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Message

re: Health insurance premium for 2018 is absolutely outrageous

Posted on 11/14/17 at 11:29 am to
Posted by 50_Tiger
Arlington TX
Member since Jan 2016
43552 posts
Posted on 11/14/17 at 11:29 am to
quote:

This is so dumb and overplayed.


Not its not, its true. Sorry
Posted by tigahbruh
Louisiana
Member since Jun 2014
2864 posts
Posted on 11/14/17 at 11:30 am to
quote:

We should get away from tradition health insurance and have patients pay the Dr. directly. Have some type of catastrophic insurance. I think that most health care cost is the last 2 months of life.


This ^^^^^. In my late teens to mid thirties, I only needed to use health insurance a small handful of times. Without the infinite layers of bureaucracy, costs would go way down.
Posted by MontyFranklyn
T-Town
Member since Jan 2012
24301 posts
Posted on 11/14/17 at 11:30 am to
quote:

I am getting on a plan with Humana that is written for major medical only. I believe it gives 3 Dr. visits per year with a $60.00 copay. I'll have to reread it though.
Smart thing to do. If you are a healthy person that exercises regularly you only need major medical imo. I went to the Dr. once last year and twice the year before. I did have a couple of surgeries, but those were to take out my tonsils and wisdom teeth. We spend too much on health care that we don't use imo.
Posted by FLAK88
Gonzales La.
Member since Jan 2015
494 posts
Posted on 11/14/17 at 11:30 am to
I've seen better premiums in the quad
Posted by Harry Caray
Denial
Member since Aug 2009
21045 posts
Posted on 11/14/17 at 11:33 am to
quote:

Not its not, its true. Sorry
LINK
quote:

A 2003 Gallup poll found 25% of Americans are either "very" or "somewhat" satisfied with "the availability of affordable healthcare in the nation", versus 50% of those in the UK and 57% of Canadians. Those "very dissatisfied" made up 44% of Americans, 25% of respondents of Britons, and 17% of Canadians. Regarding quality, 48% of Americans, 52% of Canadians, and 42% of Britons say they are satisfied.


ETA: I also can never understand why so many Americans are pissed off at premiums but hate the idea of Universal Health Care while 58 other countries, most of them FIRST WORLD, already have it in place.
This post was edited on 11/14/17 at 11:37 am
Posted by MrLSU
Yellowstone, Val d'isere
Member since Jan 2004
30082 posts
Posted on 11/14/17 at 11:33 am to
There will be significant contraction in the US this year as self-employed people are forced to shut down their business and join a company who offers group insurance plans. And those who don't will be forced to increase their rates to make up for this enormous cost.

I can see solo attorneys/physicians leaving their law/medical practices to join a large firm or hospital.
Posted by Sao
East Texas Piney Woods
Member since Jun 2009
68469 posts
Posted on 11/14/17 at 11:34 am to

If any Texans here need help with open market alternatives, heck, just email me. I help people and small businesses run completely away from the BCBS HMO nightmare. Sincere post.

saodroppings@gmail.com
Posted by GetCocky11
Calgary, AB
Member since Oct 2012
53509 posts
Posted on 11/14/17 at 11:34 am to
quote:

There will be significant contraction in the US this year as self-employed people are forced to shut down their business and join a company who offers group insurance plans. And those who don't will be forced to increase their rates to make up for this enormous cost.

I can see solo attorneys/physicians leaving their law/medical practices to join a large firm or hospital.


So, the ACA stifles small business creation and innovation?
Posted by TheCaterpillar
Member since Jan 2004
76774 posts
Posted on 11/14/17 at 11:35 am to
The ACA is a fricking disaster. I work in healthcare and see the numbers daily.

It could work with a few major tweaks, but political gridlock in Washington fricks the whole country up so badly.
Posted by terd ferguson
Darren Wilson Fan Club President
Member since Aug 2007
114938 posts
Posted on 11/14/17 at 11:35 am to
It's so nice listening to the poor people and people with pre-existing conditions talk about how without the ACA they wouldn't be able to afford insurance... yeah that's bc everybody else is getting fricked in the arse so you can pay jack shite for coverage.
Posted by MSMHater
Houston
Member since Oct 2008
23368 posts
Posted on 11/14/17 at 11:37 am to
quote:

This is so dumb and overplayed. Anything you'd go to the emergency room for in America is treated the exact same in Canada. If it's an emergency, it'll get taken care of IMMEDIATELY and the only thing you'll pay for is the $30 ambulance ride.


