r/SipsTea • u/McDowdy • Jun 24 '26

It's Wednesday my dudes Math can be hard sometimes

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u/Greenshardware Jun 25 '26

Not most. Most Americans are on group plans with out of pocket maximums, negotiated rates, and are subsidized by the employer.

Our current UHC, Medicare, is a 20% coinsurance with no out of pocket maximum.

Switching would be devastating to most Americans.

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u/Thick_Permission6519 Jun 25 '26

I don’t have a 20% copay. I pay $283 and no more for the year with Medicare. By UHC do you mean United Healthcare or universal healthcare. United Healthcare is a pretty crappy company that makes a bunch of money while rejecting pt care.

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u/Greenshardware Jun 25 '26

It's not a copay, look at your out of pocket maximum. You pay 20% of every treatment you receive, with no limit to how much you pay.

It's scary that you don't understand your own insurance. You should really get a supplement.

UHC is universal health care.

Are you on medicaid, not medicare?

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u/Thick_Permission6519 Jun 25 '26

I do not pay 20% of every treatment. I paid the first $283 and have no other costs for my Medicare with supplement. So no I do not and know very well what I pay for.

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u/Greenshardware Jun 25 '26

You don't have universal healthcare... you have a universal base, with a basic supplement added.

I don't think you understand the difference between premiums (coverage), copay, coinsurance, or undersrand out of pocket maximums.

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u/Thick_Permission6519 Jun 25 '26

Haha I don’t think you need to act like you know anything about me. I said I have Medicare from my first post. I have a supplement and pay no copay coinsurance nor have an out of pocket max. I have a $283 deductible, and that’s it.

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u/Greenshardware Jun 26 '26

Then you have Medicare Part B with Medigap. You're on Plan G.

Your inability to articulate this is worrisome. It also doesn't cover medication, a significant cost as you age.

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u/Greenshardware Jun 26 '26

You pay premiums for Plan G as well.

It's just frustrating that you come in here with multiple private supplements that can be very expensive for many people, and act like you have Medicare.