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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
personalfinance | z2y6v5 | Hi all,
I’ve recently gotten into a new job on a yearly salary of £21k a year, with this new job it’s more a commute daily so it would be nicer to have a slightly newer car that can suit my daily needs better, however I’m finding it difficult to find the limit of what I can afford and what boxes I want to tick.
Wit... | What car can I afford on my salary? | e57c033830f841b7947fff36fd540ec4 | bd8cad68f9b845519b134709792c5f14 | 1,669,241,093 | 1,669,243,555 | 4 | 19 | I recommend that you stick with your car if it isn’t giving you trouble. Cars are money pits; gas, insurance, maintenance, and depreciation will eat at your net worth.
What do you currently drive, what don’t you like about it, and what needs are you looking to address with a new car?
If you’re making £21k per year, ... | If you have to ask, you need to keep your existing car. At £21k a year, you cannot afford a new car.
| 0 | 0.152174 | 2,462 | 4.75 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 821d56ec63d04d6d81930654c82f341f | b9a47762da9643d8bffbe6af6bfc47fb | 1,449,594,575 | 1,449,597,791 | 30 | 89 | So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.09396 | 3,216 | 2.966667 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | 2547388708934be88529f84826636414 | 1,449,599,960 | 1,449,604,803 | 4 | 89 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.056 | 4,843 | 22.25 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | c81363b940d14650978e395990e13deb | 1,449,599,960 | 1,449,607,544 | 4 | 30 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.105634 | 7,584 | 7.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | 905d4af35efa4deda8d36aba6e59c946 | 1,449,599,960 | 1,449,609,309 | 4 | 89 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.056 | 9,349 | 22.25 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | a610b394b25549f28b2527e28831a65d | 1,449,599,960 | 1,449,612,087 | 4 | 30 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.105634 | 12,127 | 7.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | e2fadf7257264f8e861bc72aa4eda46c | 1,449,599,960 | 1,449,612,667 | 4 | 89 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.056 | 12,707 | 22.25 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | 1ebb753cdcb64ffca7eb94aa87a13caa | 1,449,599,960 | 1,449,614,917 | 4 | 30 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.105634 | 14,957 | 7.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | d38d43156c39400baf3a5c77d90705b0 | 1,449,599,960 | 1,449,620,379 | 4 | 89 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.056 | 20,419 | 22.25 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | 4872b2ab592b4dce9fe9eba930c2e3cc | 1,449,599,960 | 1,449,623,052 | 4 | 30 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.105634 | 23,092 | 7.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | 38d4f3dae6204bc5a9665fdd2145c715 | 1,449,599,960 | 1,449,628,942 | 4 | 89 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.056 | 28,982 | 22.25 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | 925468a5843047aaa06c3ded464d795b | 1,449,599,960 | 1,449,634,140 | 4 | 6 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | 0 | 0.142857 | 34,180 | 1.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | 1a210bb66fd54b0489880b7a96e8d8c6 | 1,449,599,960 | 1,449,649,503 | 4 | 23 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | I was under the impression that all plans are now required to have a 1-page summary sheet available that shows most of the important information. I'd start by looking for those online.
| 0 | 0.012821 | 49,543 | 5.75 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | 11e024a68a0549e2bd8862c7cb2956f3 | 1,449,599,960 | 1,449,657,429 | 4 | 89 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.056 | 57,469 | 22.25 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | 8d3e030ab295444ab7d43f2310d9f87a | 1,449,599,960 | 1,449,669,633 | 4 | 6 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | 0 | 0.142857 | 69,673 | 1.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | 5cfa505ea8b340f58801cd0837356150 | 1,449,599,960 | 1,449,670,935 | 4 | 22 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | I'm an MD and I don't understand either side (insurance/medicare wise) of this cluster fuck we call healthcare. Whatever happened to just paying for a service? Now we employ armies of coders etc in order to extract a partial payment from the insurance who say we are owed more than we'd bill straight out. By a wide marg... | 0 | 0.095238 | 70,975 | 5.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | 86503a01ca904fdcb150b82707fa1929 | 1,449,599,960 | 1,449,673,406 | 4 | 89 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.056 | 73,446 | 22.25 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | 5775ed3ac0ac4e1b96c653da6ec1514d | 1,449,599,960 | 1,449,685,978 | 4 | 30 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.105634 | 86,018 | 7.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | 728fcd7b3eeb457a9fdb5dd922d7265d | 1,449,599,960 | 1,449,700,551 | 4 | 14 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | All i know is we pay 750 a month for health, vision, and dental. Thats for my wife, myself, and our one kid. Also it goes up every year, which is just stupid. Its just another bill the working class have to pay for.
