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re: So I got my letter from my healthcare company
Posted on 4/1/14 at 9:48 pm to Hawkeye95
Posted on 4/1/14 at 9:48 pm to Hawkeye95
quote:
ftr, this is how insurance works. Pooling of the resources. You might not need it now, but maybe in the future you will.
No it's not. Forcing insurance to take high risk pt's with preexisting conditions is not insurance. It's redistribution plain and simple. If all the money spent on developing, passing, promoting, implementing and now administrating Oshitacare, we could have covered those people without destroying the system and fricking over 75% of the country.
0
Posted on 4/1/14 at 9:51 pm to Hawkeye95
quote:Except that Obamacare has removed the risk aspect for those with actual pre-existing conditions. For them Obamacare is a wealth transfer program from the young and healthy to pay the anticipated costs of the pre-existing conditions. Insurance is intended to cover unanticipated costs.
No, its really how insurance works, pooling of risks.
Posted on 4/1/14 at 10:12 pm to gatorrocks
quote:Harry Reid says you're a liar.
Which is shocking because I have full coverage. Maternity, psych, child care, etc. ADP (the payroll provider for 1 in 6 employees in the US) sent letters to everyone telling us our insurance will likely change.
Awesome news. Can't wait to see what I'll be paying here shortly. Between me and my employer we pay ~$1200 / month for it now.
Posted on 4/1/14 at 10:19 pm to gatorrocks
quote:
I'm married with two kids BUT we're done having kids. I'd like to get rid of maternity. One, because it's an extra $100 / month or so. Two, because it's shite coverage.
Any maternity coverage where you actually PAY for the insurance is shite. Medicaid... You's fully covered!
I don't think you get it.
The entire point of Obamacare is to transfer wealth in the health insurance realm.
They deprive you of choice for coverage you don't need and make you pay for it anyway so that $100 a month can be transferred over to another person who is a fricking loser.
How hard is this to figure out?
Posted on 4/1/14 at 10:23 pm to Scoop
quote:
be transferred over to another person who is a fricking loser.
That is what I'm seeing first hand 9 out of 10 times. I've seen a few good breaks for some hardworking folk on hard time, but all in all, the beneficiaries are people who have never hardly contributed anything to the system.
Posted on 4/1/14 at 10:27 pm to gatorrocks
Lifetime limits!!!
Posted on 4/1/14 at 10:28 pm to Hawkeye95
quote:Nope. You're describing redistribution. Not insurance. You are confused, or ignorant. I won't guess.
ftr, this is how insurance works. Pooling of the resources.
This post was edited on 4/1/14 at 10:29 pm
Posted on 4/1/14 at 10:34 pm to Hawkeye95
quote:Closer. But... still nope.
ftr, this is how insurance works. Pooling of the resources.
No, its really how insurance works, pooling of risks.
quote:Nothing would be more straightforward than everyone paying their own bill.
Single payer would have been much more straightforward and less of shitstorm
quote:What's wrong with private companies?
this is like single payer while offering private companies the ability to participate
quote:Do you think billing Medicare/Medicaid is simple, easy, and incentivizes better care?
It just too complicated and too many disincentives.
This post was edited on 4/1/14 at 10:35 pm
Posted on 4/2/14 at 12:49 am to Hawkeye95
quote:
quote:
I don't. But since January, I've been forced to have it. And in the process, pay 60% more in premiums a month, and saw my OOP and yearly deduct. go from $750/$1500 to $2,000/$6,000. Forward... or some shite.
ftr, this is how insurance works. Pooling of the resources. You might not need it now, but maybe in the future you will.
I get why you don't like it, and I am not a fan of obamacare. Obama didn't invent the model of shared risk, he just mandated that you participate
Sorry, but there is no time that he would ever need that... isn't his future baby momma supposed to have that coverage, by law? Telling a man that he has to have maternity coverage is lunacy.
Posted on 4/2/14 at 8:30 am to gatorrocks
quote:
Between me and my employer we pay ~$1200
You rich white people need to get off your high horses. Your employer can afford to pay this but doesn't want to pay his fair share.
It's time for change and O is bring it! Forward
Posted on 4/2/14 at 8:37 am to Hawkeye95
quote:
No, its really how insurance works, pooling of risks.
You're kind of right, but it pools the risks of similar individuals. They actually plug you into a mathematical equation based on age, history, and habits which spits out a plan.
Posted on 4/2/14 at 8:40 am to La Place Mike
quote:
Harry Reid says you're a liar.
F that guy.
Posted on 4/2/14 at 9:22 am to gatorrocks
The government has "limitless" money to throw around. Yet....
They can't (or won't) balance a budget. They can't run a post office. They can't setup a website.
What makes anyone think they can fix or improve healthcare or health insureance?
They can't (or won't) balance a budget. They can't run a post office. They can't setup a website.
What makes anyone think they can fix or improve healthcare or health insureance?
Posted on 4/2/14 at 9:25 am to Mahootney
quote:
They can't run a post office
Hey, hey, hey... The post office is self sustaining and doesn't use tax payer dollars to operate.
Well aside from the fact that they get annual tax payer bailouts in the billions...
Posted on 4/2/14 at 9:33 am to Lsut81
quote:It had to get privatized. It was even WORSE under the gov control.
The post office is self sustaining and doesn't use tax payer dollars to operate.
Posted on 4/2/14 at 10:09 am to Hawkeye95
quote:
ftr, this is how insurance works. Pooling of the resources. You might not need it now, but maybe in the future you will.
You obviously don't understand insurance.
He is insuring himself against certain actions . . . not all medical issues that occur across the spectrum of people in the U.S.
He has no need for maternity insurance because he can't get pregnant.
It's the same reason you can get liability, collision, UM, etc. for car insurance without getting full coverage.
Posted on 4/2/14 at 10:48 am to La Place Mike
quote:
Harry Reid says you're a liar.
He also says he just doesn't know how to use a computer.
Posted on 4/2/14 at 12:51 pm to matthew25
quote:
Kaiser says the average cost is $16,351 in 2013. You are below average cost.
quote:So the $16K is the estimated annual premium for family health coverage, not for individual coverage.
Annual premiums for employer-sponsored family health coverage reached $16,351 this year, up 4 percent from last year, with workers on average paying $4,565 towards the cost of their coverage, according to the Kaiser Family Foundation/Health Research & Educational Trust (HRET) 2013 Employer Health Benefits Survey.
From Your Link
Posted on 4/2/14 at 12:53 pm to Bard
quote:
Harry Reid says you're a liar.
quote:
He also says he just doesn't know how to use a computer.
He will also deny that he called him liar.
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