Thread to talk about relatives gaming the system

[Rastiln]

@NerdAlert

I’ve only worked on it from a reserving standpoint, not a pricing or MGU standpoint, so I really don’t know how much the employer knows.

A laser can be applied to covered lives with very high costs - cancer treatments, chronic conditions, etc. I believe the stop loss provider has a limited number of lasers they can apply, and my understanding is that the aggregate deductible does not get increased by the amounts of the lasers (but hitting the agg deductible is not as common as hitting the spec deductibles).

And some contracts can be negotiated with no lasers - but those will incur higher premiums, naturally.

Pulled from a thread where this was an unnecessary sidebar leading to this.

That’s fucking terrifying to me as somebody who would probably be “lasered” because of the drugs I need for my body to function halfway normally.

It’s self-serving to want M4A but I’ll advocate for others with issues I am not affected by. M4A is important to me and we need to detangle medical care from employment. It sucks when I can’t afford to make “more money” at a different company because of healthcare.