Need advise on renting out my motorcycle to other people

[FZRguy]

I agree that the health insurance companies run the medical industry in this country. Doesn't your policy have a "Max Out of Pocket" benefit? I have United and my max out of pocket for in network is $2500, out of network it is $5000.

[TinkerinWstuff]

I agree that the health insurance companies run the medical industry in this country. Doesn't your policy have a "Max Out of Pocket" benefit? I have United and my max out of pocket for in network is $2500, out of network it is $5000.

it's the result of government attempts at regulating the industry.

[DRKATO1]

can't remember max out of pocket but my yearly deductable is $2500.00

[bulldog]

can't remember max out of pocket but my yearly deductable is $2500.00

I work in this industry (sad to say), but you should be able to call your insurance provider to see what it is. Basically he is saying that if you meet that out of pocket that is as much as they can hit you for since you have valid insurance; well insurance companies are crooked so they will try to deny services so they get around this, but there is a max. At that point you have to appeal the payment and usually if you fight them enough they will pay. You should also look into setting up a flex spending account too because then medical expenses are not taxed and can save you a lot of money if the surgery is huge. Normally though you should only have to pay that $2500 deductible if you stay in network so the surgery is probably going to be covered more than you think if it is not a pre-existing condition that your insurance has flagged you with or non-covered!

Last you may want to see if your daughter would qualify for Medicare if this is a life disability. Most people think Medicare is only for people over 65 years old, but it is also for disability and ESRD (end stage renal disorder; kidney failure). May be worth applying...

[TinkerinWstuff]

I work in this industry (sad to say), but you should be able to call your insurance provider to see what it is. Basically he is saying that if you meet that out of pocket that is as much as they can hit you for since you have valid insurance; well insurance companies are crooked so they will try to deny services so they get around this, but there is a max. At that point you have to appeal the payment and usually if you fight them enough they will pay. You should also look into setting up a flex spending account too because then medical expenses are not taxed and can save you a lot of money if the surgery is huge. Normally though you should only have to pay that $2500 deductible if you stay in network so the surgery is probably going to be covered more than you think if it is not a pre-existing condition that your insurance has flagged you with or non-covered!

Maybe the rest of us need a new policy then cuz most of the folks I know have to pay their out of pocket deductible BEFORE the 80/20 kicks in. So you pay $2500 and then 20% of the overinflated list price of the hospital procedure (not 20% of the significantly reduced negotiated rate the insurance company actually pays). It's becoming more and more common to be able to obtain a cash quote for a surgery that will cost you less than running the same procedure through insurance.

[bulldog]

Maybe the rest of us need a new policy then cuz most of the folks I know have to pay their out of pocket deductible BEFORE the 80/20 kicks in. So you pay $2500 and then 20% of the overinflated list price of the hospital procedure (not 20% of the significantly reduced negotiated rate the insurance company actually pays). It's becoming more and more common to be able to obtain a cash quote for a surgery that will cost you less than running the same procedure through insurance.

Yup, every plan is different and some really suck! There are even plans with no deductibles where people pay zero for surgeries! All depends on what your employer and you want to pay for monthly! Shit you can even get two or three insurance and guarantee you never pay when a emergency comes up.