Stating that obvious: Trump is sabotaging ACA so that he can force a plan on us that will be far worse (salary, heroin)
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
Which polices are NOT high profit?? Insurance companies just like with anything else are in business to make money plain and simple. If something bad happens to me I've always told my wife just to push me off into a ditch. I get a head slap for that.
There is a reason a lot of high rises have insurance company names on them.
What to do when your own healthcare plans suck balls and everyone knows it?
Improve your plans so that they offer reliable coverage across the American population spectrum? Nah...that would be "socialism."
Instead, let's sabotage ACA! Lots we can do to destabilize the thing and make premiums skyrocket. Then our ****ty plans will look better by comparison and we can force people into submission.
The net result will always be one and the same: tens of millions losing coverage and a proliferation of crappy coverage options that allow insurance companies to bend you over and **** you hard if you actually get sick.
Because here in America, we value our "freedom" to "choose" NOT to have quality coverage if we get hit by a car, get cancer, or have a heart attack! God forbid we lose that important right!
ACA has real flaws that could use fixing, but Republicans have never had ANY answers to improve healthcare, because their naive free market principle approaches fundamentally don't work for healthcare. Never have, never will.
"Us" (see your thread title)
Really?
Given your description of your life in some past posts, I'd bet that you have a generous, private, employer sponsored and largely employer paid for plan, that doesn't leave your needs unfulfilled, and you AREN'T subject to the individual market.
This is ignoring reality. Republicans are blissfully forgetting that the premise for Obamacare was that insurance premiums were skyrocketing, those with pre-existing conditions could not get ANY coverage and many many many would pay years for coverage, get an expensive illness and the insurance company would cancel them and call their illness a pre-existing condition. Stop pretending health coverage was wonderful. It absolutely wasn't.
Per the bold.
It was for me, and that's all that matters.
As it should be for everyone else.
Stop worrying about the collective, it's their responsibility to be gainfully employed. It's their responsibility not to engage in habit forming and unhealthy habits.
Live right, and worry about yourself. No longer an issue. Reality is what you make it/live it.
Want to shoot heroin smoke pot drink in excess smoke 3 packs a day sleep around and catch diseases live off of greasy nasty fast food and wash it down with a big soda, you get what you pay for, and you alone should pay for it. And if your health insurance company raises your premiums due to drug alcohol tobacco use and STD transmission or cut you loose like an auto insurance company does to a drunk driver when they wreck. Ohwell. Should have thought about that before you engaged in foolish behavior.
Genetic disorders are a completely different topic with a different approach and problem in of itself.
What to do when your own healthcare plans suck balls and everyone knows it?
Improve your plans so that they offer reliable coverage across the American population spectrum? Nah...that would be "socialism."
Instead, let's sabotage ACA! Lots we can do to destabilize the thing and make premiums skyrocket. Then our ****ty plans will look better by comparison and we can force people into submission.
The net result will always be one and the same: tens of millions losing coverage and a proliferation of crappy coverage options that allow insurance companies to bend you over and **** you hard if you actually get sick.
Because here in America, we value our "freedom" to "choose" NOT to have quality coverage if we get hit by a car, get cancer, or have a heart attack! God forbid we lose that important right!
ACA has real flaws that could use fixing, but Republicans have never had ANY answers to improve healthcare, because their naive free market principle approaches fundamentally don't work for healthcare. Never have, never will.
And where is the money coming from for your socialized medicine? Let's bring back good jobs in industries that can afford to provide health insurance as a benefit to compete with other employers, and everyone get a job and pay for their health insurance based on their needs rather than having everyone pay for a premium policy for those that don't care about their health, constantly run to the doctor, take 10 prescription medications, they started with one and a chain reaction of side effects had to be treated, nonsense surgery and dozens of tests referred to as "preventive" (which really means taking care of yourself in the first place).
