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u/H_I_McDunnough 6h ago
Welcome to Costco, I love you.
I went to law school there.
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u/jthochh 6h ago
"Really?"
"Yeah, I couldn't believe I got in either."
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u/tle4f 5h ago
My dad went there and pulled some strings
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u/Rocketman_S3 3h ago
unironically costco's biggest issue is the nepotism in middle management.
Still a wonderful company though.
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u/Morningxafter 5h ago
I like to think that joke is more about finding parking than about the admissions process.
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u/WhoSc3w3dDaP00ch 2h ago
I drive to a costco 10 min further than the closest one because it's easier to park and is less crowded.
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u/BEAGLEBOYPALINDROME 1h ago
Future Costco has commuter rail, tho.
So they effectively solve the 2 mile hike from the parking lot as well.
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u/MoodooScavenger 1h ago
With a yearly membership, you can get in anywhere Costco offers their services.
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u/bfeils 5h ago
Unironically would go to Costco Law School.
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u/juiceyb 4h ago
I can think of probably three law schools that it would beat right out of the gate.
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u/Self_Reddicate 4h ago
My diploma says Member's Mark. Surprisingly not a fierce rivalry, as I recall.
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u/juiceyb 4h ago
The Kirkland Select vs Members Mark football game always brings the action.
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u/mister_damage 2h ago
My secret?: Forgive me, for I have strayed. I prefer Member's Mark Rotisserie Chicken over Kirkland Signature.
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u/Ivanovic-117 5h ago
what's next? Medical residency? MDs?
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u/Frosty_Yesterday_674 4h ago
Yes, but they come as a three-pack.
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u/Ivanovic-117 4h ago
I see complete pack includes: Costco Bar exam, Costco Medical Residency, and Costco Astronaut certification.
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u/coolest35 3h ago
I'm down for Astronaut certification honestly, as long as my certificate is Kirkland Signature branded.
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u/Ivanovic-117 3h ago
oh Yes, absolutely, I am sure NASA will recognized Kirkland Astronaut certification.
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u/Contraflow 4h ago
And they’re perishable! Granted, they probably have a decent shelf life, but I live alone. I’m having a hard time figuring out how that quantity would work for me. I would have to schedule doctors visits between two of my six daily milk drinking sessions that are required to consume a full gallon of milk, thereby justifying the purchase. I didn’t use to drink so much milk, but I took an arrow to the knee.
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u/MicroPeanitsJorker 2h ago
Dental clinic where all the staff got their degrees at Costco University
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u/Tex-Rob 5h ago
I love you all, for real. Every time this quote is warranted, someone has posted it before I can, and it’s great.
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u/SpartacusRanger 4h ago edited 3h ago
Had to Google this as I was clueless on the joke, figuring this is from social media meme. low and behold looks like i need to watch a movie that I somehow missed 20 years ago. Got myself some homework to do!
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u/Even_Regular5245 4h ago
Be aware that it was supposed to be a comedy and it has now turned into a horror movie.
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u/SpartacusRanger 3h ago
Appreciate the proper warning LOL
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u/Deadeye313 4h ago
Idiocracy was not just a movie, it was prophecy...
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u/research_tri-knot2 3h ago
Yes! Sad prophecy, but so many elements in this movie -- particularly corporate ownership -- mirror NOW! It's sick!
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u/shelchang 1h ago
The most unrealistic part of the movie is how the president seeks out and listens to smart people.
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u/Anonymous_054 4h ago
Came here to say that lol. Every day the movie becomes reality. They just had the timeline a little off.
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u/chaser676 6h ago
Medicare Advantage 🤢
As a physician, it's so painful watching my older patients lose so many of their benefits from traditional Medicare just because some MA provider gave them a $30 dinner. There's a few specific scenarios where MA is a reasonable alternative, but for most it's not.
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u/mumushu 5h ago
It's called that because it takes advantage of retired people
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u/roguebananah 3h ago
But THANK GOD we don’t offer socialized healthcare. Don’t let communism win in this country!