Also I really enjoyed your rant, and let this be known you are not alone when it comes to this shit. Th... | 0 | 0.072727 | 100,591 | 3.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | f30872096e8249b381e0eb56bf26ae03 | 1,449,599,960 | 1,449,702,799 | 4 | 6 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | 0 | 0.142857 | 102,839 | 1.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | 1aa6fb40e7fd464491a6945588309564 | 1,449,599,960 | 1,449,778,154 | 4 | 8 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Who are the vision providers who cover any part of lasik?
My wife works in healthcare and has access to just about any provider we want.
I shopped around every single one and was laughed off the phone when I asked if or how much of Lasik they would cover.
| 0 | 0.038961 | 178,194 | 2 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | e64b4827c8c3450bbd6c97b8d1320b12 | 1,449,599,960 | 1,449,940,763 | 4 | 5 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | I have no help to offer but I just do the following:
Pick *some* insurance, it seems pretty clear having none is bad and illegal. As far as I can tell there is *no* way to tell what will or won't be covered, before or after you've gotten it. They are so poorly worded and there are so many fine prints and gotchas tha... | 0 | 0.089552 | 340,803 | 1.25 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 6e5ba01fe09f4b309586ec740fc18610 | 58dcb406a703459c9fd91012b567f39c | 1,449,599,960 | 1,450,130,143 | 4 | 89 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.056 | 530,183 | 22.25 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | 34f7e95b9bbc45678e7f0e89aa9a0250 | 1,449,605,214 | 1,449,606,462 | 2 | 89 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.037975 | 1,248 | 44.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | c81363b940d14650978e395990e13deb | 1,449,605,214 | 1,449,607,544 | 2 | 30 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.028846 | 2,330 | 15 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | 905d4af35efa4deda8d36aba6e59c946 | 1,449,605,214 | 1,449,609,309 | 2 | 89 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.037975 | 4,095 | 44.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | a610b394b25549f28b2527e28831a65d | 1,449,605,214 | 1,449,612,087 | 2 | 30 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.028846 | 6,873 | 15 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | e2fadf7257264f8e861bc72aa4eda46c | 1,449,605,214 | 1,449,612,667 | 2 | 89 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.037975 | 7,453 | 44.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | 1ebb753cdcb64ffca7eb94aa87a13caa | 1,449,605,214 | 1,449,614,917 | 2 | 30 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.028846 | 9,703 | 15 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | d38d43156c39400baf3a5c77d90705b0 | 1,449,605,214 | 1,449,620,379 | 2 | 89 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.037975 | 15,165 | 44.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | 4872b2ab592b4dce9fe9eba930c2e3cc | 1,449,605,214 | 1,449,623,052 | 2 | 30 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.028846 | 17,838 | 15 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | 38d4f3dae6204bc5a9665fdd2145c715 | 1,449,605,214 | 1,449,628,942 | 2 | 89 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.037975 | 23,728 | 44.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | 925468a5843047aaa06c3ded464d795b | 1,449,605,214 | 1,449,634,140 | 2 | 6 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | 0 | 0.026316 | 28,926 | 3 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | 1a210bb66fd54b0489880b7a96e8d8c6 | 1,449,605,214 | 1,449,649,503 | 2 | 23 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| I was under the impression that all plans are now required to have a 1-page summary sheet available that shows most of the important information. I'd start by looking for those online.
