Obamacare Forces College To Drop Student Healthcare | Page 2 | TigerDroppings.com

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Layabout
UNO Fan
Baton Rouge
Member since Jul 2011
7194 posts

re: Obamacare Forces College To Drop Student Healthcare


quote:

n your terrible example of a cat wreck, auto insurance pays the hospital bills.


One of my family members had a serious wreck a few years ago and blew through the medical payments in the first three days. BCBS paid the remaining $150,000.






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TK421
LSU Fan
Baton Rouge
Member since Oct 2011
8332 posts

re: Obamacare Forces College To Drop Student Healthcare


Cool, that doesn't change the fact that you are wrong about college medical insurance being terrible. It is a gauge of risk, and the situation you described is an outlier.

Besides, if a student is that worried about it they can pay more for a more comprehensive plan that doesn't have a limit through the same company. But I guess we can't trust adults to make decisions in their best interest, it's better to make them all pay double what they were paying a year ago.




This post was edited on 11/14 at 7:51 am


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Layabout
UNO Fan
Baton Rouge
Member since Jul 2011
7194 posts

re: Obamacare Forces College To Drop Student Healthcare


quote:

it's better to make them all pay double what they were paying a year ago.



It hasn't doubled in the past year. It's doubled since the mid-90s or over the past 15-20 years.






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SpidermanTUba
LSU Fan
NAWLINS
Member since May 2004
31239 posts

re: Obamacare Forces College To Drop Student Healthcare


quote:

Obamacare Forces College To Drop Student Healthcare


There's a lot of student "health plans" that are basically you pay and get nothing type plans. LSU used to have a health "insurance" option for students and if you read the contract in detail (like I did), it basically says we don't have to provide you ANY health care if we don't feel like it. Those kinda of bull shite plans just aren't allowed anymore.






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SlowFlowPro
Stanford Fan
Simple Solutions to Complex Probs
Member since Jan 2004
300948 posts
 Online 

re: Obamacare Forces College To Drop Student Healthcare


quote:

it basically says we don't have to provide you ANY health care if we don't feel like it.

Link?

all insurance pans have exclusions






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Y.A. Tittle
Winthrop Fan
Member since Sep 2003
50123 posts

re: Obamacare Forces College To Drop Student Healthcare


quote:

There's a lot of student "health plans" that are basically you pay and get nothing type plans. LSU used to have a health "insurance" option for students and if you read the contract in detail (like I did), it basically says we don't have to provide you ANY health care if we don't feel like it. Those kinda of bull shite plans just aren't allowed anymore.


Surely there must be tons of horror stories out there of students getting into medical issues and getting stiffed on having the insurance cover it then, no?

Funny, I never had a problem with any of the student insurance at any of the three schools I attended. But, surely you should have no trouble finding anecdotal stories to the contrary, right?






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SpidermanTUba
LSU Fan
NAWLINS
Member since May 2004
31239 posts

re: Obamacare Forces College To Drop Student Healthcare


quote:

Link?


Sorry I don't have a link to the health care contract I read 10 years ago. You can try the internet. It contained language explicitly excluding pretty much the top several things that tend to hurt young people - but which young people never think will hurt them (alcohol, suicide, athletics) - but it also contained a catch all phrase which stated they will only pay for something that "We determine" is necessary - we meaning the company. That means they can deny you anything for any reason.

I knew a guy who broke his arm while arm wrestling in a bar. Double whammy - he had a beer & was participating in an "athletic activity" - denied!






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SpidermanTUba
LSU Fan
NAWLINS
Member since May 2004
31239 posts

re: Obamacare Forces College To Drop Student Healthcare


(no message)


This post was edited on 11/14 at 9:50 am


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GREENHEAD22
LSU Fan
LafayettebywayofBush
Member since Nov 2009
8638 posts

re: Obamacare Forces College To Drop Student Healthcare


Found this out the other day. School just spent millions on building a new health center and now its pretty much useless.





