Jump to content
2019 Nursing Salary Survey Read more... ×

Rising insurance premiums through work

Nurses   (2,629 Views 38 Comments)
by Emergent Emergent (Member)

Emergent has 25 years experience and works as a Emergency Room RN.

1,184 Likes; 6 Followers; 62,455 Visitors; 2,567 Posts

advertisement

You are reading page 3 of Rising insurance premiums through work. If you want to start from the beginning Go to First Page.

hppygr8ful has 15 years experience and works as a RN - Adolescent Psych.

327 Likes; 4 Followers; 31,150 Visitors; 2,511 Posts

I think it's a given that the era of employer paid health insurance is a thing of the past. My families health care premium has gone up 79% in the years since the ACA was enacted and our benefits come from the federal government which my husband works for.

Hppy

Share this post


Link to post
Share on other sites

subee has 45 years experience as a MSN, CRNA and works as a CRNA, retired.

38 Likes; 1 Follower; 17,446 Visitors; 1,650 Posts

Thank Obama care for this!! We now have to subsidize insurance for people who do not get it through work, but who are required to have it. The private insurance companies have to make up for this loss of revenue somewhere, so guess who gets to pay! "Affordable Healthcare" is why we have a deductible as well, they are trying to make it so people think more before they get testing they may not really need. I think this more or less backfires since people who don't have the money will wait to get seen for potentially serious issues, and when they do get seen, usually in the ER when it becomes an emergency it become far more expensive then it would have if they just went to the doctor early on.

Annie

Would it have helped if the individual mandate requirement were still active? Insurance only works when EVERYONE pays into the pool, not just the sick. You can badmouth Obamacare all you want (and I was opposed to it being passed in the dark of the night without citizen participation), but it seems to agree with the public as evidenced by the red states who passed Medicaid expansion referendums this month. I don't know what the answer is but I do know that we an better control costs when patients are assigned a medical home and kept out of the emergency rooms.

Share this post


Link to post
Share on other sites

Emergent has 25 years experience and works as a Emergency Room RN.

1,184 Likes; 6 Followers; 62,455 Visitors; 2,567 Posts

Obamacare hurt the middle class and the Trump administration has no solution.

Heathcare is not something that can be treated as just another commodity on the open market. One of the biggest advantage of universal healthcare is the incredible bargaining power for medical equipment.

Another fault of the American system is that, since it's treated as just another business, it breeds a ridiculous sense of entitlement in the public. Pt rights are emphasized with surveys about consumer satisfaction, and many are reluctant to discuss the responsibility side of that equation.

Another huge problem is the direct to consumer marketing of pharmaceuticals. Drug advertising has caused Americans to be very over-medicated. For those of you who do not remember, this practice started in the 1980s. Of course, the drug companies love it.

Another big problem is that litigation reform is needed. Advertising by lawyers is another thing that was previously illegal. Now some segmant of the population is hoping for a big payoff and complicates the system more with that attitude. This leads to defensive medicine which drives up costs.

Share this post


Link to post
Share on other sites

OldDude works as a School Nurse.

873 Likes; 5 Followers; 1 Article; 27,703 Visitors; 4,543 Posts

I'm tired of the blaming of both parties. If anyone thinks that these politicians cares about any of us little guys, you are delusional. Healthcare access has been an issue for years, probably since Nixon (if I'm not mistaken) made it ok for healthcare companies and hospitals to be for profit. Obamacare ramped it up a few notches, Trump and his cronies have done zip to improve the situation. Grrrr....

The insurance lobby has too much of a strangle hold on the ones in a position to make a change...similar to other political subjects I realize...but otherwise everything should be opened up to the free market for competition. In other words, have you ever walked into a XYZ facility and seen the "menu" displayed on the wall; the fees for various services? No...it's a secret according to what "deal" is in effect between your insurance company and this provider...many different prices for the same procedure and all of them a secret from the consumer until you get the EOB and the shell game is revealed.

