Health insurance

  • Thread starter Thread starter Owari
  • Start date Start date
Status
Not open for further replies.
O

Owari

Guest
Hello

I am moving to a company that offers some health insurance plans: kaiser, aetna, united health care, blueshield…
i think some plans dont cover abortion, but they all offers some contraception in some ways.
I am not getting benefit out of it, and dont want to pay to insurance companies that offer these stuff. I know now with the HHS mandate, everything might look worst later.

I am uninsured right now… well, i am not in financial difficulty at all although i need to go to doctor regularly, my expense of with the doctors appointments and meds covered by them will end up far outdoing the money than what i will be paying, but still i wonder where i could an insurance company that dont offer these pills and pills stuff, or even, where could i find a plan from these companies that dont cover these things.

Anyone knows? any recommendation?

Thanks
 
In a group plan, such as your employer’s, you cannot exclude things individually. You could devise your own plan by purchasing individual insurance and excluding prescriptions. But there is no reason to do so.
 
i can opt out the group plan and and get some money back to purchase my own insurance though. do you think it is too much?

thank you
 
Owari said:
Hello

I am moving to a company that offers some health insurance plans: kaiser, aetna, united health care, blueshield…
i think some plans dont cover abortion, but they all offers some contraception in some ways.
I am not getting benefit out of it, and dont want to pay to insurance companies that offer these stuff. I know now with the HHS mandate, everything might look worst later.

I am uninsured right now… well, i am not in financial difficulty at all although i need to go to doctor regularly, my expense of with the doctors appointments and meds covered by them will end up far outdoing the money than what i will be paying, but still i wonder where i could an insurance company that dont offer these pills and pills stuff, or even, where could i find a plan from these companies that dont cover these things.

Anyone knows? any recommendation?

Thanks
Click to expand...
Even if you choose a plan that does not cover contraceptives, you will basically be paying to an insurance company that offers contraception because most of them offer them in their plans. For example, if you find a plan with Kaiser, Blue Shield, Aetna, or United that doesn’t offer contraceptives in your plan, they still offer them in other plans. I don’t know of any insurance company that doesn’t offer contraceptive coverage in at least some of their plans.

As for getting individual insurance, it’s very expensive, and frankly isn’t worth the money if you are able to participate in a group plan. Group plans have better coverage at more affordable rates. If I were you, I’d choose a plan that gives you the most coverage, especially for services that you know you will be using.
 
Yeah, I think this is going to be something impossible to avoid. It would be like trying to shop only at a grocery store or drug store that didn’t offer/sell contraceptives (they all do). I might be wrong, but I would say go with the best plan for you that’s offered though your job.
 
1ke said:
Yes, typically individual plans are very expensive.
Click to expand...
Also, difficult to get. Insurance companies have no requirement to serve individuals and they try not to. They can put you through the wringer in the application process and turn you down for ANY reason.

The ONLY way not to pay for anyone else’s contraception is to
  1. Always pay cash, declining group insurance OR
  2. Use a Christian pay-plan such as Medishare, which does not cover contraception. Members pay for each other’s health care needs instead of sending the premiums to an insurance company. Frankly, I’m not sure how this works, but a lot of people have turned to them and are basically happy with it.
 
TheRealJuliane said:
The ONLY way not to pay for anyone else’s contraception is to
  1. Always pay cash, declining group insurance…
Click to expand...
And this isn’t always an option. When I started with my current employer I wanted to decline insurance coverage through them (long story). I was told that enrollment was automatic and there was no way for me to opt out.

Luna
 
Luna_Lovecraft said:
And this isn’t always an option. When I started with my current employer I wanted to decline insurance coverage through them (long story). I was told that enrollment was automatic and there was no way for me to opt out.

Luna
Click to expand...
Maybe afraid you’d have an illness and sue them because you opted out in the first place?

:confused:

Can you at least sign up for just a minimum level of plan, like an HSA?
 
TheRealJuliane said:
Maybe afraid you’d have an illness and sue them because you opted out in the first place?

:confused:

Can you at least sign up for just a minimum level of plan, like an HSA?
Click to expand...
When I started working for this employer there weren’t different plans. Everyone was enrolled in one plan, paid the same premium, co-pays, had the same (excellent) coverage, etc., etc. Oh, for those days. Now there are three different plans, each as bad as the next, and none can hold a candle to what we had before.

But our employer is saving a boatload of money…

I’ve enrolled us in the most comprehensive plan because of the kids and the fact that my husband and I aren’t getting any younger. My employer’s minimum plan (“Plan C”) basically pays for routine inoculations and the occasional bone setting. I suppose if you think you’re invincible this plan might work for you, but for us mortals…

Luna
 
Rence said:
Even if you choose a plan that does not cover contraceptives, you will basically be paying to an insurance company that offers contraception because most of them offer them in their plans. For example, if you find a plan with Kaiser, Blue Shield, Aetna, or United that doesn’t offer contraceptives in your plan, they still offer them in other plans. I don’t know of any insurance company that doesn’t offer contraceptive coverage in at least some of their plans.

As for getting individual insurance, it’s very expensive, and frankly isn’t worth the money if you are able to participate in a group plan. Group plans have better coverage at more affordable rates. If I were you, I’d choose a plan that gives you the most coverage, especially for services that you know you will be using.
Click to expand...
I agree with this. Its this entire issue where I felt the decision to not provide medical coverage for some institutions didn’t make sense. Most of us have already had no choice but to pay into plans that have such coverage. Moreover, the insurance companies count contraceptives and even abortion coverage as preventative care. The only reason preventative care is covered by insurance companies (making it really more of a subscription rather than true insurance), is to prevent the cost of having to pay for more expensive medical expenses. If you get sick, that’s expensive on the insurance company. You’re a liability. As such, if they can prevent you from getting sick through lower cost intervensions, that’s all the more benefit to them. Pregnancy is the same to them. The amount of money we spend on birth in this country is insane and our emergency c-section rate is so high, its commonplace.