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SlowFlowPro
Stanford Fan
Simple Solutions to Complex Probs
Member since Jan 2004
300948 posts
 Online 

re: Obamacare Forces College To Drop Student Healthcare


quote:

It contained language explicitly excluding pretty much the top several things that tend to hurt young people - but which young people never think will hurt them (alcohol, suicide, athletics)

that's a reasonable exclusion. i don't get your issue with it. those are risky behaviors that are costly to insure






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TK421
LSU Fan
Baton Rouge
Member since Oct 2011
8332 posts

re: Obamacare Forces College To Drop Student Healthcare


quote:

I knew a guy who broke his arm while arm wrestling in a bar. Double whammy - he had a beer & was participating in an "athletic activity" - denied!



That's bull shite and you know it






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SpidermanTUba
LSU Fan
NAWLINS
Member since May 2004
31239 posts

re: Obamacare Forces College To Drop Student Healthcare


quote:



Surely there must be tons of horror stories out there of students getting into medical issues and getting stiffed on having the insurance cover it then, no?



Would you like to start with New York?
LINK

quote:


Funny, I never had a problem with any of the student insurance at any of the three schools I attended.


Well why even continue with this debate? Your personal experiences are all that's relevant.



This post was edited on 11/14 at 9:54 am


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SlowFlowPro
Stanford Fan
Simple Solutions to Complex Probs
Member since Jan 2004
300948 posts
 Online 

re: Obamacare Forces College To Drop Student Healthcare


quote:

Would you like to start with New York?


did you even read your article?

quote:

Many plans also do not cover common situations that affect students, including injuries sustained in suicide attempts or while drunk

suicides are very common. how many people do you think have attempted suicide? 75%? 80%?







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CptBengal
USA Fan
BR Baby
Member since Dec 2007
40911 posts

re: Obamacare Forces College To Drop Student Healthcare


why do you even debate this clown?

Oh and tuba, get back to work...I need that ADCP data.






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SSpaniel
Ole Miss Fan
Germantown
Member since Feb 2013
2503 posts

re: Obamacare Forces College To Drop Student Healthcare


Never mind.. SFP beat me to it.


This post was edited on 11/14 at 9:59 am


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Y.A. Tittle
Winthrop Fan
Member since Sep 2003
50123 posts

re: Obamacare Forces College To Drop Student Healthcare


quote:

Well why even continue with this debate? Your personal experiences are all that's relevant.


It was an invitation for you to provide the converse "horror story" anecdotal issue. Apparently you can't even do that, but still stand by the fact that such plans were "horrible."

Got it.






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SpidermanTUba
LSU Fan
NAWLINS
Member since May 2004
31239 posts

re: Obamacare Forces College To Drop Student Healthcare


quote:


that's a reasonable exclusion.


That's like selling a homeowner's policy that doesn't cover fire, wind damage, or vandalism.

quote:

i don't get your issue with it.


These are rip-off plans designed to take in money and pay none out? You don't get my issue with that?

quote:


those are risky behaviors that are costly to insure




Life is a risky behavior. Maybe insurance companies should be allowed to exclude all injuries that occur while the insured is alive.







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SpidermanTUba
LSU Fan
NAWLINS
Member since May 2004
31239 posts

re: Obamacare Forces College To Drop Student Healthcare


quote:


suicides are very common. how many people do you think have attempted suicide? 75%? 80%?



Do you actually get what insurance is for?






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Jbird
Iowa Fan
In Odramaville with EthanL
Member since Oct 2012
17098 posts
 Online 

re: Obamacare Forces College To Drop Student Healthcare


quote:

at's like selling a homeowner's policy that doesn't cover fire, wind damage, or vandalism.


Or flooding?






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SSpaniel
Ole Miss Fan
Germantown
Member since Feb 2013
2503 posts

re: Obamacare Forces College To Drop Student Healthcare


quote:

Do you actually get what insurance is for?


Not for paying for injuries sustained while trying to kill oneself.






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