[lordofduct]

1600 a month is still insane, no matter if its deductible. Most people I know don't even make that much money in a month to live on (of course they'd have their insurance subsidized)... but no matter who you are, 1600 a month is INSANE (for a single individual that is... I'm assuming this was an individual plan). Especially considering that it doesn't include his condition, as was clarified. And if what his broker does turn out true... I don't want to know what then.

This post has been edited by lordofduct: 30 October 2013 - 10:20 AM

[supersloth]

mostly it sounds like the broker is really fucking him over on a lot of fronts.

[lordofduct]

Agreed, that's why I was shooting for clarity on where he was getting those numbers. The broker, or healthcare.gov.

[aidenkael]

supersloth, on 30 October 2013 - 10:26 AM, said:

mostly it sounds like the broker is really fucking him over on a lot of fronts.

It would be the first time in the three years I've done business with her. I go to her because she tells me straight, and she gets the best deals because she can go search for every deduction and what not.

The other thing is she gets paid the same amount from me every month no matter what happens. She is like a personal assistant for insurance. I pay her a set amount and she finds me insurance deals and manages my claims. There would be no reason for her to lie to me at all, in fact, it is the exact opposite. Them more policies I book through her the more she gets paid, so it is in her best interest to find me the best possible deal, not screw me over.

This post has been edited by aidenkael: 30 October 2013 - 10:33 AM

[supersloth]

hey if you have that much faith in her congratulations, it sounds like you're the one getting ass-reamed. if that status quo is good enough for you who am i to say otherwise? i'll just be over here under incredibly similar circumstances spending all the money i'm saving on hookers and blow.

[aidenkael]

supersloth, on 30 October 2013 - 10:35 AM, said:

hey if you have that much faith in her congratulations, it sounds like you're the one getting ass-reamed. if that status quo is good enough for you who am i to say otherwise? i'll just be over here under incredibly similar circumstances spending all the money i'm saving on hookers and blow.

If you're so sure she is the one somehow making things expensive, then tell me how? Remember, she doesn't set the price, negotiate the price, or in any way have any say in the price at.

This post has been edited by aidenkael: 30 October 2013 - 10:37 AM

[macosxnerd101]

Quote

If you're so sure she is the one somehow making things expensive, then tell me how? Remember, she doesn't set the price, negotiate the price, or in any way have any say in the price at.

By the same token, shop around with another agent or broker. See what rates they give you.

[supersloth]

if she doesn't have any effect on the price why are you even hiring her? you just love paying middlemen for no reason?

[aidenkael]

macosxnerd101, on 30 October 2013 - 10:39 AM, said:

Quote

If you're so sure she is the one somehow making things expensive, then tell me how? Remember, she doesn't set the price, negotiate the price, or in any way have any say in the price at.

By the same token, shop around with another agent or broker. See what rates they give you.

Already have. Called two other brokers and they told me the exact same thing.

Brokers don't actually do any price adjusting. The only thing they do is manage your policies, talk to the insurance when you file a claim, and if necessary go to court for you. They make money and gain clients through the fee they charge for their service and the quality of service. Not every broker has the same connections, for instance, my broker does Auto through Citizens, Geiko, and State Farm, but not through AAA. In the healthcare market however, every broker must be certified on the exchange as of October 1st. They all get the same options.

supersloth, on 30 October 2013 - 10:39 AM, said:

if she doesn't have any effect on the price why are you even hiring her? you just love paying middlemen for no reason?

Your car was never destroyed by a tornado was it? She went to bat for me when the insurance company decided that they only owned me $2000 on a car that cost $25k (said tornado where not covered under "not at fault damage"). She went to court and won me all $25k of my car. That's why you get a broker. The insurance companies don't want to pay you, and a broker fights them on your behalf.

[supersloth]

then maybe she's just a lot better at that part of her job than finding you affordable insurance.

[aidenkael]

supersloth, on 30 October 2013 - 10:55 AM, said:

then maybe she's just a lot better at that part of her job than finding you affordable insurance.

Man, y'all don't understand the fact that she doesn't have any control on the price do you?

[supersloth]

let me clear this up for you, in bullet points, since maybe that will help you.

• you are getting FUCKED
  
• you have a broker
  
• you claim your broker has no control over price
  
• if your broker does not have control over price, you will continue getting fucked
  
• GO DEAL WITH PEOPLE WHO HAVE CONTROL OVER PRICE
  
• if you do not go deal with people who have control over price, you will continue getting fucked
  
• if you do not take this on yourself, and continue with the status quo, you will continue getting fucked
  
• YOU will be responsible for this

[aidenkael]

supersloth, on 30 October 2013 - 11:05 AM, said:

let me clear this up for you, in bullet points, since maybe that will help you.

Oh this will be good.

supersloth, on 30 October 2013 - 11:05 AM, said:

[*]you are getting FUCKED
[*]you have a broker,

Yet you still can't tell me how I am getting fucked

supersloth, on 30 October 2013 - 11:05 AM, said:

you claim your broker has no control over price
[*]if your broker does not have control over price, you will continue getting fucked
[*]GO DEAL WITH PEOPLE WHO HAVE CONTROL OVER PRICE,

And who might that be oh wise one. The insurance companies that set the prices in the first place? The government that is 17 trillion in debt and wants to nickle and dime me?

supersloth, on 30 October 2013 - 11:05 AM, said:

if you do not go deal with people who have control over price, you will continue getting fucked
[*]if you do not take this on yourself, and continue with the status quo, you will continue getting fucked,

Again, tell me who to talk to about prices. I will go have a big long heart to heart with them just for you

supersloth, on 30 October 2013 - 11:05 AM, said:

YOU will be responsible for this
[/list]

Well, in a way, it is my fault. I didn't do enough to prevent this act from being passed. Should have run for congress in 2010 shouldn't I have......

Let's see if you can come up with an answer to "how am I being fucked".

[supersloth]

aidenkael, on 30 October 2013 - 12:11 PM, said:

And who might that be oh wise one. The insurance companies that set the prices in the first place?

YES

[aidenkael]

supersloth, on 30 October 2013 - 11:13 AM, said:

aidenkael, on 30 October 2013 - 12:11 PM, said:

And who might that be oh wise one. The insurance companies that set the prices in the first place?

YES

Well, unfortunately, I called them already. They very politely told me they don't negotiate prices.

You really have never bought insurance have you?

Still no response to how I'm getting fucked...... I'm beginning to think you know that I'm not, you just can't admit it.