There is a local chiropractor who stopped accepting any and all insurance for a straight up fee for service charge. He offers prepaid "packages," which reduces the visits to the old insurance copay price or simply pay as you go visits; 30.00/package versus 40.00 per visit. His business is more profitable and less stressful, for him, now, which equates to a more therapeutic relationship with his patients.

Of course, there is a need for medical insurance but there is one thing for sure, the system we have now isn't working and many people, including me, are sacrificing coverage and benefits in a futile attempt to offset the sky high premiums. I wonder if this is a contributing factor to the recent rise in mortality rates?

Share this post


Link to post
Share on other sites

BiscuitRN has 4 years experience as a BSN, RN and works as a School Nurse.

321 Likes; 1,634 Visitors; 321 Posts

My husband switched jobs this year and his new company's insurance premium was $600/month. We were scrambling to figure out how to afford it. Luckily I was able to get insurance through my work for half the cost. I feel like we're really swimming against the current most of the time. Our family members have been asking when we'll be having kids...well we've got zero savings (since we've been tackling our student loans to pay them off by this summer), child care is incredibly expensive, and we'd be paying a whole lot more to move somewhere that we could actually fit a baby. Maybe the baby can share a bed with the dog?

I know the millennial generation gets a bad rap, but most of us are just trying to get our heads above water, find a little joy in the monotony of life, and live up to our parents' expectations without drowning in debt.

Share this post


Link to post
Share on other sites

OldDude works as a School Nurse.

873 Likes; 5 Followers; 1 Article; 27,703 Visitors; 4,543 Posts

Last year, I shopped the ACA exchange. The premium for my family coverage was going to be 2700.00/month. There is nothing affordable about that. I've wheeled and dealed and reduced my coverage though a combination of policies to around 850.00/month...2500.00 deductibles that pay nothing, no copays, no RX, no nothing until you I pay the first 2500.00 then it covers 70%. My story isn't the exception...sad.

Share this post


Link to post
Share on other sites
advertisement

7 Likes; 8,484 Visitors; 672 Posts

Oh I want to jump on my SOAP box about this because we as Americans have done this to ourselves. You cannot have your cake and eat it to in a capitalist society, do we want a combination society of social healthcare that will reduce our competitive edge with new emerging medications/equipment/DME or do we want affordable simple healthcare that will no longer support the intellectual edge we have with emerging new items? First you must ask yourself is healthcare a right and should not be bought (meaning tax is higher and that portion is only used for healthcare) or is it a commodity just like anything else you can purchase in America.

If you look at history, health care always has been expensive, people usually only seek out healthcare when they feel there is no other recourse (for whatever reason), preventive cares are largely ignored, and there has been poor education about taking care of yourself from beginning of life to end of life. This has resulted in the healthcare arena as some sort of let me take care of it mentality when a patient access healthcare, it is expected from the patient perspective healthcare professional will carry you through what ever you are going through, you the patient do not have to work for your health, we will as the healthcare "expert". Although there is a new focus on patient education it is not enough to break this way of thinking unless we start in the early grades about preventive health care at an early age.

In the early 1980's the healthcare environment changed significantly due to higher rising costs, new technology emerging, new medication and the cost...the healthcare environment changed because of DRG. DRG's are Diagnostic Related Groups, for every disease or injury there is a number associated with this and even a modifier number for reimbursement and reporting purposes. My belief is that this propelled the healthcare environment into what we have today, a mess based on how much money I can make for any service.

The Affordable Care Act (aka Obama Care) further like the layers of an onion, added to the already spider webbed services/reimbursement/choices for healthcare consumers. What could have been something so precious, affordable, and needed for America citizens has turned into an ugly mess. We allowed our supposed leaders in America to develop and implement a mandated healthcare system that is full of pork belly fat of which some of the new ACA laws are not even related to healthcare, we should all rise up and demand better but alas we only complain to anyone who will listen. Where were all my professional peers when this was being developed?? I know I was in my senators office, visiting DC and speaking to anyone who would listen. We did not band together enough for anyone to really listen.