| 0 | 0.035714 | 44,289 | 11.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | 11e024a68a0549e2bd8862c7cb2956f3 | 1,449,605,214 | 1,449,657,429 | 2 | 89 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.037975 | 52,215 | 44.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | 8d3e030ab295444ab7d43f2310d9f87a | 1,449,605,214 | 1,449,669,633 | 2 | 6 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | 0 | 0.026316 | 64,419 | 3 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | 5cfa505ea8b340f58801cd0837356150 | 1,449,605,214 | 1,449,670,935 | 2 | 22 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| I'm an MD and I don't understand either side (insurance/medicare wise) of this cluster fuck we call healthcare. Whatever happened to just paying for a service? Now we employ armies of coders etc in order to extract a partial payment from the insurance who say we are owed more than we'd bill straight out. By a wide marg... | 0 | 0.02439 | 65,721 | 11 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | b0fab35fd959454db8ce3def9de4a6a4 | 1,449,605,214 | 1,449,672,592 | 2 | 4 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | 0 | 0.027027 | 67,378 | 2 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | 86503a01ca904fdcb150b82707fa1929 | 1,449,605,214 | 1,449,673,406 | 2 | 89 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.037975 | 68,192 | 44.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | 5775ed3ac0ac4e1b96c653da6ec1514d | 1,449,605,214 | 1,449,685,978 | 2 | 30 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.028846 | 80,764 | 15 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | 728fcd7b3eeb457a9fdb5dd922d7265d | 1,449,605,214 | 1,449,700,551 | 2 | 14 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| All i know is we pay 750 a month for health, vision, and dental. Thats for my wife, myself, and our one kid. Also it goes up every year, which is just stupid. Its just another bill the working class have to pay for.
Also I really enjoyed your rant, and let this be known you are not alone when it comes to this shit. Th... | 0 | 0.030303 | 95,337 | 7 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | f30872096e8249b381e0eb56bf26ae03 | 1,449,605,214 | 1,449,702,799 | 2 | 6 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | 0 | 0.026316 | 97,585 | 3 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | 1aa6fb40e7fd464491a6945588309564 | 1,449,605,214 | 1,449,778,154 | 2 | 8 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| Who are the vision providers who cover any part of lasik?
My wife works in healthcare and has access to just about any provider we want.
I shopped around every single one and was laughed off the phone when I asked if or how much of Lasik they would cover.
| 0 | 0.034483 | 172,940 | 4 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | e64b4827c8c3450bbd6c97b8d1320b12 | 1,449,605,214 | 1,449,940,763 | 2 | 5 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| I have no help to offer but I just do the following:
Pick *some* insurance, it seems pretty clear having none is bad and illegal. As far as I can tell there is *no* way to tell what will or won't be covered, before or after you've gotten it. They are so poorly worded and there are so many fine prints and gotchas tha... | 0 | 0.021277 | 335,549 | 2.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4c029dddd88c413f95c55c6ed926dac1 | 58dcb406a703459c9fd91012b567f39c | 1,449,605,214 | 1,450,130,143 | 2 | 89 | Use the OPM comparison tool, this isn't hard and the feds have a MUCH better process than everywhere I've worked in private industry.
| Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.037975 | 524,929 | 44.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | c81363b940d14650978e395990e13deb | 905d4af35efa4deda8d36aba6e59c946 | 1,449,607,544 | 1,449,609,309 | 30 | 89 | So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.09396 | 1,765 | 2.966667 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | ee90a820d765449fbf5386193ba6acb0 | d38d43156c39400baf3a5c77d90705b0 | 1,449,618,704 | 1,449,620,379 | 2 | 89 | Fed here. I know you are frustrated, but honestly, you have dozens of plans to choose from and the gov picks up a big part of that tab. I know you don't feel like it, but you're lucky. So, here's my recommendation - I picked the same except the self option, as I don't have anyone. Pick GEHA 342 for healthcare and G... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.090226 | 1,675 | 44.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | ee90a820d765449fbf5386193ba6acb0 | 4872b2ab592b4dce9fe9eba930c2e3cc | 1,449,618,704 | 1,449,623,052 | 2 | 30 | Fed here. I know you are frustrated, but honestly, you have dozens of plans to choose from and the gov picks up a big part of that tab. I know you don't feel like it, but you're lucky. So, here's my recommendation - I picked the same except the self option, as I don't have anyone. Pick GEHA 342 for healthcare and G... | So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.096774 | 4,348 | 15 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | ee90a820d765449fbf5386193ba6acb0 | 38d4f3dae6204bc5a9665fdd2145c715 | 1,449,618,704 | 1,449,628,942 | 2 | 89 | Fed here. I know you are frustrated, but honestly, you have dozens of plans to choose from and the gov picks up a big part of that tab. I know you don't feel like it, but you're lucky. So, here's my recommendation - I picked the same except the self option, as I don't have anyone. Pick GEHA 342 for healthcare and G... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.090226 | 10,238 | 44.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | ee90a820d765449fbf5386193ba6acb0 | 925468a5843047aaa06c3ded464d795b | 1,449,618,704 | 1,449,634,140 | 2 | 6 | Fed here. I know you are frustrated, but honestly, you have dozens of plans to choose from and the gov picks up a big part of that tab. I know you don't feel like it, but you're lucky. So, here's my recommendation - I picked the same except the self option, as I don't have anyone. Pick GEHA 342 for healthcare and G... | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | 0 | 0.068182 | 15,436 | 3 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | ee90a820d765449fbf5386193ba6acb0 | 1a210bb66fd54b0489880b7a96e8d8c6 | 1,449,618,704 | 1,449,649,503 | 2 | 23 | Fed here. I know you are frustrated, but honestly, you have dozens of plans to choose from and the gov picks up a big part of that tab. I know you don't feel like it, but you're lucky. So, here's my recommendation - I picked the same except the self option, as I don't have anyone. Pick GEHA 342 for healthcare and G... | I was under the impression that all plans are now required to have a 1-page summary sheet available that shows most of the important information. I'd start by looking for those online.
