Recruiting Forum Football Talk [RIP 9.3.2019]

[Big Gucci Sosa]

who was the mystery commit..........that backed off?

No clue

 

[Nash_Vol97]

Insurance is the biggest scam, was just calculating up our monthly expenses trying to cut some cost and HOLY **** is Farm Bureau making some bank off us.

Medical/Dental/Life/Home/Auto...pay the home yearly the rest come out in monthly installments and it's ridiculous.

I sell life insurance. One tip that would probably help is to drop your life insurance if it’s with Farm Bureau. Companies like Farm Bureau, Allstate, State Farm, etc make majority of their money on Property/Casualty policies. Their life insurance rates are usually a lot higher for most people. Shop around at AIG Direct, SelectQuote, Zander, etc and see if you get better rates with any of their carriers they represent. It may be nice to have all of your insurance with one company but even after “bundling” discounts you are usually going to pay more in the end.

I had one guy that was paying over $100/month for only like 200k or so and I ended up getting him 500k for half the price he was paying with State Farm. So worth a shot to call and shop your policy.

 

[Catbone]

SIAP Pruitt said Trey Smith is "probably in the best shape of his life."

Doesn't mean anything unless he's cleared to play but here's hoping he is

 

[MoCo_Vol]

Unpopular opinion (maybe?)

I don't think a retired number should never be worn again. I say this because I dislike the repeating of numbers and 0-99 is only so many spots as is.

I like retiring a number, but it can still be worn. Because you're honoring the player not the number on the jersey so much.

Insurance Rant Cont. - Medical is the bigger scam, at least with auto I know if I get smashed I'm going to get something...and if I end up with medical bills resulting from the crash I can also get some of that handled. Not a fan of how difficult some insurance companies make the process or the fact you sometimes have to get a lawyer involved but end of the day you'll get paid SOMETHING.

Medical though...you pay a monthly premium (boy is it!) that does what? Cause it doesn't help with the deductible, and it doesn't help lower the out of pocket in anyway. One reason I actually like the idea of HSAs, current insurance isn't one but previous employer had one and I've still got a chunk there for emergencies. But at least that money can be used for something. Unlike a monthly premium that just goes out the door.

 

[jakez4ut]

Medical though...you pay a monthly premium (boy is it!) that does what? Cause it doesn't help with the deductible, and it doesn't help lower the out of pocket in anyway. One reason I actually like the idea of HSAs, current insurance isn't one but previous employer had one and I've still got a chunk there for emergencies. But at least that money can be used for something. Unlike a monthly premium that just goes out the door.

medical insurance these days is the equivelant of being a part of a discount club. it's basically like groupon. you pay the insurance company for the luxury of using their discounted rates. but only for certain things that they'll allow you to use it for, not for things that could actually help you....or that the doctor thinks would help you.

oh, and you now have the opportunity to save your own money to pay for all the medical bills you have, but you can't save too much, cause that'd be wrong.

 

[Rishvol]

Medical insurance is to doctors as how the board of education is to teachers. They have absolutely no experience in your field of expertise but they "know" they can do it better (and cheaper) than you

 

[Kingston Vol]

Unpopular opinion (maybe?)

I don't think a retired number should never be worn again. I say this because I dislike the repeating of numbers and 0-99 is only so many spots as is.

I like retiring a number, but it can still be worn. Because you're honoring the player not the number on the jersey so much.

Insurance Rant Cont. - Medical is the bigger scam, at least with auto I know if I get smashed I'm going to get something...and if I end up with medical bills resulting from the crash I can also get some of that handled. Not a fan of how difficult some insurance companies make the process or the fact you sometimes have to get a lawyer involved but end of the day you'll get paid SOMETHING.

Medical though...you pay a monthly premium (boy is it!) that does what? Cause it doesn't help with the deductible, and it doesn't help lower the out of pocket in anyway. One reason I actually like the idea of HSAs, current insurance isn't one but previous employer had one and I've still got a chunk there for emergencies. But at least that money can be used for something. Unlike a monthly premium that just goes out the door.

Private companies should not be allowed to make a profit off of healthcare. It’s immoral for one and two they don’t price it correctly.

 

[ChismsHeadband]

I like retiring a number, but it can still be worn. Because you're honoring the player not the number on the jersey so much.

Kinda like how LSU uses their #7.. Tyrann Mathieu, Leonard Fornette, Pat Peterson

That'd be dope, but it could definitely backfire, as it also did with the WR that transferred out after a lot of hype and an underwhelming 2018 season.

 

[chargervol]

I was shocked that after 2 years my insurance was actually fully covering something.
Ridiculous.

