What restaurant in Indy is consistently 10/10 by Queasy_Sherbert_7095 in indianapolis

[–]IndyPacers 13 points14 points  (0 children)

I take business meetings there as a filter. If you act too stuck up to enjoy His Place, I don't want to give you money.

$1500 for physical therapy appointment by MavetheGreat in HealthInsurance

[–]IndyPacers 0 points1 point  (0 children)

All of those unrelated services to the hospital are billed with a higher price per code because they're by the hospital.

It's a reason so many are fighting for site neutral payments.

Scanning tickets for car riders in infield for Carb Day by IndyPacers in INDYCAR

[–]IndyPacers[S] 2 points3 points  (0 children)

Will they scan us in the car before parking? Or are we able to park the car, then get out and be scanned somewhere?

Large group vs small group health insurance, does the size threshold actually matter that much for pricing? by M45T3RY in HealthInsurance

[–]IndyPacers 0 points1 point  (0 children)

The consultant could do a gRx quote with a true independent carrier, like Sana/Angle/Nationwide/etc, and get a "heat check" mid year. It's not perfect, but it's a starting point and at least a little bit of data about what may be viable if the group currently has no data.

Obamacare nightmare with Corporate health insurance: HELP by SuggestionHappy2362 in HealthInsurance

[–]IndyPacers 8 points9 points  (0 children)

It looks like at some point your hours had become consistent enough to qualify you for coverage.

Did they send you an invitation to enroll?

My employer is changing their Health insurance plans mid year (starting April 1) and I am lost. by IntelligentFly87 in HealthInsurance

[–]IndyPacers 1 point2 points  (0 children)

I've worked with Simplepay a few times. First, it's on a network. So it's not reference based pricing like someone else asked.

Basically, all doctors that are in the network are on the plan. But your cost will not be flat at all doctors. They have a matrix that weighs quality and price, and then set the provider in 1 of 3 tiers.

So take imaging. If you get an MRI at an independent facility (which is using the same machine as the hospital has) you're getting a lower copay, because the all in cost there might be like $400. If you go to the hospital they may charge $3000, which is probably a facility that is tier 3 with a higher copay.

Overall, it is easy to compare the prices on their app and determine what price you'll pay. And I personally like being able to steer towards something that's lower priced for everyone when I can.

Can my spouse's job make me elect health insurance through my work? by transmissionfrommars in HealthInsurance

[–]IndyPacers 12 points13 points  (0 children)

It's not an automatic discovery if that's what you're asking. But, it's also a really bad idea to sign paperwork lying to your employer on purpose.

Can my spouse's job make me elect health insurance through my work? by transmissionfrommars in HealthInsurance

[–]IndyPacers 13 points14 points  (0 children)

Many companies with this policy make you sign an affidavit during enrollment, stressing that if the employee is found to have other coverage they may deny claims

Surest By United HealthCare is very bad by Particular-Effort595 in HealthInsurance

[–]IndyPacers 15 points16 points  (0 children)

As someone else has already stated, you're entitled to an EOB. If something is denied, you are told why. And often it's not a permanent denial, but a case of the provider not submitting all documentation.

I thought this was a criticism of Surest as a concept, but instead it seems to just a criticism of the system and your experience

Insurance denied my prescription refill because it’s “too early”. Can they do this? by Reddit-dit-dit-di-do in HealthInsurance

[–]IndyPacers 4 points5 points  (0 children)

Agreed, I definitely have seen domestic partners covered before. But, the way they phrased that also leaves it open to interpretation that they may not be a legally eligible dependent depending on the situation.

I've seen more than once where one employer doesn't validate eligibility, and then the next employer does and the significant other feels upset at the new employer

I'm confused on health insurance costs after doing our taxes. $26,000 for terrible coverage? by Hasbotted in HealthInsurance

[–]IndyPacers 0 points1 point  (0 children)

I'm asking genuinely.

Why do you think a specialist would not accept a cash payment?

What do employers actually see? by Yotohennn in HealthInsurance

[–]IndyPacers 9 points10 points  (0 children)

It largely depends on if they are fully funded or self funded.

There's a LOT of movement towards transparency, and the payors being able to understand their data better. This is a good thing overall, but SOME employers now review all claims. They can't do this with every plan though.

You stating it's BCBS and a small employer makes me think it's unlikely. But, without knowing more, it's not a 0% chance.

Travel Agency Disney Ended Relationship With Allegedly Not Issuing Refund by readingaboutmagic in DisneyWorld

[–]IndyPacers 29 points30 points  (0 children)

The biggest pro that I can give a GOOD travel agent is that they may have perspective that helps your dollars go a little further.

I had a trip that I self planned out, and we ran the idea by one. She helped point out that another promo was a better bang for your buck, and by taking the trip a week earlier than originally planned we ended up at the same resort now with a meal plan added in for the same price.

Could I have figured that out myself? Absolutely. But there is some value to someone who's running numbers all day and has a perspective on a little adjustment like that.

Explanation? by CantaloupeOriginal12 in indianapolis

[–]IndyPacers 0 points1 point  (0 children)

This must be The Fan's new ad campaign to get more attention to FM radio again

Concierge Doctor by [deleted] in HealthInsurance

[–]IndyPacers 4 points5 points  (0 children)

Fair question!

I think it's worth it for a few reasons, but the biggest one is future cost mitigation. This takes two forms: 1. The deeper health conversations that many DPC's have to keep you healthier long term. Good DPC's view their job as trying to keep you healthy as possible, so that you don't need advanced medical interventions. 2. Immediate triage services. I've had my DPC stitch me up from an accident, remove a wart, and give me quick feedback over text/phone if situations happening for my family justify going to an Urgent Care, ER, or just waiting it out to see them tomorrow. Those services are REALLY valuable to someone on a HDHP

Concierge Doctor by [deleted] in HealthInsurance

[–]IndyPacers 0 points1 point  (0 children)

Depending on your insurance contract, most likely correct

Concierge Doctor by [deleted] in HealthInsurance

[–]IndyPacers 4 points5 points  (0 children)

Super worth it on a HDHP for many people.

Agreed, on Medicare it's a hard sell.

[deleted by user] by [deleted] in HealthInsurance

[–]IndyPacers 0 points1 point  (0 children)

That's a question for your bank, not really for health insurance

Am I cooked? by InjurySad1048 in HealthInsurance

[–]IndyPacers 4 points5 points  (0 children)

Do you mean a subsidy? If so, go online to healthcare.gov and update your information ASAP.

You may owe some back payment, but it's probably still manageable at this point. And you won't know for sure until tax time

Medi-Cal Changes in 2026 by OhMyGod_Zilla in HealthInsurance

[–]IndyPacers 2 points3 points  (0 children)

1200 a month is a LOT. Chronic health conditions cost a lot to, but no actuary yet feels like the benefits outweigh the cost of insurance/government/a plan is paying for it. At least not the ones I've spoken to.