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Choice of four deductibles: $1,500, $2,500, $5,000 and $10,000.
that SUCKS
It's catastrophic heathcare. If my employer didn't provide benefits, that would be the only kind I would purchase. Just like I purchase car and home insurance with extremely high deductibles because I'd rather save money upfront and have to pay $2000 out of pocket for hailstorm damage rather than paying $5000 over the life of my house in inflated rates due to low deductibles.
It's catastrophic heathcare. If my employer didn't provide benefits, that would be the only kind I would purchase. Just like I purchase car and home insurance with extremely high deductibles because I'd rather save money upfront and have to pay $2000 out of pocket for hailstorm damage rather than paying $5000 over the life of my house in inflated rates due to low deductibles.
Exactly. People tend to forget that insurance started out as only catastrophic healthcare. Its come down to people expecting the insurance companies to pay for routine day to day $10 perscriptions for aspirin.. No wonder insurance is such a mess..
Exactly. People tend to forget that insurance started out as only catastrophic healthcare. Its come down to people expecting the insurance companies to pay for routine day to day $10 perscriptions for aspirin.. No wonder insurance is such a mess..
So true. Maybe that's how it should be. If we have to have socialized medicine it should be limited to catastrophic.
This is a little bit off topic... the insurance industry is anything but innocent in the health care biz... but this isn't really a debate about what's wrong with the insurance industry but about socialized health care which isn't a solution to anything. Yeah, the insurance industry does suck and needs some reform. I understand its a business and needs to make profit but honestly, exempting coverage for pre-existing diseases? That doesn't sound fair but as I said earlier, its not a topic about the insurance industry unless someone makes a new topic about the matter...
I would at least make it illegal for insurance companies to tie compensation for employees to denial rates for medical claims. That's a huge conflict of interest between public health and the financial health of the company.
This is a little bit off topic... the insurance industry is anything but innocent in the health care biz... but this isn't really a debate about what's wrong with the insurance industry but about socialized health care which isn't a solution to anything. Yeah, the insurance industry does suck and needs some reform. I understand its a business and needs to make profit but honestly, exempting coverage for pre-existing diseases? That doesn't sound fair but as I said earlier, its not a topic about the insurance industry unless someone makes a new topic about the matter...
What part of mentioning the origin of insurance is off topic with national healthcare? After all, it has everything to do with the reason people are even discussing national healthcare to begin with..
What part of mentioning the origin of insurance is off topic with national healthcare? After all, it has everything to do with the reason people are even discussing national healthcare to begin with..
I thought the topic was socialist health care. We can make a thread about origin of insurance if you want..
Illegals using our hospitals, then running off is one of the reasons why we're all paying through the nose for healthcare and it's an issue that needs to be addressed.
I posted you the website earlier.. I am not sure what an employer has to do with a PPO that you pay. The deductible is 5k and co-pay is $30. Anthem is the company. Even at your $79 biweekly, $160 a month... a $15/hour income can still afford it. If you can't, then you are living beyond your means and when you are hit with a serious illness. I ts other people's fault because they force you to live beyond your means? The thousands of dollars in that catastrophic event to save your life is the cost. Now, there is a cheaper way, but you might die... you have that option - and many people select the other and go figure they don't want to pay for it. You have the option to review what was charge and dispute the bill and they also HELP to arrange a payment schedule for you to make monthly payments. They are not asking you pay $10k right now and there...
Yes another debt to pay off. Sounds like the American way.
I end up paying for a plan with the hospital I work at and I am paying 25% of my paycheck to be covered (I make about 650 a month so I can afford time for class) I don't get a plasma TV or anything nice...I'm not seeing any benefit to the wonderful system that you people offer, I do see a lot of rich kids at the college I attend with everything paid for and they never worked for anything.
Thats what you right wings guys are complaining about, people getting something they didn't pay for, well I'm working in college and paying a much higher percentage of what I have to live on I shop at Save A Lot and get clothes at Goodwill, no Plasma and iPod here, just a computer that I needed to get for school and saved up 2 years to get. I also live in an apartment that costs $600 a month because thats one of the few places in Tucson you can live and not get shot! I live within my means and am paying way to much out for healthcare, while the rich people have it nice and easy and they get lots of stuff they didn't pay for. If I get sick I can't even go to the doctor because I'm still stuck living hand to mouth.
Of course I'm sure you guys will say I should move somewhere cheaper, I should just get a gun to protect myself and sleep with it under my pillow. Right.....
Here's another reason why a nationalized health insurance would be better. If people are just given the money to do whatever they want, landlords and realtors drive up the cost of living because of a larger amount of take home pay. People will neglect paying for health care because they need the roof over their head and you'll still have the problem.
I understand what you say but, the governments job is not to provide you with financial security - and, let's be honest, that is what you are seeking - total financial security - paid for by the taxpayers and guaranteed by the government.
I cannot endorse this.
Americans for years have faced financial crisis's of one sort or another - some very catastrophic - yet, most did not turn to Uncle Sam - most worked out their own problems.
And remember this - while you may have great insurance, if your illness puts you out of work and you lose your income - your medical bills may get paid - your electricty does not
Do you want the government to pay your light bill also?
Cmon greatday, lets not start taking leaps in logic. The health care system is broke. Most Americans, businesses, and health care practicioners and experts all agree. It is either 1 or 2 topping most Americans concerns along with Iraq.
Total Financial Security...nah, how about reasonable health care that is not grossly jacked up due to hospital inefficiencies with no incentives to improve, insurance companies pushing back on all their claims, and gross profiteering of insurance companies and pharmaceutical companies at the expense of the rest of society. Security that most Americans had... up until about 10 years ago. How/why is that so unAmerican?
Fact is most people don't have $20, 40, 60k in a jar for a rainy day should somebody get very sick or hospitalized in the family. If according to you that means they are not "living within their means" so be it. I say that is completely bogus. Especially when you are getting charged $50k for an operation where the actual expenses might only be $10k. You want to keep pumping profits up the pharmaceutical and insurance profits to new heights every year, hey your dime.
Last edited by bily4; 12-04-2007 at 08:07 PM..
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