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Post by jubilantsquirrel on Mar 18, 2019 18:29:36 GMT -6
Also, I was always under the impression that I had to pat out of pocket for any service that wasn't preventive because that's what I was told, but under the PPO plan I rarely paid the entire bill out of pocket. Premera usually covered a good chunk, if not all.
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Post by jubilantsquirrel on Mar 18, 2019 18:31:20 GMT -6
I also no longer pay for my thyroid meds. They're cheap $8-10 for a 30 day supply, but i guess they're fully covered under the HD plan.
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starbuck
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Mar 18, 2019 18:31:39 GMT -6
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Post by starbuck on Mar 18, 2019 18:31:39 GMT -6
So, my co-worker and I usually walk together for our morning break and our lunch break. She IMd me just before lunch saying she wouldn't be able to make it. I figured she had a meeting or something, truly no big deal. But then I'm on my walk and I see her sitting on a curb talking to some dude next to his Comcast van! Rude. The 13 year old in me is very offended. I'm actually not mad at all and she isn't required to tell me why she couldn't/didn't want to walk. I just thought it was fun that my first reaction when I saw her was "gasp! She ditched me for a BOY?!" Was he at least cute? |
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Post by jubilantsquirrel on Mar 18, 2019 18:32:19 GMT -6
So, my co-worker and I usually walk together for our morning break and our lunch break. She IMd me just before lunch saying she wouldn't be able to make it. I figured she had a meeting or something, truly no big deal. But then I'm on my walk and I see her sitting on a curb talking to some dude next to his Comcast van! Rude. The 13 year old in me is very offended. I'm actually not mad at all and she isn't required to tell me why she couldn't/didn't want to walk. I just thought it was fun that my first reaction when I saw her was "gasp! She ditched me for a BOY?!" Was he at least cute? No! That's the worst part! He was some balding 40 year old with bad facial hair. |
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kleigh
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Mar 18, 2019 18:32:28 GMT -6
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Post by kleigh on Mar 18, 2019 18:32:28 GMT -6
That’s shitty jubilantsquirrel . You could actually probably fight it based on the misleading presentation/description... and hey would consider putting you back on the other plan. However, it would likely be retroactive to the first day of your plan year (January 1) and they’d want to charge you the back due difference in premium, so likely no worth it. I’m tying to imagine why both plans would’ve stated it that way so let us know what they say. |
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kleigh
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Mar 18, 2019 18:33:46 GMT -6
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Post by kleigh on Mar 18, 2019 18:33:46 GMT -6
I also no longer pay for my thyroid meds. They're cheap $8-10 for a 30 day supply, but i guess they're fully covered under the HD plan. Some HSA plans carve out preventive medicine and do pay it at 100%.. which is smart bc don’t we want to prevent a bigger issue lol... yet most HSA plans around here do not do it. |
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kleigh
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Mar 18, 2019 18:36:22 GMT -6
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Post by kleigh on Mar 18, 2019 18:36:22 GMT -6
jubilantsquirrel You can also try asking the speech pathologist abou self-pay (cash pay).. this would be the rate as if you didn’t have insurance. Some places (think ER) charge less based on sliding scale income etc. Yet you could still use HSA dollars for those bills. They just wouldn’t accumulate toward your plan deductible and OOP.