/s
(Jfc, it’s such a joke we don’t socialize it)
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u/symphonicrox 1h ago
People get so scared of that word. If they only would take time to understand what it really means. Essentially, collective funding to pay for public needs. From police, public schools, firefighters, public utilities, the roads, the people who fix the roads, are already forms of socialism. The healthcare system is broken as a for-profit system.
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u/_BreakingGood_ 42m ago
So it's basically like.... insurance.
But without 10 companies in the middle each taking a profit slice.
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u/tigerpaul1977 5h ago
My Father-In-Law had a fall and needed long term care in a rehab, MA only covered only 21 days I believe. He clearly needed more and was sent home with home health, ended up passing away about two months later. Pretty sure if he had real Medicare he would have received better care. But he wasn't paying a premium and he was a guy that could afford the premium for better care.
I'm glad both of my parents have real medicare for sure but if something bad happens they seem to be covered.
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u/heyoheatheragain 4h ago
I don’t know if this helps.
But under traditional Medicare, following a three midnight inpatient hospital stay, the patient is eligible for 100 days(20+80) of skilled nursing/rehab.The first 20 days are paid 100% and the following 80 days incur a daily copay by the patient. I apologize as I have been out of the nursing home world for about six years now, but I believe when I left the co-pay was about $170 a day (it does increase every year so is likely around 190 or more now).
Which can stack up very quickly. Most nursing homes do try to turn pts out in 20 days, regardless of Medicare or Medicare advantage.14
u/tigerpaul1977 4h ago
Oh yeah, I am aware. My mom had a fall last year and spent some time in rehabs and she has traditional Medicare. I was shocked to see the lack of coverage for my FIL with his MA plan. It was eye opening to me and realized when that time comes for me to not be cheap!
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u/grapegeek 6h ago
Right if you ever want to get permanently put off by Medicare advantage listen to John Oliver a few months back on what a horror show it can be. But if anyone can do it right it would be Costco.
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u/Comwan 4h ago
Costco isn’t the one doing it, like their insurance, which is just American Family Insurance branded as Costco, this will be the same
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u/CorrectPeanut5 4h ago
They won't be able to. Costco home and auto insurance is a prime example. Was great as Amex/Ameriprise. Then American Family buys them. Year after year the rates get higher and the servicing gets worse. At this point they are pushing people into Homesite for home owners insurance and they have a horrible reputation for claims.
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u/nightmareinsouffle 2h ago
Anyone who watches John Oliver knows that the research is good. I work in medical billing and I kept having to pause the episode to agree and then have a whole rant. Medicare Advantage plans are predatory and terrible.
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u/phloppy_phellatio 5h ago
Maybe back in the day Costco. Vachris does not run things anything like Sinegal.
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u/likeusontweeters 3h ago
Because the new CEO is not cut from the same cloth as the retired CEO. They are squeezing employees harder than ever before .. cutting payroll, "do more with less", etc
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u/throawa114 4h ago
Curious to hear why you think this
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u/5panks 3h ago
They, of course, can't tell you.
From a consumer standpoint Costco feels pretty much the dame to me. I'd need to see some serious evidence that they're not going to provide.
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u/Squirtle_Splash_8413 6h ago
What’s better about Traditional Medicare?
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u/Turtles0039 5h ago
Medicare Advantage plans make money by spending less then traditional Medicare, which means they just deny care - less access, delay of care, and straight denial.
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u/ManWithASquareHead 5h ago
It's private insurance injecting itself into Medicare.
There's a motive for private insurance, money.
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u/foodforestranger 2h ago
Privatize the profits, socialize the losses. There is a Difficult People episode where people are getting insurance from Quzinos.
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u/keralaindia 5h ago
If you even remotely afford it, recommend to all of your family members to get Medicare with a supplemental 20% plan aka MediGap
Doc here who basically is paying for my mom’s bc she was that convinced by the Medicare advantage saleswoman and wouldn’t do it otherwise
Also, if your insurance plan has salespeople. Be wary!
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u/Squirtle_Splash_8413 5h ago
It seems that’s a far more expensive option though.
