How much is "fair" to purchase health insurance for a family of 4? (fast food, legal)
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It's like asking 'How much is fair to charge for a house?'
Well it depends on where you want it, how old you want it, how many bedrooms you want, how many bathrooms you want, do you want a basement, and on and on.
There is no 'one size fits all' house for every American family.
And the same is true of health care, which is why the liberal approach of treating every one 'the same' is a recipe for failure.
That will change with obama's plan. You will be taxed/penalized if you don't join a plan.
As I stated in the post that you referenced, I HAVE joined a plan.
As it is now, if you own a home, don't join a plan and get very ill, you ARE penalized unless you have a ton of cash to pay the medical bills. I think a broken arm is about 10k now. The only group that isn't penalized are those with no assets to lose who have no coverage. It is the taxpayers that get penalized for them, by paying their uncompensated care.
maybe what this country needs is a catastrophic medical pool that people can join voluntarily. i think most routine medical care is able to be absorbed by the population and people are mostly worried about a catastrophic event where they might lose their homes. wouldn't that be a better option than forcing healthy people to subsidize people with poor lifestyle choices, hypochondriacs, drug seekers, people scamming the system, etc.
everyone knows that there is a large amount of fraud already in the government run medical programs and that would just be amplified, with taxpayers absorbing even more fraud. the CBO already said that there are not enough safeguards in place and that costs will most certainly rise under this new plan.
Free absolutely free. If I have to pay for insurance I will not be able to have cell phones, video games, cable TV, drinks with my friends, consume so much food that I can be morbidly obese. It is my God given right to take the labor of those who work in health care, they owe it to me, do you hear me their labor is MINE!!!
And come to think of it, I want housing for free too. I don't care I got a mortgage I couldn't afford it is my God given right to live in a McMansion, the government better bail me out.
Location: Jonquil City (aka Smyrna) Georgia- by Atlanta
16,259 posts, read 24,750,914 times
Reputation: 3587
Quote:
Originally Posted by nicet4
Monthly payment for a family of four with the following co-pays and deductions.
Dr. visit co-pay $30
Specialist visit co-pay $60
Prescription $10 generic $20 non-generic
$1,000 deductible for family.
The funny thing about it is that most insurance only offers rates of "single" and "family" and they do not care how many people are in your "family"- the rate is the same whether you have no children or have 8 children. What is needed is 3 rates- "single", "spouse" (for married couples no kids) and "family" (for married with kids). That way, if you have 2 kids and make less than $57,000 a year or so, you can buy for you and the wife and put the kids on Peachcare (SCHIP).
My daughter recently broke her arm. We are now patients of a well regarded children's hosptial with a pediatric orthopod specialist. We are now getting all kinds of "this is not a bill" type statements from far flung places nowhere near the hospital ... I wonder how much money could be saved by reforming ADMINISTRATIVE costs and HEALTH INSURANCE COMPANIES procedures!
I'm tired of hearing about how terrible hospitals and doctor's fees are, when, in fact, it's the bureaucratic and administrative layers that is killing the system and dictating to physicians the level of care they provide. Why can't we start there???? Let doctors be doctors without them having to kowtow to some suit in some building who has no clue what is it that they are doing.
My daughter recently broke her arm. We are now patients of a well regarded children's hosptial with a pediatric orthopod specialist. We are now getting all kinds of "this is not a bill" type statements from far flung places nowhere near the hospital ... I wonder how much money could be saved by reforming ADMINISTRATIVE costs and HEALTH INSURANCE COMPANIES procedures!
I'm tired of hearing about how terrible hospitals and doctor's fees are, when, in fact, it's the bureaucratic and administrative layers that is killing the system and dictating to physicians the level of care they provide. Why can't we start there???? Let doctors be doctors without them having to kowtow to some suit in some building who has no clue what is it that they are doing.
The U.S. has the most bureaucratic health care system in the world. More than 31 percent of every dollar spent on health care in the U.S. goes to paperwork, overhead, CEO salaries, profits, etc. The Canadian single-payer system operates with just a 1 percent overhead.
Insurance companies are an unstoppable parasite. Every year they wand to take more out of the system and provide less. They own Washington too...
The U.S. has the most bureaucratic health care system in the world. More than 31 percent of every dollar spent on health care in the U.S. goes to paperwork, overhead, CEO salaries, profits, etc. The Canadian single-payer system operates with just a 1 percent overhead.
Insurance companies are an unstoppable parasite. Every year they wand to take more out of the system and provide less. They own Washington too...
Shoot, I'd take 10% over 31% ... why isn't anyone pandering to this issue??? In defense of bureaucracy ... can you imagine how many people would be out of work if they truly reformed the system from the middle????
Location: Jonquil City (aka Smyrna) Georgia- by Atlanta
16,259 posts, read 24,750,914 times
Reputation: 3587
Quote:
Originally Posted by shorebaby
Free absolutely free. If I have to pay for insurance I will not be able to have cell phones, video games, cable TV, drinks with my friends, consume so much food that I can be morbidly obese. It is my God given right to take the labor of those who work in health care, they owe it to me, do you hear me their labor is MINE!!!
And come to think of it, I want housing for free too. I don't care I got a mortgage I couldn't afford it is my God given right to live in a McMansion, the government better bail me out.
OK for that argument, look at it this way- if we can cut the cost of healthcare and have everybody paying into the system, that is LESS you have to pay and then you can spend money on other things like those you listed above. That is good for the economy because, for example, the cable TV company will make more and need to hire more pole jockeys to install and fix cable TV which means they will get a paycheck that they can spend on other things. And the more drinks you have with friends, the more deleivery drivers and the more beer factory workers in Milwaukee will have jobs which will raise the economy.
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