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Post by jubilantsquirrel on Mar 18, 2019 18:36:30 GMT -6
That’s shitty jubilantsquirrel . You could actually probably fight it based on the misleading presentation/description... and hey would consider putting you back on the other plan. However, it would likely be retroactive to the first day of your plan year (January 1) and they’d want to charge you the back due difference in premium, so likely no worth it. I’m tying to imagine why both plans would’ve stated it that way so let us know what they say. If I remember tomorrow I'll see if I can screen shot the info in SC. But the services that are covered say "copay only" or something like that. The speech section (outpatient rehab, occupational therapy, physical therapy, speech) said what I posted above about the deductible. They do cover is evaluations though. Which is also confusing. |
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Post by jubilantsquirrel on Mar 18, 2019 18:37:17 GMT -6
I also no longer pay for my thyroid meds. They're cheap $8-10 for a 30 day supply, but i guess they're fully covered under the HD plan. Some HSA plans carve out preventive medicine and do pay it at 100%.. which is smart bc don’t we want to prevent a bigger issue lol... yet most HSA plans around here do not do it. I think this is what mine does. Idk man. |
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starbuck
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Mar 18, 2019 18:38:12 GMT -6
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Post by starbuck on Mar 18, 2019 18:38:12 GMT -6
No! That's the worst part! He was some balding 40 year old with bad facial hair. I was looking for a funny cringe gif and stumbled upon a gif of a woman sticking her pinkies UNDERNEATH HER CLOSED EYELIDS AND RUBBING THEM AROUND. NOW I WISH I WAS DEAD. |
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kleigh
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Mar 18, 2019 18:38:13 GMT -6
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Post by kleigh on Mar 18, 2019 18:38:13 GMT -6
That’s shitty jubilantsquirrel . You could actually probably fight it based on the misleading presentation/description... and hey would consider putting you back on the other plan. However, it would likely be retroactive to the first day of your plan year (January 1) and they’d want to charge you the back due difference in premium, so likely no worth it. I’m tying to imagine why both plans would’ve stated it that way so let us know what they say. If I remember tomorrow I'll see if I can screen shot the info in SC. But the services that are covered say "copay only" or something like that. The speech section (outpatient rehab, occupational therapy, physical therapy, speech) said what I posted above about the deductible. They do cover is evaluations though. Which is also confusing. Insurance is also definitely regional to a degree and I’ve never touched a plan in your area so who knows how they are operating this.. it’s weird that certain services they are covering 100% and others are being subjec to deductible. |
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Post by jubilantsquirrel on Mar 18, 2019 18:48:13 GMT -6
If I remember tomorrow I'll see if I can screen shot the info in SC. But the services that are covered say "copay only" or something like that. The speech section (outpatient rehab, occupational therapy, physical therapy, speech) said what I posted above about the deductible. They do cover is evaluations though. Which is also confusing. Insurance is also definitely regional to a degree and I’ve never touched a plan in your area so who knows how they are operating this.. it’s weird that certain services they are covering 100% and others are being subjec to deductible. And I think Premera is based out the Seattle area, too, so IDK if it's a company you would ever work with. I'm not smart enough for this shit. |
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danib
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Post by danib on Mar 19, 2019 4:18:42 GMT -6
No! That's the worst part! He was some balding 40 year old with bad facial hair. I was looking for a funny cringe gif and stumbled upon a gif of a woman sticking her pinkies UNDERNEATH HER CLOSED EYELIDS AND RUBBING THEM AROUND. NOW I WISH I WAS DEAD.  |
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Post by jubilantsquirrel on Mar 19, 2019 7:31:15 GMT -6
No! That's the worst part! He was some balding 40 year old with bad facial hair. I was looking for a funny cringe gif and stumbled upon a gif of a woman sticking her pinkies UNDERNEATH HER CLOSED EYELIDS AND RUBBING THEM AROUND. NOW I WISH I WAS DEAD. No. |
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Post by jubilantsquirrel on Mar 19, 2019 7:32:02 GMT -6
So I just got off the phone with our benefits people and good god they are useless. But anyway, I have to meet the $3000 deductible before the coinsurance takes place which means we'll be pulling Jonah from speech.
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tgrimes
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Post by tgrimes on Mar 19, 2019 10:01:45 GMT -6
So I just got off the phone with our benefits people and good god they are useless. But anyway, I have to meet the $3000 deductible before the coinsurance takes place which means we'll be pulling Jonah from speech. Shit. I’m sorry. |
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waitwhat
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Mar 19, 2019 12:05:54 GMT -6
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Post by waitwhat on Mar 19, 2019 12:05:54 GMT -6
So I just got off the phone with our benefits people and good god they are useless. But anyway, I have to meet the $3000 deductible before the coinsurance takes place which means we'll be pulling Jonah from speech. ugh oh no. I’m sorry! |
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kleigh
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Mar 19, 2019 13:28:43 GMT -6
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Post by kleigh on Mar 19, 2019 13:28:43 GMT -6
So I just got off the phone with our benefits people and good god they are useless. But anyway, I have to meet the $3000 deductible before the coinsurance takes place which means we'll be pulling Jonah from speech. Fuck. I’m so sorry |
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Post by jubilantsquirrel on Mar 19, 2019 13:32:54 GMT -6
So I just got off the phone with our benefits people and good god they are useless. But anyway, I have to meet the $3000 deductible before the coinsurance takes place which means we'll be pulling Jonah from speech. Fuck. I’m so sorry I'm just really mad at myself for not doing my homework before I changed plans. Lesson learned, that's for sure. |
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