| 0 | 0.033708 | 30,799 | 11.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | ee90a820d765449fbf5386193ba6acb0 | 11e024a68a0549e2bd8862c7cb2956f3 | 1,449,618,704 | 1,449,657,429 | 2 | 89 | Fed here. I know you are frustrated, but honestly, you have dozens of plans to choose from and the gov picks up a big part of that tab. I know you don't feel like it, but you're lucky. So, here's my recommendation - I picked the same except the self option, as I don't have anyone. Pick GEHA 342 for healthcare and G... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.090226 | 38,725 | 44.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | ee90a820d765449fbf5386193ba6acb0 | 8d3e030ab295444ab7d43f2310d9f87a | 1,449,618,704 | 1,449,669,633 | 2 | 6 | Fed here. I know you are frustrated, but honestly, you have dozens of plans to choose from and the gov picks up a big part of that tab. I know you don't feel like it, but you're lucky. So, here's my recommendation - I picked the same except the self option, as I don't have anyone. Pick GEHA 342 for healthcare and G... | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | 0 | 0.068182 | 50,929 | 3 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | ee90a820d765449fbf5386193ba6acb0 | 5cfa505ea8b340f58801cd0837356150 | 1,449,618,704 | 1,449,670,935 | 2 | 22 | Fed here. I know you are frustrated, but honestly, you have dozens of plans to choose from and the gov picks up a big part of that tab. I know you don't feel like it, but you're lucky. So, here's my recommendation - I picked the same except the self option, as I don't have anyone. Pick GEHA 342 for healthcare and G... | I'm an MD and I don't understand either side (insurance/medicare wise) of this cluster fuck we call healthcare. Whatever happened to just paying for a service? Now we employ armies of coders etc in order to extract a partial payment from the insurance who say we are owed more than we'd bill straight out. By a wide marg... | 0 | 0.05 | 52,231 | 11 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | ee90a820d765449fbf5386193ba6acb0 | b0fab35fd959454db8ce3def9de4a6a4 | 1,449,618,704 | 1,449,672,592 | 2 | 4 | Fed here. I know you are frustrated, but honestly, you have dozens of plans to choose from and the gov picks up a big part of that tab. I know you don't feel like it, but you're lucky. So, here's my recommendation - I picked the same except the self option, as I don't have anyone. Pick GEHA 342 for healthcare and G... | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | 0 | 0.094488 | 53,888 | 2 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | ee90a820d765449fbf5386193ba6acb0 | 86503a01ca904fdcb150b82707fa1929 | 1,449,618,704 | 1,449,673,406 | 2 | 89 | Fed here. I know you are frustrated, but honestly, you have dozens of plans to choose from and the gov picks up a big part of that tab. I know you don't feel like it, but you're lucky. So, here's my recommendation - I picked the same except the self option, as I don't have anyone. Pick GEHA 342 for healthcare and G... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.090226 | 54,702 | 44.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | ee90a820d765449fbf5386193ba6acb0 | 5775ed3ac0ac4e1b96c653da6ec1514d | 1,449,618,704 | 1,449,685,978 | 2 | 30 | Fed here. I know you are frustrated, but honestly, you have dozens of plans to choose from and the gov picks up a big part of that tab. I know you don't feel like it, but you're lucky. So, here's my recommendation - I picked the same except the self option, as I don't have anyone. Pick GEHA 342 for healthcare and G... | So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.096774 | 67,274 | 15 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | ee90a820d765449fbf5386193ba6acb0 | 728fcd7b3eeb457a9fdb5dd922d7265d | 1,449,618,704 | 1,449,700,551 | 2 | 14 | Fed here. I know you are frustrated, but honestly, you have dozens of plans to choose from and the gov picks up a big part of that tab. I know you don't feel like it, but you're lucky. So, here's my recommendation - I picked the same except the self option, as I don't have anyone. Pick GEHA 342 for healthcare and G... | All i know is we pay 750 a month for health, vision, and dental. Thats for my wife, myself, and our one kid. Also it goes up every year, which is just stupid. Its just another bill the working class have to pay for.
