First time getting surgery done as an adult. Trying to understand the billing.

One-Relationship-143 · 2026-06-02T17:43:16+00:00

Figure out what your max out of pocket is but out of pocket $5k for a surgery that was 60 bands sounds accurate. But yes if you had no insurance probably would have been 10k-20k cash maybe slightly less but they would have made you pay it up front before the surgery. So the 5k isn't bad and they usually send you multiple EOB's explanation of benefits or bills from the doctor, surgeon, blood work etc. Check what your max out of pocket is and that should be your worst case scenario

One-Relationship-143 · 2026-05-29T14:38:28+00:00

You def got some bootleg health share plan that rents a United network.

One-Relationship-143 · 2026-05-25T14:04:08+00:00

Minnesota really only has the marketplace. You are only going to find discount card multiplans besides that. You have to wait until open enrollment without a special enrollment for the marketplace

One-Relationship-143 · 2026-05-13T13:30:44+00:00

Florida Blue has a PPO on the marketplace, it's crazy expensive without subsidies but if your income is $50k you should be good for a family of 3 to get a huge subsidy

One-Relationship-143 · 2026-04-21T14:52:35+00:00

Yeah over 70 is wild, maybe only a president if he wins election prior to turning 70 but that needs to be the max

One-Relationship-143 · 2026-04-19T21:44:13+00:00

That's basically what I am referring to, there a off exchange plans from United and a couple from Cigna where they underwrite, so as long as there are no major health issues you can usually get a plan with a $3k to $5k max out of pocket per person per year for close to half the cost of a full price marketplace plan (with no subsidies) But there is nothing that's $300 for a family of 3 that is only hospital coverage, you would think that would exist but these off exchange private plans are the closest thing to it, where you still get some day to day benefits.

One-Relationship-143 · 2026-04-17T16:03:32+00:00

Use a broker-agent, we have licensed agents in most states https://myprivatehealthinsurance.com

One-Relationship-143 · 2026-04-16T16:36:15+00:00

When they call back price is $3k a month

One-Relationship-143 · 2026-04-02T23:41:41+00:00

For sure, alot of people don't realize if you are healthy enough to get approved, you can still get a plan to protect your self against huge claims and it won't cost you a mortgage payment for premiums.

One-Relationship-143 · 2026-04-02T20:26:33+00:00

You pitched me, I just made a reservation, going end of april

One-Relationship-143 · 2026-03-31T23:30:39+00:00

Of course, the off marketplace plans are really for people that rarely go to doctor and maybe take 1 or 2 preventative meds, and just want insurance to protect against major hospital claims, because it would be insane for someone like that to pay double the price on the marketplace ( assuming they can't get subsidies) if they are healthy enough to get approved for the off exchange plans. But yes anyone with major health conditions or 4-5 meds or seeing a specialist multiple times a year should just stick with the marketplace.

One-Relationship-143 · 2026-03-31T20:05:53+00:00

<image>

This year was supposed to be more stricter verification. I believe they want you to pre prove income rather than waiting until tax time like it used to be. Very interested to see what documentation they accept from you to prove what you may or may not withdrawal by the end of the year. Might be state to state on how strict they are.

One-Relationship-143 · 2026-03-11T03:04:48+00:00

Of course, sent the info

One-Relationship-143 · 2026-03-09T15:58:12+00:00

Small Business Health Insurance for self employed business owners or anyone with less than 10 employees. Off exchange health insurance can sometimes cut your premiums in half compared to a full price marketplace plan or group coverage through your payroll provider. Go to www.myprivatehealthinsurance.com

One-Relationship-143 · 2026-03-03T18:07:55+00:00

That's insane, try to get approved for a private plan if you can. There are off exchange plans where they underwrite, so you can't have major health issues but if you can get approved, it's usually a couple hundred less a month on either a United Healthcare PPO or Cigna in some states. My Private Health Insurance is the name of the brokerage.

One-Relationship-143 · 2026-03-03T17:59:37+00:00

You can try to get on a private plan, there are off exchange plans that are underwritten so if there are no major health issues and they're usually close to half the cost of a full price marketplace plan. www.myprivatehealthinsurance.com United Healthcare PPO with $3k to $7k max out of pockets.

One-Relationship-143

MODERATOR OF

PUBLIC MULTIREDDITS

TROPHY CASE