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PaperclipPerfector  10d ago (text post)   2004 thread views

Wellness Wednesday for February 12, 2025

The Wednesday Wellness threads are meant to encourage users to ask for and provide advice and motivation to improve their lives. It isn't intended as a 'containment thread' and any content which could go here could instead be posted in its own thread. You could post:

  • Requests for advice and / or encouragement. On basically any topic and for any scale of problem.

  • Updates to let us know how you are doing. This provides valuable feedback on past advice / encouragement and will hopefully make people feel a little more motivated to follow through. If you want to be reminded to post your update, see the post titled 'update reminders', below.

  • Advice. This can be in response to a request for advice or just something that you think could be generally useful for many people here.

  • Encouragement. Probably best directed at specific users, but if you feel like just encouraging people in general I don't think anyone is going to object. I don't think I really need to say this, but just to be clear; encouragement should have a generally positive tone and not shame people (if people feel that shame might be an effective tool for motivating people, please discuss this so we can form a group consensus on how to use it rather than just trying it).

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I use a high deductible Sedera plan. They're not legally allowed to be called insurance even though they're more like the textbook definition of the word.

Basically I pay out of pocket for everything but if I have a medical "event" that costs more than $5,000 they'll cover the overage. Premiums for my family of 4 are about $4800/y instead of like $22k for normalfag insurance (which also has high deductibles).

My waifu and I are in our 40s though and don't have too many events. Might be different if we had chronic illnesses.

's so expensive and I've seen contrarian takes to the effect that you can get a better deal on basically everything by not being insured

Yes. This part has been eye opening. You can basically pay 20-40% of billed prices if you shop around.

This is awesome and cool to see in the "grey" market.

The only thing that's better is the Cigna Expat plan. The properties are as follows

  • You must be domiciled in the US
  • Your US based employer must be having you work abroad
  • The premiums are low, like $500/mo
  • You pay out of pocket
  • You submit expenses and they reimburse you 100%

Turns out if you're high value and healthy enough to send abroad, insuring you is really cheap

There's probably also

  • There's a decent chance that any medical event they would be on the hook for happens at a foreign hospital, which, on average, is going to be a whole lot cheaper than a US hospital.

For reference, $500/mo for health insurance is very expensive even in HCOL and high-GDP-p.c. countries like Switzerland, Liechtenstein or Norway.

Yeah I dunno man. After UK NHS told my (then) wife it would be a year wait to see a psychiatrist (to continue her mood meds she was on in the US), we found some Covent Garden psychiatrist that charged £300 for her once monthly sessions and it was all no problem and reimbursed at 100%

I don't think it's normal for a health insurance plan to let you just see any specialist with zero triaging and cover 100%

I really have no idea what their limits were. I went to a private GP to get a health certificate to run the Paris marathon, and it cost £100, and that was reimbursed. A years worth of sports physical therapy was also reimbursed 100%

I could only conclude the cohort was so healthy that even our splurging didn't matter.

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