Also I really enjoyed your rant, and let this be known you are not alone when it comes to this shit. Th... | 0 | 0.082645 | 81,847 | 7 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | ee90a820d765449fbf5386193ba6acb0 | f30872096e8249b381e0eb56bf26ae03 | 1,449,618,704 | 1,449,702,799 | 2 | 6 | Fed here. I know you are frustrated, but honestly, you have dozens of plans to choose from and the gov picks up a big part of that tab. I know you don't feel like it, but you're lucky. So, here's my recommendation - I picked the same except the self option, as I don't have anyone. Pick GEHA 342 for healthcare and G... | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | 0 | 0.068182 | 84,095 | 3 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | ee90a820d765449fbf5386193ba6acb0 | 1aa6fb40e7fd464491a6945588309564 | 1,449,618,704 | 1,449,778,154 | 2 | 8 | Fed here. I know you are frustrated, but honestly, you have dozens of plans to choose from and the gov picks up a big part of that tab. I know you don't feel like it, but you're lucky. So, here's my recommendation - I picked the same except the self option, as I don't have anyone. Pick GEHA 342 for healthcare and G... | Who are the vision providers who cover any part of lasik?
My wife works in healthcare and has access to just about any provider we want.
I shopped around every single one and was laughed off the phone when I asked if or how much of Lasik they would cover.
| 0 | 0.044944 | 159,450 | 4 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | ee90a820d765449fbf5386193ba6acb0 | e64b4827c8c3450bbd6c97b8d1320b12 | 1,449,618,704 | 1,449,940,763 | 2 | 5 | Fed here. I know you are frustrated, but honestly, you have dozens of plans to choose from and the gov picks up a big part of that tab. I know you don't feel like it, but you're lucky. So, here's my recommendation - I picked the same except the self option, as I don't have anyone. Pick GEHA 342 for healthcare and G... | I have no help to offer but I just do the following:
Pick *some* insurance, it seems pretty clear having none is bad and illegal. As far as I can tell there is *no* way to tell what will or won't be covered, before or after you've gotten it. They are so poorly worded and there are so many fine prints and gotchas tha... | 0 | 0.089041 | 322,059 | 2.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | ee90a820d765449fbf5386193ba6acb0 | 58dcb406a703459c9fd91012b567f39c | 1,449,618,704 | 1,450,130,143 | 2 | 89 | Fed here. I know you are frustrated, but honestly, you have dozens of plans to choose from and the gov picks up a big part of that tab. I know you don't feel like it, but you're lucky. So, here's my recommendation - I picked the same except the self option, as I don't have anyone. Pick GEHA 342 for healthcare and G... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.090226 | 511,439 | 44.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 4872b2ab592b4dce9fe9eba930c2e3cc | 38d4f3dae6204bc5a9665fdd2145c715 | 1,449,623,052 | 1,449,628,942 | 30 | 89 | So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.09396 | 5,890 | 2.966667 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 925468a5843047aaa06c3ded464d795b | 1a210bb66fd54b0489880b7a96e8d8c6 | 1,449,634,140 | 1,449,649,503 | 6 | 23 | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | I was under the impression that all plans are now required to have a 1-page summary sheet available that shows most of the important information. I'd start by looking for those online.
