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OICY, Medicare is a gov't plan and provides very good insurance for those in it. Other countries don't seem to have the problems providing universal health insurance for their citizens. You'd never find other countries wanting to switch to the type of health insurance system that the US has. Not ever.
So you want us to pour hundreds of billions into the federal government, and have those greedy, self-serving, corny capitalist, wasteful spending, vote-buying, irresponsible, incompetent boobs blow our money? At least the insurance companies have to not steal so much from us, that we drop their policy and change insurance companies. When government run single payer is the only game in town, they will care less what quality of service we receive, much less give a rat's ass about the cost.
Sorry, most Americans get their medical insurance coverage from their employer and therefore cannot, "drop their policy and change insurance companies." What you said is from Romney's "fire your insurance company" line, which may be an option for a multimillionaire but not most Americans.
Quote:
The real issue, unfortunately, is that very, very few people have the luxury that Gov. Romney is endorsing. Let’s say that you are self-employed, and lucky enough to have found a company to provide you with health insurance. Then, let’s say you develop cancer. You suddenly find out that your insurance company stinks. So you fire them, right?
Of course not. You’re screwed. Now you have a pre-existing condition. There’s not an insurance company out there that wants to cover you. So you don’t fire them. You scream, and curse, and cry, but you’re stuck. Only healthy people have the luxury of picking and choosing.
While you go for a long rant disparaging federal workers, none of what you said is true. The fact remains that the private health insurance system in the U.S. is the most expensive in the world and yields less than optimal results. Other systems that are government run insurance do the same thing far cheaper with better medical outcomes. One can cling to the right-wing ideology that the government can never do anything right or one can cross the line to reality.
What we do also find is that the U.S. is the only modern nation in which citizens have to go bankrupt in order to escape their medical bills. While someone above inferred it was because people don't save enough, only the rich can afford kemo therapy without insurance coverage. Thus, this group gives one the choice between medical debt or dying.
Sorry, most Americans get their medical insurance coverage from their employer and therefore cannot, "drop their policy and change insurance companies." What you said is from Romney's "fire your insurance company" line, which may be an option for a multimillionaire but not most Americans.
While you go for a long rant disparaging federal workers, none of what you said is true. The fact remains that the private health insurance system in the U.S. is the most expensive in the world and yields less than optimal results. Other systems that are government run insurance do the same thing far cheaper with better medical outcomes. One can cling to the right-wing ideology that the government can never do anything right or one can cross the line to reality.
What we do also find is that the U.S. is the only modern nation in which citizens have to go bankrupt in order to escape their medical bills. While someone above inferred it was because people don't save enough, only the rich can afford kemo therapy without insurance coverage. Thus, this group gives one the choice between medical debt or dying.
"Sorry, most Americans get their medical insurance coverage from their employer and therefore cannot, "drop their policy and change insurance companies."
Sorry, NOT true.
You are FREE to get on your companies plan or NOT. It is optional. You are NOT forced to enroll.
Many married couples choose one workers plan or the other. You are NOT EACH required to get the plan from your employer.
IF you choose to go outside you company plan and get your OWN policy you are FREE to do so.
In most cases it would cost you more but, you can if you wish.
We do know why, partly. Obamacare stipulates that 85% of what insurance companies charge for health insurance premiums has to go for patient care, and if it doesn't that money be returned to the holders of the insurance. As a result, millions of families this year received cash reimbursements of an average of $150 a year. It also requires any company that wants to raise premiums by more than 10 % justify that increase to the government, whereas before the health insurance companies were accountable to no one.
all insurance companies were held to state insurance agencies. You clearly dont know what you are talking about.
Last edited by CaseyB; 03-28-2013 at 11:10 AM..
Reason: language
"Sorry, most Americans get their medical insurance coverage from their employer and therefore cannot, "drop their policy and change insurance companies."
Sorry, NOT true.
You are FREE to get on your companies plan or NOT. It is optional. You are NOT forced to enroll.
Many married couples choose one workers plan or the other. You are NOT EACH required to get the plan from your employer.
IF you choose to go outside you company plan and get your OWN policy you are FREE to do so.
In most cases it would cost you more but, you can if you wish.
Yeah, that's really practical -- don't use your company's negotiated group policy and buy an expensive individual policy.
We do know why, partly. Obamacare stipulates that 85% of what insurance companies charge for health insurance premiums has to go for patient care, and if it doesn't that money be returned to the holders of the insurance. As a result, millions of families this year received cash reimbursements of an average of $150 a year. It also requires any company that wants to raise premiums by more than 10 % justify that increase to the government, whereas before the health insurance companies were accountable to no one.
Quote:
Originally Posted by pghquest
Bull ****, all insurance companies were held to state insurance agencies. You clearly dont know what the hell you are talking about.
One doesn't preclude the other.
What you are arguing is akin to this:
Me: "I drive a Ford."
You: "No you don't, you drive a blue car."
While states do regulate insurance companies so does the federal government and the ACA does, in fact, mandate that 85% of premiums must be spent on Medical care.
Quote:
If your company maintains a fully insured group health plan, it may have received - or will soon receive - a check from its insurer under the requirements of the so-called "85/15 Rule" of the Patient Protection and Affordable Care Act, which sets a 15 percent threshold (20 percent for certain smaller employers) on the amount of premium dollars insurers can spend on administrative costs (salaries, sales and advertising). Under the 85/15 Rule a health care insurer that uses less than 85 percent (80 percent for certain smaller employers) of the health care premium dollars it receives (calculated on a state-by-state basis) to provide medical care (doctors and hospital bills, as well as activities designed to improve health care quality) must either rebate the percentage difference between what it did spend and 85 percent (80 percent for certain smaller employers) to the covered employers by August 1, 2012, or apply the rebate amount to the employers' health insurance premiums due on or after August 1. Affordable Care Act Health Insurance Premium Rebates - News, Articles, and Events - Loeb & Loeb LLP
Yeah, that's really practical -- don't use your company's negotiated group policy and buy an expensive individual policy.
Sometimes that makes sense. I just got my wife on an individual policy that costs half of what it would cost to enroll her in my employer's group policy.
This article quotes a $15 fee at one place, but doesn't say where. Our office charges $30. The Denver VNA charges $25, half of which is considered a "donation" to the VNA. There's not a ton of variation. Nor are there huge variations in the price of a physical. Insurers reimburse on the basis of "usual and customary" charges for a given area.
This article quotes a $15 fee at one place, but doesn't say where. Our office charges $30. The Denver VNA charges $25, half of which is considered a "donation" to the VNA. There's not a ton of variation. Nor are there huge variations in the price of a physical. Insurers reimburse on the basis of "usual and customary" charges for a given area.
Most people would answer $15 (or whatever their copay is) and don't really know the cost of any procedure, drug, etc.
You being a nurse would know that.
Here's one situation I ran into. Had to get a TB test to be able to teach in one school district.
I had just moved and didn't have a new doctor yet. Local doctor would have charged $150 for it (out of network).
The county charged $10 but only did it one day a week when the nurse was there. Guess where I went ?
Why such a discrepency in price ? I could see a few dollar difference but a different of $140 ? That's outrageous.
When you are in the position that you will pay it out of your wallet then you do tend to shop around.
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