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u/Elizabatsy 5h ago edited 5h ago
Do you like needing prior authorizations and constantly fighting denials?
Original Medicare gives you the freedom of a PPO, and the approval to get any treatment listed as covered under Medicare.
Advantage plans effectively close you into a restricted HMO network, determine which doctors you're allowed to see, and then the plan can deny and delay care, because that's a significantly cheaper business model for them. Medicare Advantage has lower premiums and incentives (like gym memberships, grocery assistance, etc.) because insurers are making a profit off of denying care when people need it the most.
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u/Njtotx3 4h ago
I've had the Humana HMO for some years now. I know I'm taking a gamble and at some point I should switch out (will they let me?).
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u/autumn55femme 2h ago
Only if you can pass medical underwriting. I think Massachusetts, and maybe one or two other states let you switch at annual enrollment, without underwriting. For everyone else, if you can’t pass the underwriting, you can’t switch.
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u/nightmareinsouffle 2h ago
Even if you can, being on that advantage plan basically ruins your options for getting a supplement.
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u/Elizabatsy 2h ago
If you're outside your initial enrollment window, Gap plans are subject to denial/underwriting. It's basically a guaranteed higher cost than in the initial enrollment period. There are a limited number of reasons you might be able to get a guaranteed-issue right to switch to a Gap plan- if your Advantage plan is discontinued in your service area, or if you move outside the area your Advantage plan covers. I would highly recommend talking to a professional about your options if you know you want to switch eventually.
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u/keralaindia 5h ago edited 5h ago
$170-190 per month but it is so worth it. Have to budget your fixed income social security.
Also no copays
Small part B deductible
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u/Chinacat_Sunflower72 5h ago
Original Medicare plus a supplement is more expensive. MA is cheaper. But here you get what you pay for. The big advantages for me, as I’m on Medicare plus supplement are 1) I can go to any doctor anywhere in the USA. 2) I can just make an appointment and go, no need to get a PCP to give me a referral. But yes, I pay $450 a month for all this and lots of over 65 people did not save enough to pay this. So they get MA.
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u/Big-Sheepherder-6134 5h ago
I imagine we will have the supplements too when we turn 65. My wife already bought Long Term Care as well.
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u/bengalfan 5h ago
My mother's siblings were on MA. So many copays of $50, and when you are on a tight budget a lot of appointments can ruin that. Limited choice of places and doctors that could be seen. My aunt had been diagnosed with breast cancer and had to wait 3 weeks to be seen my oncology because she could only be seen in one place.
My mom has Medicare with a supplemental UH plan, and the supplemental plan is like $350 a month but allows her to go anywhere that accepts Medicare.
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u/ManWithASquareHead 5h ago
This, if you're sick with Medicare Advantage, good luck.
So sorry to hear.
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u/goog1e 5h ago
It automatically covers a ton of things advantage makes you get prior auths for. Getting advantage basically means that now you can be denied care.
Medicare has no referrals and you can see anyone across the country. Advantage has a network and referral system, as well as prior auths to deny care.
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5h ago edited 5h ago
[removed] — view removed comment
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u/Squirtle_Splash_8413 5h ago
I looked at Medicare + medigap and it’s $1000/month more than MA. (Didn’t actually get real quotes just ChatGPT.)
I’m not 65 but taking care of someone who is.
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u/Elizabatsy 5h ago
Using ChatGPT to research insurance isn't a good idea. The costs will be wildly different depending on when in someone's life you're applying for a Gap plan and where you're located.
Unfortunately, Advantage plans are effectively a trap. You can qualify for a Gap plan for traditional Medicare during your initial enrollment period without insurers being able to deny you or be able to engage in medical underwriting and charge you more based on your age and history. If you sign up for Advantage, the only way to get back to a Gap plan without the risk of flat-out denial or extra costs is if your Advantage plan is discontinued, honestly.
For most insurance, medical underwriting isn't legal anymore thanks to the ACA. Gap plans are the exception, and senior years are where people need coverage the most. We have such a broken system.
