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Originally Posted by V_RocKs
My girlfriend and her kids have Kaiser. Everyone talked shit about it when I went to get my own so I got it through the National blah blah of self employed (idiots)... I pay $160 a month and I don't get squat for insurance. I used to work for Stater Bros. Markets where I got head to toe for 100% free... I remember thinking the sky was falling when they instituted a $10 copay for office visits and a $5 for medications. How dare they!
Well... My colar bone broke. At the time I didn't make as much as I do now. It had broken before so I basically set it myself and all of that jazz... Had I went in, my portion was going to be $500 to the hospital and $175 to the doctor. Fuck them.
So my GF and her kids have Kaiser through her ex-oldman. He pays $550 for the whole familiy which at the time I thought was outrageous. In the last 2 years her 15 year old daughter broke her wrist playing softball ($45 copay), popped her knee out requiring MRI/x-rays and 3 visits to a specialist ($100 in copays) and then sprained her ankel ($25 copay). Her 13 year old daughter broke her nose playing softball and they reset it, then had her come back 2 months later and did plastic surgery to remove the bump ($80 copay), she had her appendix taken out ($120 copay). Her exhusband had a hernia fixed ($100 copay), the end of one of his fingers stiched back on when he cut it off with a ban saw ($120 copay) and his jaw wired from a bar fight ($80 copay). My GF is made of rocks.. she doesn't go the doctor...
Me and her ex decided to add up the bills and figure out the costs for my insurance with the same problems. My insurance would be the same monthly for a family of four (although they wouldn't cover my GF for free seeing as how they are divorced, but being as it is, the costs per month are made even). But the copay on all of this shit for my insurance would have hit a little over $5000! He paid $670!
Anyone who says Kaiser sucks doesn't know the true story about health insurance outside of a company paid policy. Insurance has went to shit!
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That's odd because Kaiser was recommended to me again. I like doubling up on insurance and my sister, a top nurse, gave me the real deal on medical bills and insurance. I won't go into it here as it's too long, but in my case I've never been sick. No broken bones, sprains etc. Just stitches and bruises. You figure 30 years of martial arts and all I've gotten is zilch as far as injuries go. Swordfighting too. So I have no medical history nor pre-existing conditions. Only in the past few years have I ever been ill and it all boiled down to stress from pollution here in Cali!! Didn't know pollution could fuck you up so bad!
So with me, my rates are so low it's stupid. I can walk to Kaiser's main hospitals and they had a lady there at the desk one day with one bad fucking attitude so I turned Kaiser down for me and my crew. Even the EMTs and fire dept. bitched about this lady's attitude. Great way to lose customers. So recently another LAFD pal told me what her problem was and still suggested Kaiser. I'll look into it again this week and make a final decision.