| 0 | 0.025316 | 15,363 | 3.833333 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 925468a5843047aaa06c3ded464d795b | 11e024a68a0549e2bd8862c7cb2956f3 | 1,449,634,140 | 1,449,657,429 | 6 | 89 | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.107438 | 23,289 | 14.833333 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 925468a5843047aaa06c3ded464d795b | 5cfa505ea8b340f58801cd0837356150 | 1,449,634,140 | 1,449,670,935 | 6 | 22 | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | I'm an MD and I don't understand either side (insurance/medicare wise) of this cluster fuck we call healthcare. Whatever happened to just paying for a service? Now we employ armies of coders etc in order to extract a partial payment from the insurance who say we are owed more than we'd bill straight out. By a wide marg... | 0 | 0.068182 | 36,795 | 3.666667 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 925468a5843047aaa06c3ded464d795b | 86503a01ca904fdcb150b82707fa1929 | 1,449,634,140 | 1,449,673,406 | 6 | 89 | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.107438 | 39,266 | 14.833333 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 925468a5843047aaa06c3ded464d795b | 5775ed3ac0ac4e1b96c653da6ec1514d | 1,449,634,140 | 1,449,685,978 | 6 | 30 | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.096552 | 51,838 | 5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 925468a5843047aaa06c3ded464d795b | 728fcd7b3eeb457a9fdb5dd922d7265d | 1,449,634,140 | 1,449,700,551 | 6 | 14 | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | All i know is we pay 750 a month for health, vision, and dental. Thats for my wife, myself, and our one kid. Also it goes up every year, which is just stupid. Its just another bill the working class have to pay for.
Also I really enjoyed your rant, and let this be known you are not alone when it comes to this shit. Th... | 0 | 0.090909 | 66,411 | 2.333333 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 925468a5843047aaa06c3ded464d795b | 1aa6fb40e7fd464491a6945588309564 | 1,449,634,140 | 1,449,778,154 | 6 | 8 | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | Who are the vision providers who cover any part of lasik?
My wife works in healthcare and has access to just about any provider we want.
I shopped around every single one and was laughed off the phone when I asked if or how much of Lasik they would cover.
| 0 | 0.012346 | 144,014 | 1.333333 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 925468a5843047aaa06c3ded464d795b | 58dcb406a703459c9fd91012b567f39c | 1,449,634,140 | 1,450,130,143 | 6 | 89 | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.107438 | 496,003 | 14.833333 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 1a210bb66fd54b0489880b7a96e8d8c6 | 11e024a68a0549e2bd8862c7cb2956f3 | 1,449,649,503 | 1,449,657,429 | 23 | 89 | I was under the impression that all plans are now required to have a 1-page summary sheet available that shows most of the important information. I'd start by looking for those online.
| Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.036585 | 7,926 | 3.869565 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 1a210bb66fd54b0489880b7a96e8d8c6 | 5775ed3ac0ac4e1b96c653da6ec1514d | 1,449,649,503 | 1,449,685,978 | 23 | 30 | I was under the impression that all plans are now required to have a 1-page summary sheet available that shows most of the important information. I'd start by looking for those online.
| So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.037736 | 36,475 | 1.304348 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 1a210bb66fd54b0489880b7a96e8d8c6 | 58dcb406a703459c9fd91012b567f39c | 1,449,649,503 | 1,450,130,143 | 23 | 89 | I was under the impression that all plans are now required to have a 1-page summary sheet available that shows most of the important information. I'd start by looking for those online.
| Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.036585 | 480,640 | 3.869565 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 8d3e030ab295444ab7d43f2310d9f87a | 5cfa505ea8b340f58801cd0837356150 | 1,449,669,633 | 1,449,670,935 | 6 | 22 | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | I'm an MD and I don't understand either side (insurance/medicare wise) of this cluster fuck we call healthcare. Whatever happened to just paying for a service? Now we employ armies of coders etc in order to extract a partial payment from the insurance who say we are owed more than we'd bill straight out. By a wide marg... | 0 | 0.068182 | 1,302 | 3.666667 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 8d3e030ab295444ab7d43f2310d9f87a | 86503a01ca904fdcb150b82707fa1929 | 1,449,669,633 | 1,449,673,406 | 6 | 89 | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.107438 | 3,773 | 14.833333 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 8d3e030ab295444ab7d43f2310d9f87a | 5775ed3ac0ac4e1b96c653da6ec1514d | 1,449,669,633 | 1,449,685,978 | 6 | 30 | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.096552 | 16,345 | 5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 8d3e030ab295444ab7d43f2310d9f87a | 728fcd7b3eeb457a9fdb5dd922d7265d | 1,449,669,633 | 1,449,700,551 | 6 | 14 | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | All i know is we pay 750 a month for health, vision, and dental. Thats for my wife, myself, and our one kid. Also it goes up every year, which is just stupid. Its just another bill the working class have to pay for.
Also I really enjoyed your rant, and let this be known you are not alone when it comes to this shit. Th... | 0 | 0.090909 | 30,918 | 2.333333 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 8d3e030ab295444ab7d43f2310d9f87a | 1aa6fb40e7fd464491a6945588309564 | 1,449,669,633 | 1,449,778,154 | 6 | 8 | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | Who are the vision providers who cover any part of lasik?