Oh, boo-hoo, what if people actually have to carry the burden of their own healthcare. Well, help support kicking the illegal aliens out and that will be several billion to serve citizens who can't afford healthcare, make that necessary healthcare!
I realize the younger generation feels entitled to have all of their expenses covered like they did when they were at home as a child, but that isn't the real world.
"Freedom to choose"? Yep, use the money being spent on drugs, movies, eating out, cable tv, internet service, brand new cars, alcohol, vacations, etc. to buy health insurance or choose not to buy health insurance. The poor are covered under Medicaid, and illegal aliens just use the emergency room at 3 times the rate of a citizen and to birth their anchor babies.
ObamaCareNot was a system devised to break the country, so far it has failed. This wasn't about affordable healthcare but pumping up insurance companies because as we lost jobs, especially good ones, more people were not buying health insurance, so those companies padded the pockets of the politicians. Nearly as many people became bankrupt from medical debt as they did before ACA. ObamaCareNot was NEVER about affordable healthcare, everything but that.
Which polices are NOT high profit?? Insurance companies just like with anything else are in business to make money plain and simple. If something bad happens to me I've always told my wife just to push me off into a ditch. I get a head slap for that.
The capped ones the ACA forced. The old margins on the **** policies were way higher.
The only way to address health care costs is to take it out of the private market. Whenever a service such as health coverage is in a private market, the profits must increase year over year or it is a failing business. Ask any stock analyst. Health coverage is not like car insurance because there are alternative modes of transportation. We don't have spare bodies. So a person with a debilitating illness has no choice but to pay costs that are ever-increasing year over year. All publicly held companies must report increased earnings year over year. They have zero incentives to reduce costs when they must report to shareholders.
Correction. One way to reduce health care costs is to take it out of the private market. There are other ways to do it, though.
Removing insurance from the equation would be the quickest way to reduce health care costs, at least for everyday health care. Next time you go to the doctor, look around and see how many people are on the payroll that do nothing but deal with insurance claims. In my doctor's office, that number is a whopping 7. Think about that, 7 people do nothing but deal with insurance. They aren't nurses, doctors, or any sort of medical care provider. They are billing specialists, who make approximately $40k per year at the low end. This means that my doctor's office is paying about $280,000/year in salary alone for these people, and that doesn't factor in any of the extra costs such as ESI, taxes, or workers comp. Easily $350,000 per year is being spent on employees who would be completely unnecessary without the involvement of insurance companies in everyday health care.
Limiting the markup percentage that is charged by hospitals on necessary medications and equipment would be one way of reducing the costs of more comprehensive health care. My wife works in the durable medical field (she actually is one of those people who deals with insurance companies all day) and most people would probably faint if they knew how much care facilities are overcharging them for equipment. Aside from the typical $10 for a Tylenol stories that you hear from hospital patients, more complicated machinery has an enormous markup. A TENS unit, for example, can be billed at up to $200 depending on your insurance company. Cost on this item, however, is about $18 from the manufacturer. A wheelchair, which I've seen billed to insurance companies at nearly $1K, has a cost value of about $90-$200.
I found out how much cheaper cash-paid healthcare was when I stopped using insurance. With insurance, my copay was $80 for a basic visit. That was my cost after the insurance company paid their portion. Paying cash, I'm charged $50 because my doctor is thrilled to not have to wait for the insurance company to pay. For medications, the generic ones that my insurance company approved of cost $25 to me. Brand-name medicines ran about $40-$60 out of my pocket. By pharmacy shopping and using goodrx along with paying cash, I can get generics of the same medicines for $9-$12 a prescription. Brand name, I'm still in the $50 range this way, but that's without having to pay insurance premiums. Overall, basic medical care costs me about half of what it did when I was using insurance to pay for doctor visits. And I'm not paying any premiums.
Yeah, yeah, everyone is supposed to sign up for insurance. Sorry, but I'm not going to send money to a company that won't even start to pay for anything until I hit $10,000 out of pocket when I can pay cash and end up paying less than I did when I had insurance. When I was working for an employer that paid for a portion of my insurance, I tolerated it. Since I've now gone back to self-employment, I'll keep my hard-earned money for things that are actually necessary, such as making sure my family is taken care of.