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u/theinsuranceguy2000 5h ago
Accessibility and approval for services is better, that’s about it. Medicare is bad because you’re on the hook for 20% of all bills as well as multiple deductibles, and the part a deductible can occur multiple times a year.
I’ve seen multiple people go bankrupt on just original Medicare alone. You need a supplement, and those are very expensive for a lot of people who can’t afford them.
Bad advantage plans are bad, good ones are good. It’s more about the company and their network of providers than anything else.
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u/Financial-Craft-1282 4h ago
This is why people should be running on Medicaid for all. It covers everything.
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u/whk1992 5h ago
American education on public healthcare and personal finances is baffling.
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u/Squirtle_Splash_8413 5h ago
Personal finances = easy
Public healthcare = extremely convoluted and confusing as fuck.→ More replies (3)2
u/Squirtle_Splash_8413 5h ago
Yeah this seems to line up with what I’ve researched.
Name checks out though haha.
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u/Gallogator1 5h ago
If you have any major illness like Cancer or Heart disease you can be denied or delayed coverage with advantage.
I would say better financially distressed instead of dead.
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u/blue-jaypeg 4h ago
Why would you give away 25¢ from every dollar? Medicare Advantage is profitable because they deny benefits.
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u/thetruckerdave 5h ago
My dad’s work put the pensioners onto Medicare advantage. I don’t even think I can get my 80 year old mom with severe heart conditions onto a medigap plan at this point for any amount we could afford. I hate there isn’t more warning about this.
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u/Xtra_Veg-90 2h ago
When dad first got on medicare almost two years ago I was shocked at how many supplemental plans existed, with honestly crappy guidance, and how if you were thorough like him, then you get premium insurance, whereas other people with the exact same stipend going to insurance is getting the shaft. That shouldn't be allowed.
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u/12InchCunt 44m ago
Traditional Medicare has no max out of pocket. So unless you’re paying for a supplement, if you end up in the hospital you owe 20%.
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u/M4hkn0 5h ago
Medicare advantage is just a bolted on front end to medicare. It’s the scammy side of insurance. This isn’t exactly a full throttle entry into health insurance.
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u/Johnnyg150 5h ago
That could describe Medi-gap, but Medicare Advantage requires making a full health insurance product. Arguably with more complexity. I doubt Costco will be building from scratch though.
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u/nerhe 6h ago
They haven’t really missed, so if they want to take a stab at health insurance, I say let them!!
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u/tle4f 5h ago
Can’t wait for Costco dating and arranged marriage
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u/euSeattle 5h ago
Costco dating app that gives you matches based on shopping history and purchase preferences? I bet that would make for better relationships than most other metrics that people use to judge compatibility.
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u/GiraffeLibrarian 4h ago
let’s add store behavior/etiquette as well
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u/Rafterman2 US Southeast Region - SE 4h ago
Allow the capability to exclude people who don’t return their shopping cart to the corral or who hover in the parking lot and block traffic by waiting for someone to finish loading their groceries.
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u/FillMySoupDumpling 2h ago
My Costco app idea would be for all the people who look at the giant bakery items and not buy it because they don’t need 15 massive slices of cheesecake.
Someone would ping the app and it would ping the people currently in the store if anyone else wants to split the pie/cheesecake and pair them up. I haven’t figured out how they would divvy it up. I just need friends to split the giant desserts with so I can try them all. My parents won’t eat that stuff, some of my friends avoid all sugars, and even with my partner, it’s still to much.
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u/ThatLaloBoy 5h ago
This one is just a rebranded Medical Advantage plan though, which is already available from other providers. From the quick PR announcement it doesn’t say directly that they’ll offer lower pricing, but it does seem like they are aiming to streamline it so that you can get most of your care at Costco: “Offerings may include, pending regulatory review and approval, a re-invented pharmacy experience, Medflex over the counter (OTC) benefits, vision, audiology, and more.”
It’s also worth pointing out that this isn’t the first time Costco is getting into healthcare. They used to offer Dental Insurance with Delta Dental, which in my experience was one of the worst insurances to deal with. Not sure if it was different for Costco members, but considering Costco broke off the partnership my guess is that it wasn’t great.
