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That policy is subsidized by your employer, don't you understand that? It has nothing to do with your healthy lifestyle, your employer kicks in a pile of money so that you only have to pay $100 a month
It cracks me up that people who get employer-based insurance don't get that they are being subsided by the company, who, in turn, is subsidized by the federal government for offering insurance. But people getting their subsidy through exchanges instead of through their employers--ONLY THEY are moochers.
It's willful ignorance that allows them to maintain the delusion that they are not every bit as much a moocher as those who go through the exchanges to get their subsidies.
That policy is subsidized by your employer, don't you understand that? It has nothing to do with your healthy lifestyle, your employer kicks in a pile of money so that you only have to pay $100 a month
Of course I 100% understand that since my company reports the overall cost of my plan and because I understand how these things work in general. Are you annoyed that I get good and inexpensive from my employer that I would like to keep?
My healthy lifestyle is to prevent me from having to use the plan now to avoid deductibles, but more importantly to avoid / reduce expenses later in life. I hope to be one of the lucky people that avoids the cost of things like heart medications, diabetes, and cancer which obviously get VERY costly.
It cracks me up that people who get employer-based insurance don't get that they are being subsided by the company, who, in turn, is subsidized by the federal government for offering insurance. But people getting their subsidy through exchanges instead of through their employers--ONLY THEY are moochers.
It's willful ignorance that allows them to maintain the delusion that they are not every bit as much a moocher as those who go through the exchanges to get their subsidies.
Incorrect, I fully understand how it works, so continue being cracked up by your own ignorance. Certainly not a "moocher" since my company pays for it as part of my negotiated compensation plan.
And your father never bothered to get a medi-gap or medicare advantage policy that would have covered that 20% ? I find that hard to believe.
He was not on Medicare at the time of transplant. He was under the age. He had his own health care insurance, the same he had for years. He did pay whatever was owed after insurance paid what they were supposed to, per his plan, as that was his responsibility. My point was, when turning age to get medicare he saw a "medical insurance planner" and was told that medicare will not cover his future costs and he had to buy supplemental policies. Now, if he was on Medicare at the time, he most likely would not have been eligible for the transplant if he did not have additional funds to pay. He had to go through very thorough financial screening prior to be listed to make sure anything not paid by insurance can be paid by patient. This may not be at all hospitals but it was a Columbia Pres in NYC. My father is lucky that he has done very well in his life and could afford all of this.
Of course I 100% understand that since my company reports the overall cost of my plan and because I understand how these things work in general.
Sorry but that makes no sense since in your post, your next statement was:
Quote:
Why should I pay more because it gets expensive for families or for other people? I fully expect to pay more when I'm older and have some inevitable issues that all older people encounter, which is also why I focus on saving as much $ as I can in my retirement accounts.
You seem to be inferring that your low premium exists because you are not subsidizing 'other people'. But you are, your employers group health premium is influenced by the insurers overall costs including the care of those pesky 'other people'.
He was not on Medicare at the time of transplant. He was under the age. He had his own health care insurance, the same he had for years. He did pay whatever was owed after insurance paid what they were supposed to, per his plan, as that was his responsibility. My point was, when turning age to get medicare he saw a "medical insurance planner" and was told that medicare will not cover his future costs and he had to buy supplemental policies. Now, if he was on Medicare at the time, he most likely would not have been eligible for the transplant if he did not have additional funds to pay. He had to go through very thorough financial screening prior to be listed to make sure anything not paid by insurance can be paid by patient. This may not be at all hospitals but it was a Columbia Pres in NYC. My father is lucky that he has done very well in his life and could afford all of this.
Everyone I have ever talked to understands that medicare part B only covers 80% of your medical bills. You can get a medicare advantage plan in most areas for no monthly premium, or you can get a very good medi-gap policy for $150-$200 a month. Your gripe seems to be that since your father payed into medicare, he should have 100% free healthcare, no co-pays, no deductibles, nada. I just do not see the logic that would lead you to that conclusion
Everyone I have ever talked to understands that medicare part B only covers 80% of your medical bills. You can get a medicare advantage plan in most areas for no monthly premium, or you can get a very good medi-gap policy for $150-$200 a month. Your gripe seems to be that since your father payed into medicare, he should have 100% free healthcare, no co-pays, no deductibles, nada. I just do not see the logic that would lead you to that conclusion
No, I never said that I expected him to get 100% free healthcare. I was just pointing out that in most cases Medicare alone does not cover a person enough so supplemental policies need to be purchased. That was my point. BTW: My father pays much more than 200 per month for his additional insurance. Maybe it differs state by state and case by case. I have no idea. All I know is that Medicare alone is not enough for seniors when they get sick.
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