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Well, I'd say a big problem over the years we're our public employees were all getting the Cadillac health care plan where they didn't have to pay anything at all....which their doctors of course knew, allowing them to charge for pretty much everything they wanted at the expense of everyone else.
What public employees are those? State level? Granted, I don't know what goes on on all over the country but I've never met a public employee who didn't pay a health care premium. Not denying that there may be some that don't but your statement implies (or I have inferred) that public employees are a big problem. That might be true if the all got free healthcare; however, I think most of them pay.
People don't understand the health insurance market. Don't be fooled by the "cheap" premium.
You will not qualify for these plans if you have a pre-existing condition.
A poor BMI is also disqualifies you from these policies. Most of the country has a poor BMI.
Outside of Medicare and Medicaid, BMI is the insurance industries best friend.
Your post is virtually moot...Millions of Americans do not qualify health insurance on the open market.
BMI? Who's problem is that? Certainly not mine or yours or anyone else's!!
BMI?! That's the argument? Good lord Ozzie! Then it sounds like we don't need healthcare reform....we need people to get up off their lazy asses and DO SOMETHING ACTIVE! Watch what they eat!
Ask me if I have sympathy for these folks! If what you say is true, then my sympathy for people just went down the schitter!
What public employees are those? State level? Granted, I don't know what goes on on all over the country but I've never met a public employee who didn't pay a health care premium. Not denying that there may be some that don't but your statement implies (or I have inferred) that public employees are a big problem. That might be true if the all got free healthcare; however, I think most of them pay.
Its significantly less than what someone is the private sector would be paying in NY.
Its significantly less than what someone is the private sector would be paying in NY.
I am in the federal workforce. I previously worked in the private sector for over 20 years. My health insurance increased when I moved to the federal government and my policy was worse, not by a lot but it was not as good.
I know the state is a very different matter.
I was just trying to point out that most public employees do pay for their insurance. While there may be small groups here and there that don't, it's probably not impacting the issues that are out there with health insurance costs.
But it is a good example of having some investment in your health care. If everything is given to you in the form of premiums, you have no incentive to keep costs down and be a wise medical shopper.
I am in the federal workforce. I previously worked in the private sector for over 20 years. My health insurance increased when I moved to the federal government and my policy was worse, not by a lot but it was not as good.
I know the state is a very different matter.
I was just trying to point out that most public employees do pay for their insurance. While there may be small groups here and there that don't, it's probably not impacting the issues that are out there with health insurance costs.
But it is a good example of having some investment in your health care. If everything is given to you in the form of premiums, you have no incentive to keep costs down and be a wise medical shopper.
Did you have the option of paying the difference out-of-pocket for the more expensive treatment?
I didn't ask. One day of chemo was more than 3 times my monthly salary. Paying on my own was not even an option, just as if I relapse, getting further treatment will not be an option even with my insurance.
I already forgo appointments, specialists, and medications that I need because I cannot afford them. I am in more debt that I can emotionally handle, and only a year ago I was completely debt free thanks to scholarships and working my tush off. I live bare-bones with roommates and work as much as I can possibly handle. It doesn't make a difference.
What a great system for health CARE here.............. Pay high premiums and high co pays for a term insurance that only covers you for the period that you are able to pay and then when you need the health care (that you are paying fortunes for) the insurance company will do everything in its power to deny your treatment, drugs or even drop you from cover once you have a chronic illness or put yur premiums up and up and up............ What a AMAZING system................ Not in a million years!!!!!!!!!!!
I didn't ask. One day of chemo was more than 3 times my monthly salary. Paying on my own was not even an option, just as if I relapse, getting further treatment will not be an option even with my insurance.
I already forgo appointments, specialists, and medications that I need because I cannot afford them. I am in more debt that I can emotionally handle, and only a year ago I was completely debt free thanks to scholarships and working my tush off. I live bare-bones with roommates and work as much as I can possibly handle. It doesn't make a difference.
my God this absolutely amazes me in the most powerful country in the World.
I have seen vagrants getting better and more comprehensive treatment in the UK than hard working American citizens get here.
This is sooooooooooooooo disgusting it is really beyond words....yet we get such outrage against the termination of unspecialised cells...... pity once we are born our "right to life" disappears........
I was particularly drawn to the group Ages 45-64, and the percentages seem rather high.
With real-life prices and inflation high, job security low, wages flat, premiums rising.
Lots of stuff going on.
But could they cut something out of their monthly budget and/or discretionary spending?
I'm not confident that most American's even know how to effectively budget, much less put that budget into action in order to afford their priorities.
Saying that they might not have the money according to economic indicators doesn't mean they don't actually have the money to pay for heatlh insurance.
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