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Location: Foothills of Maryland Blue Ridge mountains
993 posts, read 766,974 times
Reputation: 3163
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Quote:
Originally Posted by andywire
Everyone I know going to a doctor is being told that they are unhealthy or dying. I'm glad I dodged that bullet. Going to the doctor just doesn't fit into the budget anymore, so I just stick with working 14 hours a day. Thanks Obama, for your super awesome job of fixing the economy and health care
-Angry as hell tax payer
Are you insured through ACA? Are you self employed? Do you work 14 hours a day for an employer who doesn't offer health insurance? I'm guessing you earn very low wages and are unable to afford an insurance policy with a reasonable deductible? You can't afford a doctor's visit at any cost?
Do they have doctors who treat patients on a sliding scale in Detroit? Visit the social services agency and see what they can offer you. It angers me that those of little means can't afford health care. And the republican health care plan will only make life more miserable for low income folks like yourself. It's a pity and an outrage.
Maybe. I agree about the Medicare issue; I'm saying "maybe" to the rest, that is, that she knows what she's talking about. Her plan in 1992 (?) was set up from a lawyer's POV, to ensure that patients could still sue doctors.
HillaryCare 1993 was much more than malpractice reform. It was basically HMO's on steroids. That has drastically changed since then, starting with Harry and Louise. But Hillary has taken a great deal of time with HC reforms and listening to all sides in the HC arena for a very long time now. We docs weren't happy with it, fearing too much loss of control.
The premiums are so high and deductibles even higher that going to a doctor is for most people not affordable.
Many people postpone to see a doctor and just protect their belongings from a major disaster like getting cancer, heart attack, stroke and/or accident.
Health insurance is not helping many people as people wait longer and longer to see a doctor and are their illnesses may have progressed due to longer waiting to see a doctor.
The left is talking about people who before Obamacare didn't have insurance and now have insurance which sounds great. But what about the people who could afford to see a doctor and now have such a high deductibles and high premiums and are actually the new "uninsured" as they can't pay out of pocket to see a doctor!
We are one of these families that hardly can't afford health insurance anymore...but we already paid out of pocket to exceed our deductible as unfortunately disaster didn't skip our door this year. I guess we are blessed to have health insurance.
There are millions like us. Having insurance but can't hardly afford to see a doctor.
Thanks to the previous government and the false promises!
What the heck are you smoking? MOST people? Most people get insurance through their employer, and premiums are not onerous. I, for example, pay about $150 per month for a high-deductible plan. I never put off going to the doctor because, even though it might cost me a couple hundred bucks, what the heck, my employer kicks $1000 per year into my HSA.
Prescriptions are about 10% of our HC costs. Most patients are on generic meds and these are relatively cheap. It is the few patients that are on the few exorbitant cost meds that move our numbers up. Like my wife's Imbruvica @ $98K/yr retail last year. ($10/mo co pay with her Obamacare)
this racketeering of drugs in the USA is a scandal Companies are thrilled their lobbying payoffs continue to work.
Even Democratic representatives take these payoffs and vote to suppress imports etc.
Charging 100k in the US is so profitable it is worth them losing sales and lives. Those same companies then use the $100k full asking price they get in the USA to drive hard bargains outside the USA. thus they get vastly more than they otherwise would in market like the UK .
They can use the Massively overpriced US number to justify high prices outside the USA. And while they never get as much from foreign govs they do get really high prices.
The foreign govs use the collective power of their purchasing to hold down prices. If the seller wont give them a deal on the $100k drug they say, "cool, but we are no longer going to buy your other 25 drugs we will seek deals elsewhere"
The USA lacks these powers only because of highly paid highly persistent lobbying. Those lobbyists provide funding for those seeking election and often write "guides" for bills maintaining the status quo and building moats, or making regulations even more favorable.
There is a reason we see confirmed dark blue and hard as hell Red elected reps voting in ways that hurt Americans, and it is because they are making a compromise, sacrifice med costs to get election funding.
To fix this and almost everyone of these problems we need to get mony out of all elections, end PACS etc.
Or build a trillion dollar consumer fund that pays elected members of state to NOT take money from Koch bros, pharma oil tech..etc.