The biggest flaw with Obamacare was that it made insurance a necessity, when it never should have been. The actual costs of healthcare could have been addressed in much more direct ways, and not involved forcing American citizens to do business with the very industry that caused healthcare costs to rise in the first place.
It's like that. When people go without insurance, we all pay when there is a problem.
When people have ACA insurance, or Medicaid, they can go to a family practice clinic or Urgent Care clinic for antibiotics.
When they don't have insurance, they go to high cost Emergency Room to seek treatment for their staph infections.
Guess who picks up the cost for for the ER visit?
CBO says dropping Trump's move will cost us all $200 billion.
Sweet, eh?
Not entirely true.
I've seen people go into doctors offices urgent care facilities and pay out of pocket.
My sister, a nurse practitioner sees it all of the time.
Only instead of writing a script for antibiotics to be filled by CVS and cost $$$ she has them filled by grocery store and private owned pharmacies that fill antibiotics at no charge, just your signature and proof of ID.
You know who runs to the ER unnecessarily? Young and unfit parent who's screaming toddler has an ear infection. Yes there's also people who put things off until it's life threatening before acknowledging they have an issue requiring immediate attention.
The majority of cases my sister saw when she was working in the hospital were either unfit parents with JR wailing over an ear infection or putting off seeing a doctor and putting their health first.
And when she rotated in the emergency room, since kids don't go and play outside anymore, the video games have kept falls with fractures to a almost non existent level. Only time she had treated fractures, we're related to car wrecks, motorcycle wrecks, and workers comp cases where someone slipped and fell or faulty equipment and safety practices...
Poll nurses and doctors in hospitals and offices. See how many see urgent legitimate emergencies compared to munchausen syndrome or hypochondriac visits.
What to do when your own healthcare plans suck balls and everyone knows it?
Improve your plans so that they offer reliable coverage across the American population spectrum? Nah...that would be "socialism."
Instead, let's sabotage ACA! Lots we can do to destabilize the thing and make premiums skyrocket. Then our ****ty plans will look better by comparison and we can force people into submission.
The net result will always be one and the same: tens of millions losing coverage and a proliferation of crappy coverage options that allow insurance companies to bend you over and **** you hard if you actually get sick.
Because here in America, we value our "freedom" to "choose" NOT to have quality coverage if we get hit by a car, get cancer, or have a heart attack! God forbid we lose that important right!
ACA has real flaws that could use fixing, but Republicans have never had ANY answers to improve healthcare, because their naive free market principle approaches fundamentally don't work for healthcare. Never have, never will.
This is the Executive Order that President Trump just signed. Exactly which part do you consider "sabotage"?
It just expands choices, adds and doesn't subtract. Have any of you even read it?
What to do when your own healthcare plans suck balls and everyone knows it?
Improve your plans so that they offer reliable coverage across the American population spectrum? Nah...that would be "socialism."
Instead, let's sabotage ACA! Lots we can do to destabilize the thing and make premiums skyrocket. Then our ****ty plans will look better by comparison and we can force people into submission.
The net result will always be one and the same: tens of millions losing coverage and a proliferation of crappy coverage options that allow insurance companies to bend you over and **** you hard if you actually get sick.
Because here in America, we value our "freedom" to "choose" NOT to have quality coverage if we get hit by a car, get cancer, or have a heart attack! God forbid we lose that important right!
ACA has real flaws that could use fixing, but Republicans have never had ANY answers to improve healthcare, because their naive free market principle approaches fundamentally don't work for healthcare. Never have, never will.
The so-called ACA sucks balls.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
Insurance companies just like with anything else are in business to make money plain and simple. If something bad happens to me I've always told my wife just to push me off into a ditch. I get a head slap for that. 