We should have basic healthcare services to anyone in America not based on wages but just because we are citizens. The basic services should be simple enough we get preventive, chronic and catastrophic services. Nothing else unless you want to pay for those extras. Spending the most monies on the persons last years of life and some of you all may be offended is to me well I do not understand. When there is no cure but you still want all the bells and whistles (the full meal deal) and you only have 6 months or less to live why not just take a nice trip, spend time with family, make amends, ticking off those items on your bucket list, in lieu of being hooked up to IV's, to taking greater than 10 medications, feeling run down, feel nauseated from the medication...just saying that monies are going into the provider pockets, the hospital pockets. The company you work for is paying the bill, the insurance company only manages what your company wants to give you as benefits. The person you trust your provider according to stats would never even consider this care you are getting they would much rather check things off their bucket list---see the article by NPR Knowing How Doctors Die Can Change End-Of-Life Discussions : Shots - Health News : NPR...

We could and should do better with how we deliver healthcare in the US, we all should demand a change with solutions not just discussions. We do not do any of this we are so focused on our own lives, own struggles, own survival that the leadership in the US gets away with it telling us it is for our own good....I have lived in Europe, grew up in Canada and can tell you first hand when we choose not to participate in the growing of a country, in maintaining a country, with change of a country our troubles will continue and those decisions will be made based on what can I get out of this for my career and where I choose to operate to keep my voters from voting for something else. Why are we allowing this to happen with our healthcare?? I blame us all. We need to gather together make some decision of solutions and continue to push those solutions forward in the form of letters, phone calls, e contact, in person, voting and protesting in a calm manner.

I am proud to be a member of the healthcare professional community, I enjoy you all in this forum but until we all join together come up with solutions AND FIGHT FOR THOSE SOLUTIONS there will be no solution to the healthcare environment we have at the current time.

Share this post


Link to post
Share on other sites

Hoosier_RN has 20 years experience as a MSN and works as a Dialysis.

184 Likes; 3 Followers; 2,026 Visitors; 1,163 Posts

have you ever walked into a XYZ facility and seen the "menu" displayed on the wall; the fees for various services? No...it's a secret according to what "deal" is in effect between your insurance company and this provider...many different prices for the same procedure and all of them a secret from the consumer until you get the EOB and the shell game is revealed.

I wonder if this is a contributing factor to the recent rise in mortality rates?

100% agree. I wish there was a sign at the lab "CBC $20, CMP $35, etc" Rising costs I believe has led to a rise in mortality. If you or your insurance can't pay the cost of tx, you die or get so sick that you pray for death!

Edited by Hoosier_RN

Share this post


Link to post
Share on other sites

Hoosier_RN has 20 years experience as a MSN and works as a Dialysis.

184 Likes; 3 Followers; 2,026 Visitors; 1,163 Posts

Oh I want to jump on my SOAP box about this because we as Americans have done this to ourselves. You cannot have your cake and eat it to in a capitalist society, do we want a combination society of social healthcare that will reduce our competitive edge with new emerging medications/equipment/DME or do we want affordable simple healthcare that will no longer support the intellectual edge we have with emerging new items? First you must ask yourself is healthcare a right and should not be bought (meaning tax is higher and that portion is only used for healthcare) or is it a commodity just like anything else you can purchase in America.

If you look at history, health care always has been expensive, people usually only seek out healthcare when they feel there is no other recourse (for whatever reason), preventive cares are largely ignored, and there has been poor education about taking care of yourself from beginning of life to end of life. This has resulted in the healthcare arena as some sort of let me take care of it mentality when a patient access healthcare, it is expected from the patient perspective healthcare professional will carry you through what ever you are going through, you the patient do not have to work for your health, we will as the healthcare "expert". Although there is a new focus on patient education it is not enough to break this way of thinking unless we start in the early grades about preventive health care at an early age.

