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I had a awesome plan with humana. Covered a lot of stuff. low deductible , chiro visits, even had to have a outpatient surgery which was covered completely.....
After Obamacare passed. Humana completely discontinued the plan, dropped me and I was insurance-less.....
Now the rates shot up again and im scared because my wife is pregnant and i have no idea what to do for insurance this year... Its completely annoying to keep going through this same issue every year.... Then the government keep sending me crap. I just want them out of my health business.
A friend of mine just had a baby. She got some plan that covered her for up to a year after birth (?, I think that's right, probably some Medicaid crap). Anyway, long story short, she had insurance for the hospital. Now, they would have covered the doctor also, trouble was she couldn't find a doctor that took that plan (that's why I'm thinking it must have been one of those Medicaid plans, we don't have many doctors who take Medicaid here). So, she paid out of pocket for the doctor. In other words, insurance took care of the hospital bills, she paid the doctor bill herself. You might look around because the hospital costs are usually the expensive part.
This is true. Two years ago I had to change doctors. Not because she was leaving practice or moving somewhere else. She is still in the same office she has always been in. But my insurance carrier dropped her practice from my coverage.
People who are whining about the cost of insurance need to start placing the blame where it belongs, squarely on the middle men insurance companies, whose only concern is grabbing as much of our healthcare dollars as they can for their own profit.
Cut out the middle man and prices will drop. What service do they provide anyway, aside from trying to deny anything and everything they possibly can?They add absolutely nothing to the quality or value of healthcare.
Thinking it's more likely, your MD made a business decision to not accept your plan because other plans reimbursed her at a higher rate. Some ( a minority) of MDs/medical practices do not accept Medicare- the US version of a sort of Single Payer System.
In terms of value-add of an insurance company, it's their $ paying the claims.
We have insurance, but now the rates are well over 1000 a month.... so I have to pay 12K in rates, then the deductible , and then the additional charges/bills for hospital stay ....... what a joke!
I know a couple of people who have needed surgeries and couldn't come up with the deductible. They contacted the billing department to explain this and were transferred to someone who said they work with people all the time, so if it's going to be a hardship, you might consider that. Both hospitals reduced the amount they owed for their deductible significantly. Just know they'll ask for proof of income and living expenses, etc.
And yet, you remain an active part of a civilized society. You could go live in the woods, forage for food and be totally self-supporting. But you don't. Why? Because you enjoy the benefits of a civilized society. You just don't want to have any responsibility for supporting the benefits you willingly partake of.
Quote:
Originally Posted by maat55
Are you under the impression that all societies have had welfare and socialized healthcare? I’m curious, how many other species practice this?
Quote:
Originally Posted by JAMS14
Everyone knows that bears and coyotes and groundhogs do. Oh, and I heard giraffes in sub-Saharan Africa have fabulous health plans!
Ask a stupid question, get a stupid answer.
It was a good question, for those who understand ... freedoms.
There isn't any where a person can go that they are not going to get yanked back in and forced to pay taxes. That is thanks to people for over all the past centuries who have the notion 'freedom' is something one pays their government to grant them; not inherent in nature.
It's truly sad that American culture extols the virtues of greed and stinginess to such levels we actually have an argument if tax payer dollars should go to making sure everyone has health care.
And if that screening uncovers cancer? Or the need for a triple bypass? Or an organ transplant, or dialysis or some kind of extensive surgery or hospitalization? Who pays for that? Because that certainly isn't covered under this act, which only deals with emergency treatment.
The ER will only stabilize you. What happens to you after that is not their concern.
You're exactly right, of course. You'll get no challenge from me.
We might have a conversation about what "stabilize" means, but you are not wrong.
For someone who is marginally employed and has no money the 8,000 deductible might as well be 80,000. I have a renter like that, and she has multiple myeloma, which will some day kill her.
They have already declared bankruptcy and somehow she has found access to medical assistance - probably through being accepted by Medicaid or something like that. She goes to the doctor regularly and has had a knee replacement. I don't feel comfortable asking her the particulars, so I never have.
It doesn't look to me as if the ACA really solved anything. And at this point I don't think the issues being discussed here will ever be solved. One thing the ACA did do, was to "teach" the American public that the government is responsible in some way for your health care - either by providing it outright or by making it affordable. And I don't think that Genie will ever be stuffed back in the bottle. (See the comment #275 just before this one)
If it was up to me insurance companies would be required to sell policies everywhere in the US. As it is, the territories have been divided up the way the Mafia used to divide liquor territories.
Not being able to overturn the Lie that was Obama care. Every thing Obama touched was perfect Libya, Syria, secret meetings with Luis Farrakhan, a peace prize with no merit. Thank god the most Transparent Fool is gone
Something tells me you also believe there is a Pizza Shop porn ring, don't you ? Come on, admit it.
Just part time. Why should she? My late husband was 100% against mothers working(unless they were head of household), as the mother of 3... I was never employed, and he supported our family of five perfectly well on his own.
Just part time. Why should she? My late husband was 100% against mothers working(unless they were head of household), as the mother of 3... I was never employed, and he supported our family of five perfectly well on his own.
Was he an alcoholic? Just wondering since you're comparing the two.
I'm much less of a drain on the system if I have health insurance.
Fact is, we also desperately need health care reform.
The ACA is health insurance reform. It really doesn’t do that much about affordable care or patient protection beyond the subsidies and Medicaid.
Yes we do need "health care reform" but all Obama and Democrats didn't do that.
Medicaid is yet another program for the poor while everyone else has to pay for the same care. How many programs for the poor do you think working people can afford to pay for before you make more poor?
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