Health Insurance - Minnesota and Elsewhere

  1. 8 months ago

    It's scary to hear that blue cross blue shield is cancelling or at least waay cutting back on their plan offering in the state of Minnesota starting next year. I have a lot of people ask me what are good insurance options and I feel stupid because I don't really know that area well cause I guess I've been spoiled with employer provided insurance for the last 5 years.

    I'm finally getting into some research on it and damn, un-subsidized insurance is expensive as fuuck. But on the other hand, people pay that and more for their car insurance or whatever else so I don't know.

    Any hot tips for a playa out here tryin'ta stay up on their health without losing all their wealth?

  2. That is terrifying. BCBS is pretty much the only insurance co that lets me see my out-of-state specialist :(

  3. Sorry that isn't helpful

  4. Edited 8 months ago by YITH

    I think my BCBS premiums in MN for the middle bit of 2014 were $691 for a family of 3. It was usurious.

    Thank fucking Jeebus that Oregon covers all kids if their parents make less than $75 or so. My wife and I pay $200/mo for decent medical and dental coverage. Kids FREE.

    Hope y'all MNers can find some peace. @dan_johnson may know the most about this.

  5. I am on Hennepin Health, it's free, but limited.

  6. This came from the President recently: "The public plan did not make it into the final legislation. Now, based on experience with the ACA, I think Congress should revisit a public plan to compete alongside private insurers in areas of the country where competition is limited. Adding a public plan in such areas would strengthen the Marketplace approach, giving consumers more affordable options while also creating savings for the federal government."

    And this is in the Democrat's (draft) party platform: "Democrats will never falter in our generations-long fight to guarantee health coverage as a fundamental right for every American. As part of that guarantee, Americans should be able to access public coverage through Medicare or a public option."

    Fingers crossed.

  7. I have no health insurance

  8. i have blue plus via mn care and my understanding (and hope) is that they will continue to over coverage through this just not individual market, hard to find a confirmation on that though

  9. via MPR:

    Although Blue Cross Blue Shield is leaving the individual market, its much smaller subsidiary , Blue Plus, will continue to offer plans on the individual market, according to the company statement. Blue Plus, has only about 13,000 members according to his message.

  10. this site/article is a good place to start for information about subsidized and unsubsidized insurance plans in MN: https://mn.db101.org/mn/programs/health_coverage/aca/program.htm . i had insurance through the MNsure marketplace in 2015 (it was cheaper than my employer's insurance), and i paid a very reasonable amount for a plan with a $500 deductible (as a single adult.) the MNsure marketplace plan premiums increased significantly this year though and there aren't a lot of great options for people with income too high for subsidized plans but too low to afford the unsubsidized plans.

  11. Yeah mads, all the people who have been asking me advice about it fall into that category you just described

  12. health insurance, grrrrr....... MNCare has been irritating the hell out of me this year. I guess that's what I get for missing a deadline to send in a renewal form at the end of last year. I've been told I can re-apply at any time, which I think I've attempted, like... 3 times now? All I get in the mail are reminders of how my insurance got terminated because I missed a deadline. Thx MNCare.

  13. 5 months ago

    It does not seem affordable. with a subsidy our family would still pay $500+ with an over $13k deductible.

  14. Jesus Christ, am I ever glad I live where I do, for just this reason.

  15. Two of the biggest insurers just pulled out of the ACA plans because they were denied a merger. Aetna and Humana. So now the cost is skyrocketing. Basically they're hastening their own demise since a public option would be necessary to keep people covered.

  16. i guess I'll go with the "gofundme" plan

  17. :(

    fuck those assholes. i hate that people blame Obama/the ACA when it's the insurance companies holding everyone hostage. so fucked up. Or the Republicans who stripped the ACA down to a barely functioning mess in order to stay in favor with their overlords and try to ensure a failure so they could scapegoat Obama. So fucking cynical and completely divorced from their responsibility to the health and wellbeing (quite literally) of this country. Like who do they think works at all these companies and generates profits for the CEO's they represent? Human beings who need health care in order to do their jobs.

  18. I'm footing my own insurance during a three month interim before my company sponsored insurance kicks in, and for two very healthy adults and one very healthy kiddo, it's over $600/month with a 12K deductible. Outrageous.

  19. Edited 5 months ago by YITH

    WTF, guys? I make a decent living—but comfortably lower than the median income in my county. My kids get free coverage (in OR, all families of 4 making less than $75k/year (I think) get free SCHIP), and my wife and I pay $200 for "silver" plan medical & dental.

    That's going to go up next year to about $240/month, with small increases in OOP prescription costs and deductible. I'm sorry the MN system is so fucked up. Aside from the weather/mountains/ocean, these benefits are one of the few things that's better about living in OR.

  20. pitpat, Toby Ronnie

    Oct 17 Administrator

    @$IntelligentBitch$ :(

    fuck those assholes. i hate that people blame Obama/the ACA when it's the insurance companies holding everyone hostage. so fucked up. Or the Republicans who stripped the ACA down to a barely functioning mess in order to stay in favor with their overlords and try to ensure a failure so they could scapegoat Obama. So fucking cynical and completely divorced from their responsibility to the health and wellbeing (quite literally) of this country. Like who do they think works at all these companies and generates profits for the CEO's they represent? Human beings who need health care in order to do their jobs.

    totes.
    if obama makes it harder for your insurance company to screw you, but your insurance company STILL finds a way to screw you, make sure to blame obama. wtf.

  21. Newer ›
 

or Sign Up to reply!