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    Health Insurance Options when leaving employer

    HOT! 
    Massive news for healthcare consumers. Yesterday the Trump Admin finalized a regulation requiring full price transparency in the healthcare market. I'm actually shocked this rule was finalized. For the first time ever, we will hopefully be able to truly see price of healthcare (including...
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    Health Insurance Options when leaving employer

    HOT! 
    And just for the record, this asshat went into his past responses and removed comments like this to make it seem like I was being the a**hole this entire time: Present yourself as an expert and present falsities as facts, then prepared to get shot down. It was only after this comment that I...
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    Health Insurance Options when leaving employer

    HOT! 
    Oh the irony. Out of all the diarrhea that you just spewed in your response, the one thing you didn't do is address your braindead comments that started this entire discussion and my carefully explained retorts of them. You just dribble more garbage, presenting it as fact, and confusing the...
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    Health Insurance Options when leaving employer

    HOT! 
    Thank you for making a helpful comment that actually furthers the discussion. Let's break this one down. You do not obviously pay less with insurer B. If we're assuming these are coinsurance plans where you share a portion of the allowed charge, then yes, potentially. If these are copayment...
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    Health Insurance Options when leaving employer

    HOT! 
    I think there's a fine line between having humility and being critically unassertive and unconfident. It took me many years to speak with conviction. I was often told I was too humble, too meek, too conciliatory. I understand that putting aside your ego can win you respect; I've internalized...
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    Health Insurance Options when leaving employer

    HOT! 
    Did you read the thread? I honestly don't think you did and just looked at my last comment and made an assumption about the rest of my behavior. Your comments should be directed towards him, not me. He had a misunderstanding, and I respectfully and carefully broke down in an explanation why it...
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    Health Insurance Options when leaving employer

    HOT! 
    ...works is misguided, and I attempted to correct that several times. Instead of engaging in socratic dialogue, he retorts and says I'm flat out *wrong*. And at that point, my humility flew out the window. If I come to you and say, "When it comes to software programming, HTML is all you need...
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    Health Insurance Options when leaving employer

    HOT! 
    Yea, we know you don't like to read. Like I said, I'm not going to waste my time pointing out the ignorance in every single one of your responses. You just keep making yourself look dumber and dumber in front of anyone who has any knowledge on the topic. Apparently you've single-handedly...
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    Health Insurance Options when leaving employer

    HOT! 
    You just don't. You estimate what your health needs are going to be and then shop for a plan based on the combination of monthly premiums, scope of coverage of services (i.e. what types of services are covered), and level of coverage (i.e. how much does the plan pay after you met your...
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    Health Insurance Options when leaving employer

    HOT! 
    Depending on which employer you work for, employer-provided coverage is commonly less expensive than any plan you'd find on the individual market because the employer subsidizes a portion of the premiums as an employment benefit. So I would say if there's any way to hang on to your employer...
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    Health Insurance Options when leaving employer

    HOT! 
    Perhaps. The problem is that you're ignorant of even the basics. It's one thing to overcomplicate something to the point where it provides no benefit to your understanding. It's another thing to dumb down something out of ignorance in an attempt to convince yourself that you understand it. The...
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    Health Insurance Options when leaving employer

    HOT! 
    Ok, when you say there is a "discount" you mean there is a negotiated price between the insurer and the doctor, called the "allowed charge" of the insurer for a given service. Aetna can contract with a doctor who bills $30k for a service and say "We are only going to reimburse you $4k for this...
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    Health Insurance Options when leaving employer

    HOT! 
    Yes, this is already being done if I'm understanding you correctly. Small businesses who share some type of commonality (e.g. profession, line of business, geographical location) can pool together to form an "Association Health Plan" (AHP) to get the savings of large group medical coverage...
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    Health Insurance Options when leaving employer

    HOT! 
    Not to rip this, but there are some misstatements here. I'm sure you're an intelligent person so this just displays how ignorant the majority of educated people are about how healthcare operates in this country. I'm an expert and I still struggle sometimes as a healthcare consumer. I'm not...
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    Health Insurance Options when leaving employer

    HOT! 
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    Health Insurance Options when leaving employer

    HOT! 
    ...need to see a doctor or get prescriptions filled any time soon, and you just lost employer coverage, consider going bare for as long as you can. **But make sure your health plan is complying with these deadline extension regulations - not all employers are required to do so. Ask your...
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    Accountability Thread

    INTRO 
    I am writing today to vent my thoughts because I'm going through motivational ebbs and flows. Yesterday, I finished the formal table of contents for the textbook, which made me realize how daunting and time consuming this project is going to be. Not only will I need to write each out...
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    Accountability Thread

    INTRO 
    I'm loving it out here MJ. Phoenix might not be everyone's cup of tea, but it hits every checkbox for me. Hope that maybe our paths will cross someday!
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    Accountability Thread

    INTRO 
    Thanks, I appreciate it. A wiki is basically what I'm creating now, minus the search functionality and user base. I'm excited for the many directions I can take the project. But for now my focus is just to keep writing content without worrying about what format it's going to be in. What are...
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    Accountability Thread

    INTRO 
    Again, in colloquial English, "hope to" is used interchangeably with "I will". In other words, the word "hope" in "hope to" doesn't mean hope at all when used in this manner. It means intention. I realize that I mistakenly wrote "I hope that I will continue to..." instead of "I hope to continue...

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