 

[ChismsHeadband]

Private companies should not be allowed to make a profit off of healthcare. It’s immoral for one and two they don’t price it correctly.

Profit motive is the only coherent argument I've heard for the system we have-- "Or else our hospitals will be like [insert country here] with long waits and subpar care"

Maybe we could get away with paying doctors less if we didn't charge $100k for them to get through college.

But this means we're muddying up the arguments by expanding the scope.

 

[VolGee4]

Medical insurance and the system is killing the middle class. Upper class has the money to pay what it needs. Lower class gets assistance. Middle class is paying for high premium/deductible plans and depending on your employer, also paying out of pocket for visits.

My wife and I made the conscious decision to have 4 kids. But I am self-employed, and I can't begin to tell you what we have paid in medical bills. I don't really have the answers either.

I am so happy that charger's insurance came through- I was happy to read that.

 

[MoCo_Vol]

If you ever wonder if something is corrupt or easy money and profitable just look to see if the government is trying to get involved.

see healthcare

Great question is why do I -need- to still have insurance where I'm paying a monthly premium to use/save in a HSA? Ridiculous to me, I get the limiting how much a person can put in each year because of taxation and such. But why can't I just HAVE a HSA and not get hit with a penalty for not having insurance?

 

[Tennessee Golfer]

Insurance is the biggest scam, was just calculating up our monthly expenses trying to cut some cost and HOLY **** is Farm Bureau making some bank off us.

Medical/Dental/Life/Home/Auto...pay the home yearly the rest come out in monthly installments and it's ridiculous.

You need to call me then (if you live in TN). I’m a State Farm agent in Knoxville and in most cases we’ve been much better than FB. We don’t deal in the medical/dental though.

 

[Tennessee Golfer]

I sell life insurance. One tip that would probably help is to drop your life insurance if it’s with Farm Bureau. Companies like Farm Bureau, Allstate, State Farm, etc make majority of their money on Property/Casualty policies. Their life insurance rates are usually a lot higher for most people. Shop around at AIG Direct, SelectQuote, Zander, etc and see if you get better rates with any of their carriers they represent. It may be nice to have all of your insurance with one company but even after “bundling” discounts you are usually going to pay more in the end.

I had one guy that was paying over $100/month for only like 200k or so and I ended up getting him 500k for half the price he was paying with State Farm. So worth a shot to call and shop your policy.

*cough* *cough*

 

[MoCo_Vol]

Profit motive is the only coherent argument I've heard for the system we have-- "Or else our hospitals will be like [insert country here] with long waits and subpar care"

Maybe we could get away with paying doctors less if we didn't charge $100k for them to get through college.

But this means we're muddying up the arguments by expanding the scope.

See that already highlights the problem. Most folk think doctor's are making too much. Simply stated, that's not who has driven up the insurance cost. It's with every industry, the workers (in this case doctors) are making pennies on the dollar compared to the CEOs (in this case of medical insurance companies).

The sky-high pay of health care CEOs

The CEOs of 70 of the largest U.S. health care companies cumulatively have earned $9.8 billion in the seven years since the Affordable Care Act was passed, and their earnings have grown faster than most Americans' during that time, according to an Axios analysis of federal financial documents.

Multi-million dollar salaries, some approaching 100 million for their companies figure head CEO. I don't know of any doctor making anywhere NEAR that kind of money. The insurance company is 100% pure administration, they don't do -anything- related to the practice of medicine or assist hospitals in staffing, equipment, facility care NOTHING. It's a huge money grab.

 

[ChismsHeadband]

If you ever wonder if something is corrupt or easy money and profitable just look to see if the government is trying to get involved.

Absolutely and regrettably agree here. Everyone has to make their cut. Right now it's insurance companies getting theirs as much as they can. If we do universal healthcare, the gubment will surely get theirs. (Full disclosure, I'm down with single payer, as if it weren't already obvious).. I think the question comes down to which system will take less advantage of us.

But why can't I just HAVE a HSA and not get hit with a penalty for not having insurance?

I get your point, I think, but this question specifically... I dunno what your monthly contributions are to your HSA, but unless it's a lot, or you go years and years without a hiccup, there's no way an HSA would be able to come close to pay for a lot of procedures. It's good for paying your premium and medical bills after insurance covers their part, but no way would the average person's meager contributions cover a surgery.

 

[Nash_Vol97]

*cough* *cough*

I have no qualms with State Farm as an agency overall. In fact, I have them for my car insurance. It’s a great company. But the life insurance rates are expensive. I have State Farm agents who have bought their life insurance through me because they knew this.

For the record, if I worked for a local agency style insurance company, it would State Farm. I would just get my life insurance else where.