Right, which means if the imaging or diagnostic is required for stabilization, you are transferred to a facility with the machine you need.

If you need the machine for any diagnostic purposes, like do you have cancer, you are waiting 6 weeks for CT and 10 weeks for MRI. The wait for "elective" surgeries, like hip/knee replacement, are worse.

It's not overplayed. It's a real problem in Canada and the UK, and its acknowledged by both governments. It's a direct result of a single payer rationing the available supply of care.
LINK

ETA: Customer satisfaction polls? Really?

This post was edited on 11/14/17 at 11:40 am
Posted by TH03
Mogadishu
Member since Dec 2008
172004 posts
Posted on 11/14/17 at 11:37 am to
That doesn't disprove what he said...
Posted by Phil A Sheo
equinsu ocha
Member since Aug 2011
12166 posts
Posted on 11/14/17 at 11:37 am to
quote:

$3100 a month


frick that noise..

I'm self-employed and I self insured in 2016, this year I'm with a company called US Health Advisors and I only pay about a 1000 a month. It's not the greatest policy , but it gets me compliant and it does cover some things i was really worried about.
Posted by Ancient Astronaut
Member since May 2015
37416 posts
Posted on 11/14/17 at 11:37 am to
quote:

we are approaching the point where people will not pay it simply because they cannot afford it


That sounds like me.
Posted by Harry Caray
Denial
Member since Aug 2009
21045 posts
Posted on 11/14/17 at 11:42 am to
quote:

Right, which means if the imaging or diagnostic is required for stabilization, you are transferred to a facility with the machine you need.

If you need the machine for any diagnostic purposes, like do you have cancer, you are waiting 6 weeks for CT and 10 weeks for MRI. The wait for "elective" surgeries, like hip/knee replacement, are worse.

It's not overplayed. It's a real problem in Canada and the UK, and its acknowledged by both governments. It's a direct result of a single payer rationing the available supply of care.
LINK

I'll take waiting a couple months over a lifetime of crippling debt. The most financially responsible citizen can have their lives frickED in America trying to pay back medical debt from some sort of injury sustained under no fault of their own, while that same person could be treated in Canada for less than their weekly grocery expenses.
Posted by shotcaller1
Member since Oct 2014
7501 posts
Posted on 11/14/17 at 11:44 am to
While not as bad as the op, premiums and deductible have both risen with care level staying the same. fricking ridiculous
Posted by GetCocky11
Calgary, AB
Member since Oct 2012
53509 posts
Posted on 11/14/17 at 11:44 am to
quote:

I'll take waiting a couple months over a lifetime of crippling debt. The most financially responsible citizen can have their lives frickED in America trying to pay back medical debt from some sort of injury sustained under no fault of their own, while that same person could be treated in Canada for less than their weekly grocery expenses.


I just can't see a system like Canada's ever happening in the US. The health lobby is too strong.
Posted by athenslife101
Member since Feb 2013
20651 posts
Posted on 11/14/17 at 11:45 am to
Jeez.

I can’t afford my $200 a month lol. And I have a $6000 deductible.

I will say, I dated a girl in Spain who lived there for 5 years because of their public health insurance program (her job gave her a bye).

She could get all the help she wanted and had several operations that would have been several thousand dollars for next to nothing
Posted by Harry Caray
Denial
Member since Aug 2009
21045 posts
Posted on 11/14/17 at 11:46 am to
quote:

I just can't see a system like Canada's ever happening in the US. The health lobby is too strong.

There's your issue with most shite, the lobbyists. They're the ones that have folks in this thread truly believing we're somehow better off than our neighbors to the north or damn near every European country.
Posted by The Mick
Member since Oct 2010
45204 posts
Posted on 11/14/17 at 11:46 am to
Unreal.
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