My wife works in healthcare and has access to just about any provider we want.
I shopped around every single one and was laughed off the phone when I asked if or how much of Lasik they would cover.
| 0 | 0.012346 | 108,521 | 1.333333 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 8d3e030ab295444ab7d43f2310d9f87a | 58dcb406a703459c9fd91012b567f39c | 1,449,669,633 | 1,450,130,143 | 6 | 89 | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.107438 | 460,510 | 14.833333 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 5cfa505ea8b340f58801cd0837356150 | 86503a01ca904fdcb150b82707fa1929 | 1,449,670,935 | 1,449,673,406 | 22 | 89 | I'm an MD and I don't understand either side (insurance/medicare wise) of this cluster fuck we call healthcare. Whatever happened to just paying for a service? Now we employ armies of coders etc in order to extract a partial payment from the insurance who say we are owed more than we'd bill straight out. By a wide marg... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.042553 | 2,471 | 4.045455 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 5cfa505ea8b340f58801cd0837356150 | 5775ed3ac0ac4e1b96c653da6ec1514d | 1,449,670,935 | 1,449,685,978 | 22 | 30 | I'm an MD and I don't understand either side (insurance/medicare wise) of this cluster fuck we call healthcare. Whatever happened to just paying for a service? Now we employ armies of coders etc in order to extract a partial payment from the insurance who say we are owed more than we'd bill straight out. By a wide marg... | So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.060345 | 15,043 | 1.363636 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 5cfa505ea8b340f58801cd0837356150 | 58dcb406a703459c9fd91012b567f39c | 1,449,670,935 | 1,450,130,143 | 22 | 89 | I'm an MD and I don't understand either side (insurance/medicare wise) of this cluster fuck we call healthcare. Whatever happened to just paying for a service? Now we employ armies of coders etc in order to extract a partial payment from the insurance who say we are owed more than we'd bill straight out. By a wide marg... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.042553 | 459,208 | 4.045455 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | b0fab35fd959454db8ce3def9de4a6a4 | 86503a01ca904fdcb150b82707fa1929 | 1,449,672,592 | 1,449,673,406 | 4 | 89 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.056 | 814 | 22.25 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | b0fab35fd959454db8ce3def9de4a6a4 | 5775ed3ac0ac4e1b96c653da6ec1514d | 1,449,672,592 | 1,449,685,978 | 4 | 30 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.105634 | 13,386 | 7.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | b0fab35fd959454db8ce3def9de4a6a4 | 728fcd7b3eeb457a9fdb5dd922d7265d | 1,449,672,592 | 1,449,700,551 | 4 | 14 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | All i know is we pay 750 a month for health, vision, and dental. Thats for my wife, myself, and our one kid. Also it goes up every year, which is just stupid. Its just another bill the working class have to pay for.
Also I really enjoyed your rant, and let this be known you are not alone when it comes to this shit. Th... | 0 | 0.072727 | 27,959 | 3.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | b0fab35fd959454db8ce3def9de4a6a4 | f30872096e8249b381e0eb56bf26ae03 | 1,449,672,592 | 1,449,702,799 | 4 | 6 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | 0 | 0.142857 | 30,207 | 1.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | b0fab35fd959454db8ce3def9de4a6a4 | 1aa6fb40e7fd464491a6945588309564 | 1,449,672,592 | 1,449,778,154 | 4 | 8 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Who are the vision providers who cover any part of lasik?
My wife works in healthcare and has access to just about any provider we want.
I shopped around every single one and was laughed off the phone when I asked if or how much of Lasik they would cover.
| 0 | 0.038961 | 105,562 | 2 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | b0fab35fd959454db8ce3def9de4a6a4 | e64b4827c8c3450bbd6c97b8d1320b12 | 1,449,672,592 | 1,449,940,763 | 4 | 5 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | I have no help to offer but I just do the following:
Pick *some* insurance, it seems pretty clear having none is bad and illegal. As far as I can tell there is *no* way to tell what will or won't be covered, before or after you've gotten it. They are so poorly worded and there are so many fine prints and gotchas tha... | 0 | 0.089552 | 268,171 | 1.25 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | b0fab35fd959454db8ce3def9de4a6a4 | 58dcb406a703459c9fd91012b567f39c | 1,449,672,592 | 1,450,130,143 | 4 | 89 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.056 | 457,551 | 22.25 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 92ea18c8d49442e3a84a663b23c41461 | 5775ed3ac0ac4e1b96c653da6ec1514d | 1,449,672,612 | 1,449,685,978 | 4 | 30 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | 0 | 0.105634 | 13,366 | 7.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 92ea18c8d49442e3a84a663b23c41461 | 728fcd7b3eeb457a9fdb5dd922d7265d | 1,449,672,612 | 1,449,700,551 | 4 | 14 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | All i know is we pay 750 a month for health, vision, and dental. Thats for my wife, myself, and our one kid. Also it goes up every year, which is just stupid. Its just another bill the working class have to pay for.