 

[AWVOL]

Insurance is the biggest scam, was just calculating up our monthly expenses trying to cut some cost and HOLY **** is Farm Bureau making some bank off us.

Medical/Dental/Life/Home/Auto...pay the home yearly the rest come out in monthly installments and it's ridiculous.

Changed my auto last year after 25 years with farm bureau. Even after losing the bundle discount, I’m still saving $1,000 a year. I did keep my home policy with them.

 

[SLICKYINC]

All my insurance cars/atv/house/life is with State Farm, about 20 years now. I fell my head get busted every month. But I've never had to argue with them to cover anything.

 

[MoCo_Vol]

Absolutely and regrettably agree here. Everyone has to make their cut. Right now it's insurance companies getting theirs as much as they can. If we do universal healthcare, the gubment will surely get theirs. (Full disclosure, I'm down with single payer, as if it weren't already obvious).. I think the question comes down to which system will take less advantage of us.



I get your point, I think, but this question specifically... I dunno what your monthly contributions are to your HSA, but unless it's a lot, or you go years and years without a hiccup, there's no way an HSA would be able to come close to pay for a lot of procedures. It's good for paying your premium and medical bills after insurance covers their part, but no way would the average person's meager contributions cover a surgery.

You realize the HSA can't be used to pay the monthly premium unless collecting unemployment.

What I'm saying is (random number) a family plan cost $500 a month for premium, and includes a HSA attached to it. Well that $500 a month is just a "discount club" membership as jake said. I'd rather that $500 go into the HSA and not have to pay for the insurance monthly. Then with the HSA account I can essentially use it when I need it, rather than just burning cash to stay in a club that truth be told isn't giving the best benefits anyway.

$500 a month is $6000 a year. The max on a family HSA per year is $7000, thing is anything over $1000 can be invested within the HSA to make money for you. But if you're fairly healthy and only going for the occasional doctor's visit (around $200 or less). You should be able to grow that HSA.

 

[Enki_Amenra]

Oh, and no matter where you stand currently in life, please never take it for granted guys.

I know what you mean. I had a sudden health issue that required a lower bowel resectomy. I have a small business, insurance for workers but nothing for me.

$87,000 for the surgeons alone. $7k for er, $7k for OR services, $5k for anaesthesia, $10k for radiology. . . it just kept going.

Thankfully the hospital was kind and reduced the total to $80k since I had no insurance. Ruined me, but glad to be alive.

Never saw it coming. Any of y'all out there who don't have some insurance, invest in some. Could save you from losing a lot.

 

[InstrumentalVol]

I know what you mean. I had a sudden health issue that required a lower bowel resectomy. I have a small business, insurance for workers but nothing for me.

$87,000 for the surgeons alone. $7k for er, $7k for OR services, $5k for anaesthesia, $10k for radiology. . . it just kept going.

Thankfully the hospital was kind and reduced the total to $80k since I had no insurance. Ruined me, but glad to be alive.

Never saw it coming. Any of y'all out there who don't have some insurance, invest in some. Could save you from losing a lot.

$80,000 for something that was completely out of your control. That is insane. Hard to believe Americans routinely go into bankruptcy just because they get sick.

Glad you made it out alive my man, just shocking to see a real life scenario of this craziness.

 

[MoCo_Vol]

I don't even wanna go down the rabbit hole of the markup on US medical treatment... but here's some interesting numbers.

How do healthcare prices and use in the U.S. compare to other countries? - Peterson-Kaiser Health System Tracker

Cliffs: we pay a lot more for the same thing

 

[chargervol]

Don't know if applies to all but my Dr. specifically told me that the person denying my claims is awarded bonuses.
Still paying full price for 3 of my 4 medicines. My Dr. has personally been on the phone with them twice. They say it's handled, then I receive a denied letter shortly after.
Apparently they can stall long enough to get around any consequences of failure to meet obligations.

 

[VolGee4]

I know what you mean. I had a sudden health issue that required a lower bowel resectomy. I have a small business, insurance for workers but nothing for me.

$87,000 for the surgeons alone. $7k for er, $7k for OR services, $5k for anaesthesia, $10k for radiology. . . it just kept going.

Thankfully the hospital was kind and reduced the total to $80k since I had no insurance. Ruined me, but glad to be alive.

Never saw it coming. Any of y'all out there who don't have some insurance, invest in some. Could save you from losing a lot.

Unbelievable. Glad to hear you are well. This is what my colleagues and I always discuss- at least pay for a high deductible plan in case of an emergency.

Medical facilities usually set up a payment plan, and they cannot charge interest. If you pay on time, you can pay the monthly rate forever without it going higher.