Plain and simple, it costs less money to kill a baby or to prevention conception. Obama isn’t trying to solve an epidemic of lack of access to contraceptives. He’s trying to make health care affordable. Its along the lines of requiring everyone to pay buy insurance. The more people who pay into it who aren’t using it, the more money there is available to pay for those who do need it. That’s truly what insurance is: you pay for something in case you need it. The insurance company is making a financial bet on you not using it. Unforunately, especially as we age, we all end up needing it.

If birth control and abortion weren’t covered, your premiums would be higher, not lower. The cheapest insurance doesn’t cover the cost of birth, but often will provide you with an abortion without any out of pocket expense.

My own personal opinion is that low risk births don’t have to be that expensive. I had a homebirth with trained nurse midwives. Had insurance not covered us, we would have only spend less than $3000 on all the prenatal care and the delivery. With insurance, we paid $800. If we could just make this country realize that birth is a natural process that you don’t need to highly medicalize at every step of the process to make it safe, than perhaps we could convince insurance companies that a pregnant woman isn’t a huge liability.
 
Owari said:
i checked medishare, it is only for us citizen
Click to expand...
I’m sorry, I didn’t realize you are outside the US. You listed American insurance providers so I didn’t think you were overseas.

You might google “Medical expense share programs” along with your location and see if there are any.
 
OK, here is the deal. Most employer-sponsored health “insurance” plans aren’t really insurance at all, unless you work for a very small company. Your employer pays for 100% of the claims that come through, plus administrative costs. They hire Aetna or Blue Cross or whomever to manage the health plan. Aetna/Cigna/Blue Cross/whomever is not paying claims or deciding what to cover, your employer is. So it really does not matter which “insurance” company you choose to be covered by.
 
NSFrame said:
OK, here is the deal. Most employer-sponsored health “insurance” plans aren’t really insurance at all, unless you work for a very small company. Your employer pays for 100% of the claims that come through, plus administrative costs. They hire Aetna or Blue Cross or whomever to manage the health plan. Aetna/Cigna/Blue Cross/whomever is not paying claims or deciding what to cover, your employer is. So it really does not matter which “insurance” company you choose to be covered by.
Click to expand...
??? This doesn’t sound accurate. My understand is that Insurance companies negotiate with the employer for the type of plans they’ll offer. The employer agrees and then offers those plans for you. The employer pays 80% of the premium while you pay 20%. The insurance company than enters into contracts with different providers to negotiate what they will pay the provider. These contracts determine what percentage of the charged amount they’ll pay or up to what amount (fee max) they’ll pay.

The only time the employer pays 100% is if they’re self insured.
 
I have a thought that is not really useful for anyone, but i simply feel that as long as I am here in this country, even just to purchase food in the restaurant might benefit some building owners as it becomes a successfully crowded location for food hunting, and probably some companies that they hire to build some more office building complex might fund some abortion. or probably another higher level party or another one above it might be helping plannedparenthood… it is scary when a human controls an evil organization that is widely known.

oh well…
 
Owari said:
I have a thought that is not really useful for anyone, but i simply feel that as long as I am here in this country, even just to purchase food in the restaurant might benefit some building owners as it becomes a successfully crowded location for food hunting, and probably some companies that they hire to build some more office building complex might fund some abortion. or probably another higher level party or another one above it might be helping plannedparenthood… it is scary when a human controls an evil organization that is widely known.

oh well…
Click to expand...
You can only do as much as you can - you can’t control every other choice that others make. It sounds as though you might be near to being scrupulous on this issue. What I suggest is that instead of worrying about details like this, you help in the pro-life efforts locally. Help the pro-life coalition, volunteer at a crisis pregnancy center, go down to Planned Parenthood and hand out literature and talk to the women going into PP. DO something positive and you will be doing more than simply worrying about some aspect of your life that you can’t do much about.

Also, as hard as it might be, I suggest that you pray for all the workers in abortion clinics all over the world. It might seem unbelievable, but many of them have left their jobs and become pro-life workers, and more want to leave but haven’t found the courage yet. Abby Johnson was a director of Planned Parenthood and set to become director of the largest PP facility in the northern hemisphere, and she left and came over to the pro-life side. Put her name into Youtube and watch her videos. Very inspiring.
 
twoangels said:
??? This doesn’t sound accurate. My understand is that Insurance companies negotiate with the employer for the type of plans they’ll offer. The employer agrees and then offers those plans for you. The employer pays 80% of the premium while you pay 20%. The insurance company than enters into contracts with different providers to negotiate what they will pay the provider. These contracts determine what percentage of the charged amount they’ll pay or up to what amount (fee max) they’ll pay.

The only time the employer pays 100% is if they’re self insured.
Click to expand...
You’re right, it’s just that most people are in fact covered by self-insured plans if they have insurance through their employers, particularly larger companies. I know this because I work for a company that provides health benefits for maybe 1/3 of the US population. This is where the rubber hits the road with the whole HHS issue - the government is asking the Church to actually pay for contraception because most of its plans are self-insured.
 
Status
Not open for further replies.
Back
Top