Also I really enjoyed your rant, and let this be known you are not alone when it comes to this shit. Th... | 0 | 0.072727 | 27,939 | 3.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 92ea18c8d49442e3a84a663b23c41461 | f30872096e8249b381e0eb56bf26ae03 | 1,449,672,612 | 1,449,702,799 | 4 | 6 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | 0 | 0.142857 | 30,187 | 1.5 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 92ea18c8d49442e3a84a663b23c41461 | 1aa6fb40e7fd464491a6945588309564 | 1,449,672,612 | 1,449,778,154 | 4 | 8 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Who are the vision providers who cover any part of lasik?
My wife works in healthcare and has access to just about any provider we want.
I shopped around every single one and was laughed off the phone when I asked if or how much of Lasik they would cover.
| 0 | 0.038961 | 105,542 | 2 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 92ea18c8d49442e3a84a663b23c41461 | e64b4827c8c3450bbd6c97b8d1320b12 | 1,449,672,612 | 1,449,940,763 | 4 | 5 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | I have no help to offer but I just do the following:
Pick *some* insurance, it seems pretty clear having none is bad and illegal. As far as I can tell there is *no* way to tell what will or won't be covered, before or after you've gotten it. They are so poorly worded and there are so many fine prints and gotchas tha... | 0 | 0.089552 | 268,151 | 1.25 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 92ea18c8d49442e3a84a663b23c41461 | 58dcb406a703459c9fd91012b567f39c | 1,449,672,612 | 1,450,130,143 | 4 | 89 | I'm sure there will be plenty of criticism here about this response, but here's what I've done:
Does the HSA your employer offer roll over? If so, I sign up for this, and set the contribution amount to be the same as if I was paying for the other insurance (the traditional plan) minus the cost of the HSA. Say the tr... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.056 | 457,531 | 22.25 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 5775ed3ac0ac4e1b96c653da6ec1514d | 58dcb406a703459c9fd91012b567f39c | 1,449,685,978 | 1,450,130,143 | 30 | 89 | So a few things.
One costs are going up likely because a lot of the ACA required stuff has encouraged more people to actually seek out care and use their insurance. One of the secrets of insurance was that if no one uses it because they are afraid of having to pay out of pocket, then the insurance company wins. But w... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.09396 | 444,165 | 2.966667 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 728fcd7b3eeb457a9fdb5dd922d7265d | 58dcb406a703459c9fd91012b567f39c | 1,449,700,551 | 1,450,130,143 | 14 | 89 | All i know is we pay 750 a month for health, vision, and dental. Thats for my wife, myself, and our one kid. Also it goes up every year, which is just stupid. Its just another bill the working class have to pay for.
Also I really enjoyed your rant, and let this be known you are not alone when it comes to this shit. Th... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.078261 | 429,592 | 6.357143 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | f30872096e8249b381e0eb56bf26ae03 | 1aa6fb40e7fd464491a6945588309564 | 1,449,702,799 | 1,449,778,154 | 6 | 8 | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | Who are the vision providers who cover any part of lasik?
My wife works in healthcare and has access to just about any provider we want.
I shopped around every single one and was laughed off the phone when I asked if or how much of Lasik they would cover.
| 0 | 0.012346 | 75,355 | 1.333333 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | f30872096e8249b381e0eb56bf26ae03 | 58dcb406a703459c9fd91012b567f39c | 1,449,702,799 | 1,450,130,143 | 6 | 89 | Orthodontist and former General Dentist here:
Dental insurance is a waste of money UNLESS your employer is paying for a good portion of it for you, OR you actually have dental work that needs to be done.
If you need to buy it yourself, save your money. If it's offered by the company do your financial due diligence on... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.107438 | 427,344 | 14.833333 | 1 |
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