The premiums are so high and deductibles even higher that going to a doctor is for most people not affordable.
Many people postpone to see a doctor and just protect their belongings from a major disaster like getting cancer, heart attack, stroke and/or accident.
Health insurance is not helping many people as people wait longer and longer to see a doctor and are their illnesses may have progressed due to longer waiting to see a doctor.
The left is talking about people who before Obamacare didn't have insurance and now have insurance which sounds great. But what about the people who could afford to see a doctor and now have such a high deductibles and high premiums and are actually the new "uninsured" as they can't pay out of pocket to see a doctor!
We are one of these families that hardly can't afford health insurance anymore...but we already paid out of pocket to exceed our deductible as unfortunately disaster didn't skip our door this year. I guess we are blessed to have health insurance.
There are millions like us. Having insurance but can't hardly afford to see a doctor.
Thanks to the previous government and the false promises!
I think in some cases, it's better off to get only Emergency medical room visit insurance (if there is any such thing exists?) - and, just go to the doctor for a yearly checkup and pay for medications from your pocket, and negotiate to get a settlement when they bill you for lab tests. (usually they give you 30% off) and you can pay it installments. It gets a lot cheaper to take care of your health.
Just a thought...
I have the best possible health insurance package through my "VERY PRESTIGIOUS" Employer, and I paid $600.00 as co-pay for a routine yearly check-up and a few lab tests (I think it was 4 or 5 of them).
What's the point of paying health insurance premiums ??
Those of us who have insurance through our employer were only moderately harmed by Obamacare, with the exception of people who kept their children on insurance to age 26 who benefitted. The ones who got really screwed were the successful self-employed.
I pay about $300 a month with $25 dollar copays ,$75 for specialists. $15 maximum for prescriptions.
this racketeering of drugs in the USA is a scandal Companies are thrilled their lobbying payoffs continue to work.
Even Democratic representatives take these payoffs and vote to suppress imports etc.
Charging 100k in the US is so profitable it is worth them losing sales and lives. Those same companies then use the $100k full asking price they get in the USA to drive hard bargains outside the USA. thus they get vastly more than they otherwise would in market like the UK .
They can use the Massively overpriced US number to justify high prices outside the USA. And while they never get as much from foreign govs they do get really high prices.
The foreign govs use the collective power of their purchasing to hold down prices. If the seller wont give them a deal on the $100k drug they say, "cool, but we are no longer going to buy your other 25 drugs we will seek deals elsewhere"
The USA lacks these powers only because of highly paid highly persistent lobbying. Those lobbyists provide funding for those seeking election and often write "guides" for bills maintaining the status quo and building moats, or making regulations even more favorable.
There is a reason we see confirmed dark blue and hard as hell Red elected reps voting in ways that hurt Americans, and it is because they are making a compromise, sacrifice med costs to get election funding.
To fix this and almost everyone of these problems we need to get mony out of all elections, end PACS etc.
Or build a trillion dollar consumer fund that pays elected members of state to NOT take money from Koch bros, pharma oil tech..etc.
Pharma needs to profit, and the risks and costs of new drug introduction are very high. Usually there are ways to get these very expensive meds to those in need but without the funds for full retail price. Thinking along the lines of making HC delivery more like a utility may provide some direction in where to compromise and go with this dilemma.
I think in some cases, it's better off to get only Emergency medical room visit insurance (if there is any such thing exists?) - and, just go to the doctor for a yearly checkup and pay for medications from your pocket, and negotiate to get a settlement when they bill you for lab tests. (usually they give you 30% off) and you can pay it installments. It gets a lot cheaper to take care of your health.
Just a thought...
Well this would be like a catastrophic HC plan + HSA. And good idea for many people.
I have the best possible health insurance package through my "VERY PRESTIGIOUS" Employer, and I paid $600.00 as co-pay for a routine yearly check-up and a few lab tests (I think it was 4 or 5 of them).
What's the point of paying health insurance premiums ??
well clearly it is not as good as you think. Maybe you are younger and picked a high deductible plan because you wont use it much....
we have high deductibles because for us that is the best option, we like to shove money into our HSA and pay from checking, this way we have that HSA for tax free use later in life.
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