Health Insurance Nightmare

[Karee 4,190]

My company decided to change PEOs this month. I spent an hour on the phone trying to navigate which health insurance plan I should choose. There's roughly 10 choices. It makes me think single payer is probably a good idea. The only problem I have is that the government would be running it.

I finally told the lady I want the "If I get sick or hurt I want my insurance to pay for it" policy. She said "it's not that simple"

It should be.

[Mr. Big Dog 10,747]

I thought the government took over healthcare already? That's what they've been saying on Fox News for years now. How come yours hasn't been taken over yet?

[unsmiley 111]

Of course it is a nightmare. Here in New York, one cannot get a plan on the government exchange that is a PPO. In other words, NO out of network benefits!! Not even if you WANT to pay extra for this! (And the networks available suck.) Outrageous.

[TBoneTX 45,498]

Sorry that you're facing this -- not fun. Let us know how you end up proceeding.

[Trumplestiltskin 5,791]

My company decided to change PEOs this month. I spent an hour on the phone trying to navigate which health insurance plan I should choose. There's roughly 10 choices. It makes me think single payer is probably a good idea. The only problem I have is that the government would be running it.

I finally told the lady I want the "If I get sick or hurt I want my insurance to pay for it" policy. She said "it's not that simple"

It should be.

It should be that simple and in many other countries, it is.

[Penny Lane 8,159]

It should be that simple and in many other countries, it is.

Pretty much. But those countries are socialist hellholes.

[Mr. Big Dog 10,747]

Pretty much. But those countries are socialist hellholes.

Exactly. Americans should always be reminded that freedom isn't free. Little bit of hassle is a small price to pay for not being subjected to universal health care.

[Teddy B 17,252]

Exactly. Americans should always be reminded that freedom isn't free. Little bit of hassle is a small price to pay for not being subjected to universal health care.

What can't be cured with some cold blue steel and gunpowder?

[Mr. Big Dog 10,747]

What can't be cured with some cold blue steel and gunpowder?

Once universal healthcare is in, gun confiscation is next. Don't say you haven't been warned.

[Teddy B 17,252]

Once universal healthcare is in, gun confiscation is next. Don't say you haven't been warned.

Oh no doubt, I think everyone is aware of that scenario.

It's just a matter of time before they go door to door confiscating hands and feet.

[Mr. Big Dog 10,747]

Oh no doubt, I think everyone is aware of that scenario.

It's just a matter of time before they go door to door confiscating hands and feet.

And cars. Those will be history, too. And then everyone will be like, we should've listened to the wise Rafael Edward Cruz.

[Teddy B 17,252]

And cars. Those will be history, too. And then everyone will be like, we should've listened to the wise Rafael Edward Cruz.

I'm ok with them taking the cars, as long as it's after they take hands and feet.

[Mr. Big Dog 10,747]

I'm ok with them taking the cars, as long as it's after they take hands and feet.

I can see why you'd be okay with that - you're one of those totalitarian commies that just doesn't appreciate freedom.

[mota bhai 2,675]

Of course it is a nightmare. Here in New York, one cannot get a plan on the government exchange that is a PPO. In other words, NO out of network benefits!! Not even if you WANT to pay extra for this! (And the networks available suck.) Outrageous.

You don't need to go to the Marketplace to buy an ACA compliant plan. If you want broader networks and are willing to pay for it, you still can.

The only benefits to shopping on the Marketplace are being able to view products from multiple vendors on one screen, being presented with cost/coverage information in a standard format (so it's slightly less confusing) and the tax subsidies. It doesn't sound like you're subsidy eligible anyway and it sounds like you're an informed consumer of the product so... shop private. You don't need the Marketplace.