I visited the emergency room in March 2025. I got a bill for $550.00 USD. Last year I went the emergency room under Aetna and I only paid 150.00 copay. The difference is I have to pay coinsurance. I was not expecting such a steep charge. My out of pocket maximum is high for the year. I pay like 600.00 per month for this insurance. Before you get any eletive work done find out the out of pocket cost.
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You shouldn’t go to the emergency room unless it is a real emergency, so yes, you should get penalized for abusing the insurance. There are several reasons U.S. health care is very expensive:
The illegals that Biden and the democrats brought in use the U.S. health care system and pay nothing, that cost is passed onto workers and taxpayers
The Canadians are freeloading on the U.S. health care system. Canada limits what dr-g manufacturers can charge, so U.S. citizens pay more for the same prescription than Canadians do, even though Canada is not a poor country
Too many people use the emergency room for non emergencies instead of urgent care centers, CVS, or their family doctor
If you think the Exxon insurance is so terrible and expensive, you should decline it and use obamacare.
I'm retired and have had to use the new Medical insurance several times already unfortunately. Yes it's costing more than the Aetna plan. No I'm not on Medicare yet.
I'm trying to tell myself I'm fortunate to have insurance. Sigh
I really love the new insurance experience. Yesterday, I got to pay $300 for a night guard fitting. Every payment is just a reminder that I’m doing my part to keep billion-dollar companies thriving. It’s heartwarming to to know Im helping fund executive golf retreats and country club memberships. Feels great to contribute! It's a win-win. Thanks DW.
@dm+1jqwnpme9, but you come to the US for surgery 😂
I was in the emergency room last week.
No charge at the end.
Wait. I am Canadian.
Not medical, but similar with Dental… never used to have a co pay for cleaning, now a cleaning costs 50 usd
I had the Cigna HMO plan and now I have the BCBS EPO plan (so the expensive ones). I’ve had the same coverage so far for durable medical equipment (90% covered), laser treatment (90% covered), blood tests, routine check ups for me and my children ($0), specialist referrals ($40) this year compared to what my previous plan covered.
Haven’t had an emergency room visit yet (knock on wood).
Same here. It wasn't ER, but I had to pay 650 copay for a diagnostic procedure ordered by a doctor. Typically my copays are 40 dollars or so.
And yet they convince everyone that Medicare for all isn’t in your best interest
Inferior and higher cost insurance is a deduction in pay.
Plain and simple.
Yet people talk about getting a little below cost-of-living raise.
I haven't yet used the new BCTX coverage this year - most of my family's annual medical checks are in the summer.
But this sounds like I'll be unhappy.
Anyone else having the new experience?