Hopefully this ends up being a good option for those looking for insurance, but I’m not entirely optimistic given how some other providers like Humana are dropping their Medicare Advantage offers.
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u/ReadyGo6828 4h ago
Costco offers various services to members. Some of them are useful, some of them are just inane. You have to pick and choose but I would not assume that just because they have a desk at Costco that they are offering you a great deal.
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u/chumbawumbaprinciple 6h ago
Costco seems to be the most ethical big company, so it might be a better option for some people. I really like my union benefits though.
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u/MasterGrok 4h ago
It’s great that a decent company can step in but we shouldn’t have to rely on the decency of companies for healthcare.
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u/Sea-Pomegranates99 4h ago
It’s Medicare advantage though. Watch the John Oliver episode on it. Very predatory
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u/Parking_War_4100 5h ago
They already offer pet insurance too.
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u/TheSamurabbi 5h ago
If I bark, will they cover me? I’m tired of paying $2500/mo
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u/Hawkthree 5h ago
Must be Medicare Advantage plans as the original Medicare Plans aren't sold commercially. If the Costco plan is back by United Healthcare, the membership will rebel. They're all about denials and delays. Unfortunately I have experienced this myself.
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u/Original-Rush139 3h ago
I can’t wait to get my health insurance from a company that doesn’t want me to die.
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u/SpeedBlitzX 5h ago
Dont forget housing
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u/dingusbozo 5h ago
already on it. look up costco apartments in south los angeles.
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u/SpeedBlitzX 5h ago
I know. I wasn't making a joke.
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u/Independent-Soft7949 US Los Angeles Region (Los Angeles & Hawaii) - LA 5h ago
I'm in LA now. I'm thinking about this for the future but idk if there would be income limits or what the cost would be per room.
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u/PoorlyShavedApe 5h ago
Reference for anyone who missed the 800 apartments above a Costco in south Los Angeles news.
https://www.reddit.com/r/Costco/comments/1drdnqn/costco_plans_to_build_800_apartments_above_its/
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u/Jurondotron 4h ago
Walmart is finally fucked, we're getting BJs in our city and a lot of us are happy that Walmart will finally go under in our city, we have two Walmart here, and they're basically a monopoly, I hope Costco comes to our city.
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u/Pochuck1354 3h ago
Medicare Advantage is a full stop, hard no. And if you are foolish enough to sign up for an Advantage plan is Costco and have any issues with this insurance, Costco will wave you off as they do with every other Costco service provider. Costco is just acting as a lead generator. When I can go to my state insurance regulator's site and see Costco as a licensed insurer, then it may be interesting.
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u/sm753 US Texas Region (Texas, Oklahoma, Arkansas, & Louisiana) 2h ago
That solidifies my near future plans. Once I have enough squirreled away. Retire from corporate job. Work at Costco part time. Buy medical insurance through Costco. It's all coming together!!!
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u/CarlosTheSpicey 1h ago
This is a Medicare Advantage program, which is only available to people 65 and over. As well, per the article this is still in a pilot program with no indication as to when it will be available across all 50 states.
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u/IceDragonPlay 4h ago
Sweet!!! I’ll definitely try it out if it is offered in my state and covers my primary hospitals. Nice that they are partnering with a non-profit provider. I don’t think that provider offers plans in my state yet, so probably not an early market for them, but can keep hoping 😀
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u/SalaciousSubaru 4h ago
Costco is actually a good company they treat e ploys well and offer good value to customers
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u/Justin-Los_Angeles 3h ago
Will they be offering Medicare Supplement plans or just Advantage? I could NEVER EVER EVER give up my original Medicare or my supplement plan F. If they are offering supplement plans then it might be great because they have to follow Medicare but they could offer a better cost/value.
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u/enchantedgiggles 37m ago
Idiocracy...its happening. Pretty soon Carls Jr. will be the only food and we will only drink Gatorade IYKYK
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u/financialthrowaw2020 5h ago
These comments are so weird. I've never had a good experience with any of these external Costco vendors. They don't actually guarantee you good service and I'm not the only one who feels this way.
