told him he would add a stipulation that Nebraska would be stated as not being included if he would vote for the bill and then he did. After the bill was passed Obama filed suit that stated that it would be illegal for Nebraska to not be included do to the bill being a bill passed through the US House of representatives and the US Senate. The court agreed.

[HTM01]

i remember back in about 1980 my neighbor was a union rep and he was fighting the company wanting to charge
the workers $.50/week for insurance and he was telling me "if they ever get this started it will never end and we'll be paying out the ass"

[YoDoug]

Certain people here believe doctors walk on water... these water walkers kill nearly 300,000 people per year due to incompetence. Never forget that.

Not only that, I hear so many people that absolutely refuse to admit how much sway big pharma has over doctors and hospitals.

[Del.]

How many people die a year because they don't trust their doctors? 

3?

[Ron]

For three of us, My 21 yr old son, my wife and myself:
5000 per person/15,000 household per year.

That's on top of $386/WEEK premium

[JParis]

For three of us, My 21 yr old son, my wife and myself:
5000 per person/15,000 household per year.

That's on top of $386/WEEK premium

THAT is jaw dropping!!!

[Smit]

For three of us, My 21 yr old son, my wife and myself:
5000 per person/15,000 household per year.

That's on top of $386/WEEK premium

That's crazy. Do you get your insurance thru work?

[crazy^millman]

THAT is jaw dropping!!!

$3,400 a month for a family of 5. Part of running and having my own business in the State of California.

[BrianP.]

@YoDoug in 2014, one of my sons started getting sick. He had ALL the symptoms of Diabetes. He'd been sick for almost 2 weeks. My wife took him in to see his doctor. Doc was out that day so his PA looked at my boy. The idiot didn't look at or consider one physical symptom... she kept pushing a "mental health"  problem. My wife was in there with him during the appointment and told her about his "sweet breath". In case you guys don't know, that is THE #1 classic symptom for diabetes. Takes 1 minute to do a quick glucose check. Idiot. Fast forward 16 hours, my wife takes him to the ER. I meet them there. Finally gets to triage...a doctor WALKS BY... smells his breath and rushes him in. Does a quick check, the meter won't register because it's too high. Rush his blood to the lab... 725 was the number. That idiot PA almost killed my kid. I told her boss about her incompetence. She got fired shortly after. My guess... she was known to be incompetent, this was the final straw.

When an ER DOC tells you "... you have a VERY sick son here, we're foing to get him into ICU and hope for the best."... pretty sobering.

YOU are your best medical advocate. You have to be. You can't let them push bullshit on you. Congrats to yiur wife for getting her records and advocating for herself.

Certain people here believe doctors walk on water... these water walkers kill nearly 300,000 people per year due to incompetence. Never forget that.

You have to be involved. Doctors today are pushed to see as many patients as they can jam in. Had a good primary care doctor who quit because of this.

I've been dealing for 3-1/2 years trying to get my condition under control. Looks like the 5th drug is working for my UC but we may have damaged my adrenal glands. I was at the doctor's yesterday and we came up with a course of action. I told him it was exactly what I thought. Maybe I should have been a doctor. He told me sometimes patients know there condition better than the doctors because you live it.

How someone thinks your story is funny is pretty messed up.

[beej]

We have 5000 ded. /person  10,000 out of pocket, but we carry a secondary insurance that covers the deductible. So if we have any in patient care the cost is free. Out patient procedures have a 1000 deductible. It comes through a Chamber of Commerce coalition to get it cheaper