In the early 1980's the healthcare environment changed significantly due to higher rising costs, new technology emerging, new medication and the cost...the healthcare environment changed because of DRG. DRG's are Diagnostic Related Groups, for every disease or injury there is a number associated with this and even a modifier number for reimbursement and reporting purposes. My belief is that this propelled the healthcare environment into what we have today, a mess based on how much money I can make for any service.

The Affordable Care Act (aka Obama Care) further like the layers of an onion, added to the already spider webbed services/reimbursement/choices for healthcare consumers. What could have been something so precious, affordable, and needed for America citizens has turned into an ugly mess. We allowed our supposed leaders in America to develop and implement a mandated healthcare system that is full of pork belly fat of which some of the new ACA laws are not even related to healthcare, we should all rise up and demand better but alas we only complain to anyone who will listen. Where were all my professional peers when this was being developed?? I know I was in my senators office, visiting DC and speaking to anyone who would listen. We did not band together enough for anyone to really listen.

We should have basic healthcare services to anyone in America not based on wages but just because we are citizens. The basic services should be simple enough we get preventive, chronic and catastrophic services. Nothing else unless you want to pay for those extras. Spending the most monies on the persons last years of life and some of you all may be offended is to me well I do not understand. When there is no cure but you still want all the bells and whistles (the full meal deal) and you only have 6 months or less to live why not just take a nice trip, spend time with family, make amends, ticking off those items on your bucket list, in lieu of being hooked up to IV's, to taking greater than 10 medications, feeling run down, feel nauseated from the medication...just saying that monies are going into the provider pockets, the hospital pockets. The company you work for is paying the bill, the insurance company only manages what your company wants to give you as benefits. The person you trust your provider according to stats would never even consider this care you are getting they would much rather check things off their bucket list---see the article by NPR Knowing How Doctors Die Can Change End-Of-Life Discussions : Shots - Health News : NPR...

We could and should do better with how we deliver healthcare in the US, we all should demand a change with solutions not just discussions. We do not do any of this we are so focused on our own lives, own struggles, own survival that the leadership in the US gets away with it telling us it is for our own good....I have lived in Europe, grew up in Canada and can tell you first hand when we choose not to participate in the growing of a country, in maintaining a country, with change of a country our troubles will continue and those decisions will be made based on what can I get out of this for my career and where I choose to operate to keep my voters from voting for something else. Why are we allowing this to happen with our healthcare?? I blame us all. We need to gather together make some decision of solutions and continue to push those solutions forward in the form of letters, phone calls, e contact, in person, voting and protesting in a calm manner.

I am proud to be a member of the healthcare professional community, I enjoy you all in this forum but until we all join together come up with solutions AND FIGHT FOR THOSE SOLUTIONS there will be no solution to the healthcare environment we have at the current time.

❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️

Share this post


Link to post
Share on other sites

Buckeye.nurse has 13 years experience.

4 Likes; 3,695 Visitors; 295 Posts

Thank you so much for the article link, Neats. "How Doctors Die" is a truly eye opening essay.

Share this post


Link to post
Share on other sites

56 Likes; 3 Followers; 33,530 Visitors; 4,118 Posts

No? I did not know that, OldDude!

Why can't one a PCP with medicaid?

One can. My kids received care via Medicaid briefly, while I was between jobs. We went to the same Pediatrician as before they were on Medicaid.

That was a long time ago. Maybe it's different now?

I do believe that insurance companies must begone from health care. We need to do what every other civilized nation does with health care - develop a one payor plan, with access for all.

Free, mandatory hysterectomy after your first Medicaid baby. Working people should not have to pay to support other peoples' kids. Sick of that. And life in prison and vasectomy bilaterally for men who willy nilly father hoards of babies but fail to support them.

Edited by Kooky Korky

Share this post


Link to post
Share on other sites

3 Likes; 1,024 Visitors; 211 Posts

People use the ER because they can't afford a clinic or get a doctor's appointment. :(

This! I was trying to take my MIL in for a bad cough. It got so bad I had no choice but to go to the ER.

Share this post


Link to post
Share on other sites
×