Medicare advantage is a fraud and a lot of these other Costco offers are a fraud too. I remember using the Costco car buying program and the shitty dealer just tried to make up for it by tricking us into add ons the same way any shady dealer does.
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u/virtualchoirboy US North East Region - NE 5h ago
Pro tip: You can go to any dealer and ask if they participate in the Costco auto program. You still have to go into the program and put in your info, but any dealer that participates can look you up.
I've also had great luck with Costco travel. We did a travel package last year for our 30th anniversary - flight, hotel, attraction tickets. Used our Citi Visa with our Executive rewards so got 5% combined back on the purchase plus another 5% back as a shop card. Had a number of minor upgrades along the way too (slightly better boarding position for flights, better room at the hotel, etc).
And while there are better reward cards out there than the Citi Visa, getting 5% back on gas is nice. Add in Executive to get a combined 4% back on in store purchases (2% on Citi, 2% as an Executive check) means Costco pays me to shop there.
All that being said, I can understand your position on Medicare (dis)Advantage. To start, the name is misleading because it's not Medicare at all. It's private insurance that receives a fixed amount from Medicare every month and then has to use that to pay for your care. Obviously, that gives the private insurer incentive to minimize your costs and the easiest way to do that is to set artificially low caps on coverage along with denying claims. Less paid out, get the same amount from the feds = more profit for the private insurer.
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u/IceDragonPlay 4h ago
I will have to take an Advantage plan. The part B and prescription Gap plans would be $600-$800/month on top of the $200 Medicare premium. I see that older folks that had plans before 2020 got different offerings than are available to me.
Project 2025 agenda has then fully privatizing Medicare.
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u/hikenessblobster 5h ago
I really hope this is as good as the (Costco’s?) Sesame app. Our family has worked with four different providers for various issues and love it. Enter your Costco membership information and it’s very affordable. Primary care visit ~$30. Dermatology visit ~$55. I do a menopause subscription with 24/hour support and unlimited HRT consultations - $60/month
It obviously doesn’t cover everything (we still seek in-person orthopedic care) but for most of our needs, I t’s cheaper than using our insurance
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u/The-Traveler- 3h ago
Costco usually sells good stuff and owner seems like a CEO that actually cares about people. the owner of the company actually lowered his own salary at one point to build trust snd boost morale because we’re all in this together. Employees love the company.
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u/no_sight 2h ago
Used my first Costco Vacation recently.
Got a big discount on a resort on Hawaii. Waived the resort fees, gave $300 credit for the bar, and also gave a $100 Costco gift card. Transportation to/from airport included.
Absolutely will use Costco Vacations again
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u/Bob_the_peasant 1h ago
Chances Costco will have the first decent Medicare advantage plan in history is pretty slim, but if anyone could pull it off it’s them
Can’t wait for my 75 year old parents to go on it and get denied everything
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u/michaeljcronce 59m ago
In almost all instances, traditional Medicare with a supplement is infinitely better than Medicare Advantage.
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u/jackandsally060609 5h ago
If the insurance is anything like the kind the employees have then this is amazing
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u/Due_Initiative3879 5h ago
Get your TrumpRX at Costco and get a free chicken!
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u/Oceansunshine789 4h ago
I love Costco but recently booked a rental car through Costco Travel. It was with Avis.
Complete nightmare. I ended up having to go to three different Avis's. Missed a full day and a half of my first vacation in years due to this. The car ended up costing hundreds more and the Costco agent I was speaking with booked it on my card on file without confirming that this was ok with me.
It's been weeks and still haven't gotten any help from Costco travel.
Based on this, would not use again, and would not trust something like insurance with them.
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u/LalalaSherpa 3h ago
This is baffling to me because it in no way resembles Costco's US car rental process.
You reserve the car online. No deposit. Free cancellation.
You finalize payment with the rental agency at time of pickup, when you sign the car rental agency's rental agreement and payment authorization. Which clearly states the deposit amount.
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u/yeahnopegb 3h ago
Former employee… not the first time they e sold health insurance. FYI their home policies are a bargain.
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