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Started By
Message
Main Reason for Having Health Insurance
Posted on 3/20/24 at 8:29 pm
Posted on 3/20/24 at 8:29 pm
A. Insurance against a catastrophic financial cost.
B. Help with doctors visits and prescriptions and cap catastrophic loss but doubt that happens.
C. Help me access quality care easily.
D. I honestly think it’s kind of a scam but I don’t go without it.
F. I don’t carry private health insurance.
B. Help with doctors visits and prescriptions and cap catastrophic loss but doubt that happens.
C. Help me access quality care easily.
D. I honestly think it’s kind of a scam but I don’t go without it.
F. I don’t carry private health insurance.
Posted on 3/20/24 at 8:31 pm to tigerforever7
A
Posted on 3/20/24 at 8:32 pm to tigerforever7
quote:
A. Insurance against a catastrophic financial cost.
I've had a couple burn surgeries and my gallbladder removed in the last 14-ish years. Would still be paying those bills today
My wife had our first baby last year and cant imagine doing that without insurance either.
Posted on 3/20/24 at 8:47 pm to tigerforever7
B - I think my wife has had what would have been 50k in outpatient surgeries in the past 18 months.
If you are 27 and healthy I get it though. You're basically paying for protection against a major health issue that's also pretty unlikely
If you are 27 and healthy I get it though. You're basically paying for protection against a major health issue that's also pretty unlikely
This post was edited on 3/20/24 at 9:00 pm
Posted on 3/20/24 at 8:52 pm to tigerforever7
A, but health insurance itself adds a ton of cost to the system.
There seems to be 5-6 people in the administration of any doctor office or hospital for every 1 MD. Most of those people are handling billing.
There seems to be 5-6 people in the administration of any doctor office or hospital for every 1 MD. Most of those people are handling billing.
Posted on 3/20/24 at 9:10 pm to tigerforever7
E. I have a family
Posted on 3/21/24 at 4:49 am to tigerforever7
The same reason you have any insurance, A
Posted on 3/21/24 at 6:38 am to tigerforever7
A
Posted on 3/21/24 at 6:41 am to tigerforever7
Our system is perverted by taking the buyer- you- out of the loop. Doctors have to negotiate with health insurance companies for their services.
Ask a doctor what they charge for a visit and they can’t tell you.
Ask a surgeon what they charge for an operation and they can’t tell you.
They don’t know the answer or can’t divulge it to us.
They charge the health insurance company a high amount, negotiate it down and settle for less then write off the difference as a tax deduction.
That’s perverse.
Ask a doctor what they charge for a visit and they can’t tell you.
Ask a surgeon what they charge for an operation and they can’t tell you.
They don’t know the answer or can’t divulge it to us.
They charge the health insurance company a high amount, negotiate it down and settle for less then write off the difference as a tax deduction.
That’s perverse.
Posted on 3/21/24 at 7:28 am to tigerforever7
Health insurance allows the medical industry to charge 20x actual costs by splitting the bill among the insured.
Posted on 3/22/24 at 11:10 am to tigerforever7
Health insurance is all about having peace of mind. If I paid premiums and never used it, then that would mean I have a healthy life and should be thankful of that. On the other hand if a serious accident happened or a disease was discovered, I would be in good hands to address it.
It's an expense that I am happy with.
I worked offshore with provided health insurance provided the employee pays a discounted premium. It was amazing how many people did not have insurance (they wanted more cash), middle aged men who had never been to a doctor in 5 years or more, periodontal disease out the arse because of no dental checkups and nipping issues in the bud. It was not common to see middle aged men drop dead.
It's an expense that I am happy with.
I worked offshore with provided health insurance provided the employee pays a discounted premium. It was amazing how many people did not have insurance (they wanted more cash), middle aged men who had never been to a doctor in 5 years or more, periodontal disease out the arse because of no dental checkups and nipping issues in the bud. It was not common to see middle aged men drop dead.
This post was edited on 3/22/24 at 11:10 am
Posted on 3/22/24 at 11:39 am to tigerforever7
The only thing insurance has covered for us in years is cancer and childbirth. So A.
Posted on 3/22/24 at 11:39 am to tigerforever7
A is what it should be. For routine stuff, people should pay their own was. Just like you keep up your car. But it has evolved into a mindset where people expect almost all of their healthcare expenses to be paid by someone else.
Posted on 3/22/24 at 12:56 pm to tigerforever7
quote:
A. Insurance against a catastrophic financial cost.
Posted on 3/23/24 at 2:57 pm to tigerforever7
A
Posted on 3/23/24 at 6:45 pm to tigerforever7
A for sure.
Posted on 3/23/24 at 6:48 pm to tigerforever7
B
Posted on 3/24/24 at 7:58 am to tigerforever7
A
I was very healthy and other then a yearly physical I went to doc less then 5 times in 15 years. Then my right testicle was enlarged. Surgery and chemo later bills were well over 100k. Was just responsible for max out of pocket. Think $2.
At $6800/yr for my portion of employer provided family health insurance, I could pay and not use for 12 years and still come out ahead. Add in birth of my son, and wife having complications during delivery, and I can go 20 years before I “lost” money.
And we still have normal doctor visits that just cost a co pay.
You never know when something big will arrive, not destroying your financial holding and starting over is well worth the cost and piece of mind health insurance brings.
I was very healthy and other then a yearly physical I went to doc less then 5 times in 15 years. Then my right testicle was enlarged. Surgery and chemo later bills were well over 100k. Was just responsible for max out of pocket. Think $2.
At $6800/yr for my portion of employer provided family health insurance, I could pay and not use for 12 years and still come out ahead. Add in birth of my son, and wife having complications during delivery, and I can go 20 years before I “lost” money.
And we still have normal doctor visits that just cost a co pay.
You never know when something big will arrive, not destroying your financial holding and starting over is well worth the cost and piece of mind health insurance brings.
Posted on 3/24/24 at 6:36 pm to tigerforever7
A
Posted on 3/26/24 at 9:42 am to tigerforever7
quote:
Insurance against a catastrophic financial cost.
Obama turned all health insurance into this
Unless you are unemployed then it's all free
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