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Old 10-24-2016, 12:09 PM   #21
Flip Flop
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Originally Posted by Stevieboy View Post
I have had two rotator cuff surgeries this year. My out of pocket for approximately $50,00.00 worth of surgery was $1500.00. Glad I had health insurance.
Same surgery would have costed me almost 14K with my 300 a month insurance I had.
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Old 10-24-2016, 12:09 PM   #22
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It's a small umbilical hernia that's not causing any pain...so no I'm not spending my retirement savings on that when I have insurance that's ridiculous
That is a choice you made then. Quit complaining.

Or get on a better plan..... like stevieboy.
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Old 10-24-2016, 12:12 PM   #23
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That is a choice you made then. Quit complaining.

Or get on a better plan..... like stevieboy.
So "not retiring" would be a wiser choice?
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Old 10-24-2016, 12:13 PM   #24
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Originally Posted by Flip Flop View Post
So "not retiring" would be a wiser choice?
Sounds like a plan, and a lifestyle
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Old 10-24-2016, 12:17 PM   #25
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Penalty is 695 or 2.5% of your income, whichever is higher. $60k a year is a $1,500 penalty
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Old 10-24-2016, 12:25 PM   #26
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Old 10-24-2016, 12:25 PM   #27
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Sounds like a plan, and a lifestyle
Doesn't seem like a very good plan. If I didn't have insurance at all, I could finance the 15,000 dollar surgery and come out for less than that a month.
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Old 10-24-2016, 12:27 PM   #28
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Old 10-24-2016, 12:30 PM   #29
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that just travel to India and recover in a 4-5 star hotel.


Rotator Cuff Surgery Abroad

Expected cost of rotator cuff surgery abroad: 4,600-6,800 USD
Costa Rica [USA Joint Commission International-Accredited Hospital]
India [Harvard Medical Affiliated & USA Joint Commission International-Accredited Hospital]
I had also considered going to mexico to get the hernia surgery. IIRC surgery cost was going to be around 500 in Mexico.
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Old 10-24-2016, 12:39 PM   #30
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It's all a risk assessment. How much risk can you tolerate for the savings of cost of insurance sans penalty? I can't tolerate much at all.
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Old 10-24-2016, 12:42 PM   #31
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Old 10-24-2016, 12:45 PM   #32
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Originally Posted by Flip Flop View Post
I had also considered going to mexico to get the hernia surgery. IIRC surgery cost was going to be around 500 in Mexico.
Oh, I'll take a vet over a M.D. any day. They gotta be able to cure a lizard, a chicken, a pig, a frog, all on the same day.
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Old 10-24-2016, 12:46 PM   #33
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I bought extra insurance in case I'm unable to work that pays cash if I'm hospitalized and covers my salary if I can't work. It's less than .5% of my paycheck. Worth it to me.
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Old 10-24-2016, 12:47 PM   #34
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It's all a risk assessment. How much risk can you tolerate for the savings of cost of insurance sans penalty? I can't tolerate much at all.
Me either but what risk am I eliminating by paying 300 a month and still having to pay 3,000 plus 20% after that?
Sure i got insurance, but I won't be using it unless I get hit by a car or something
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Old 10-24-2016, 12:53 PM   #35
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Me either but what risk am I eliminating by paying 300 a month and still having to pay 3,000 plus 20% after that?
Sure i got insurance, but I won't be using it unless I get hit by a car or something
And the difference is, if you get hit by a car and have insurance, you're financially totally fine. If you don't, you'll be more worried about how you just bankrupted yourself instead of worrying about recovering. I'm not trying to insist that insurance is worth it. Maybe you are tolerant to that risk, and that's ok. I'm not tolerant to that risk, though
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Being nice is something that stupid people do to hedge their bets
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Old 10-24-2016, 01:03 PM   #36
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Quote:
Originally Posted by Flip Flop View Post
So "not retiring" would be a wiser choice?
That's not a good way to look at it. If you retire early all those medical expenses will be at full cost until you hit that ripe age when Medicare/Medicaid helps.

I've always made it a point to find out what companies can offer great medical & retirement plans for their employees when performing interviews for a job. There are so many companies out there with great benefits and completive pay. I worked at this logistics company that paid 80% of medical and provided an FSA cash card for additional care. Every April they would load $4,500 on the FSA. The balance carried over every year and kept building. The kicker was you could never cash it out if you quit, you could only spend it on healthcare related things. I was with them for 2 years before going to another company... I ended up getting the wife and myself braces, without paying a penny out of my own pocket.
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Old 10-24-2016, 01:09 PM   #37
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And the difference is, if you get hit by a car and have insurance, you're financially totally fine. If you don't, you'll be more worried about how you just bankrupted yourself instead of worrying about recovering. I'm not trying to insist that insurance is worth it. Maybe you are tolerant to that risk, and that's ok. I'm not tolerant to that risk, though
If the bill is 100,000 I'll end up paying 23,000. I wouldn't call that "totally fine".
Especially when comparing it to not having insurance at all, where I wasl already paying over 3 grand a year for "insurance"
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Old 10-24-2016, 01:11 PM   #38
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It's akin to paying some ridiculous amount, like 150 a month for term life insurance. It's just not worth it.
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Old 10-24-2016, 01:27 PM   #39
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Quote:
Originally Posted by Flip Flop View Post
If the bill is 100,000 I'll end up paying 23,000. I wouldn't call that "totally fine".
Especially when comparing it to not having insurance at all, where I wasl already paying over 3 grand a year for "insurance"
Without insurance the $100,000 bill in your example will cost you...
$100,000.

$23,000 is less than $100,000 even if you pay for insurance for 20 years.
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Old 10-24-2016, 01:29 PM   #40
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You can negotiate the cost of a surgery and save yourself some money.
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