You pay. They pay money that would normally go to you, straight to insurance companies. I guess brains aren't needed in the marines. Just follow orders and don't think for yourself soldier!
Originally posted by: Ackmed
Originally posted by: eskimospy
Originally posted by: Ackmed
He said he is 23 and healthy. He can. And get his college paid for. Sounds like a win/win to me...
Hahaha, why didn't we think of this? The solution for the health care crisis in America is to have 100% of America join the Marines!
He said link affordable health care. I dont pay a dime for mine. Or to cover my family. Seems affordable to me.
Im not into this whole debate about reform, just say the title, and thought it would be funny. I dont expect the OP to take it seriously. I also dont give a crap if he does.
Originally posted by: Zstream
Originally posted by: Brainonska511
Originally posted by: Zstream
Yet once again lets point out to you the defunct government run organizations.
USPS
Medicare
Social Security
You clean up those three and I will consider letting the government run anything else.
What's wrong with the postal service?
They are bankrupt....
Originally posted by: Amused
Originally posted by: Thump553
Originally posted by: Amused
Originally posted by: dullard
Didn't read the thread and likely won't since it is so long. But I'll post anyways. I have nearly this same plan from Blue Cross Blue Shield. For someone with the stats listed in your OP who lives in my state (I don't kno your location), it'll cost under $30/month for the $2,000 deductible, 30% coinsurance (option #2).
BCBS is well known and actually pays fully when you obey their rules (which in my case the only real rule is that I have to choose from one of dozens of their perferred providers).
It'll cover just about anything someone in your situation will likely encounter. Most likely situation, you pay $360/year for this insurance and never use it. Worst normal scenario, you are out $7k which you can make a deal with the doctor/hospital to pay out over time in an affordable fashion. Worst case scenario, you have medical bills over $1 million, you'll just have to declare bankruptcy, althouth, I'm not certain that you wouldn't need to declare bankruptcy with just about any plan from any company if that happened.
Yep, here in illinois a single, 42 year old nonsmoking female I know has an EXCELLENT individual plan from BC/BS that's just $395 a month. That's less than most car payments. No deductable, $20 co pay per visit, $10 prescriptions, and everything she's had has been covered, incuding a recent nasty case of fibroid tumers and all the surgeries to remove them.
If she had opted for a $1000 deductable, she's pay half that a month. No drug plan and much less again. All the plans have a 5 million dollor lifetime limit, and a yearly out-of-pocket limit of $1000.
If you can afford a car, you can afford good health care.
Punch in your stats here and pick your plan.
<a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com............WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il.........rce=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Qu......&source=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoti...pe=1&source=WEBIL00100"><a target=_blank class=ftalternatingbarlinklarge href="https://osc.hscil.com/il/Quoting/Applicants.aspx?type=1&source=WEBIL00100">https://osc.hscil.com............00</a></a></a></a></a>
The OP has been owned.
Again, the VAST majority of uninsured in the US CAN afford health insurance and opt not to. They rather keep up with the jones than cover themselves. Then bitch and whine when they get sick.
OP has hardly been owned. For this very limited coverage (already explained by others above) the cost for a two person mid-50s couple in CT with 1500/3000 deductible is over $15,600 per year- $1300+ a month for basically catestrophy coverage (and then you are assuming the good graces of Blue Cross not to cut you off/decline coverage/nonrenew or renew at exorbinant rates). You call that affordable-pay all your own "regular" medical expenses per month plus $1300+?
Now wait just a minute. First, the OP wanted health ins for a healthy 20 something. I showed health ins for a healthy 40 something. Now you want to change the requiements again even after I upped them myself?
And her plan covers EVERYTHING. It's far from limited. Preventive, testing, hospital, ER and even prompt care visits. In the years she's had it the rates have increased only with inflation, not even after her fibroid tumor surgeries last year and asthma meds she had to start 3 years ago. She IS paying $400 a month for complete coverage as I explained above.
The OP has been owned, sorry. There it is. Health ins less than most car payments.
Originally posted by: shadow9d9
$5000 and for a majority of states, they won't have any "pre-existing conditions" covered.. and this doesn't count copay?
Add in one medication for a pre-existing condition and a handful of doc visits for it and you are looking at $7k+.
That is the problem.
My 26 year old wife who is 5'8" and weighs 130 pounds, who jogs regularly was diagnosed with a syndrome that caused her to have to take a pill for one month to get pregnant. Because of that nonsensical syndrome, she was denied every carrier in the state we lived, including BC/BS.
That is the problem. You are pretty much only considered "healthy" if you haven't gone to a doctor in your life.
Acne is a "pre-existing condition" that caused someone to be dropped from coverage when she got cancer.
"Among the other testimony heard by the Committee on Commerce, Science and Transportation was that of Robin Beaton. It reflected some of the insurance company tactics condemned by Potter.
It was a nightmare scenario. The day before she was scheduled to undergo a double mastectomy for invasive breast cancer, Robin Beaton's health insurance company informed her that she was "red flagged" and they wouldn't pay for her surgery. The hospital wanted a $30,000 deposit before they would move forward. Beaton had no choice but to forgo the life-saving surgery.
Beaton had dutifully signed up for individual insurance when she retired from nursing to start a small business. She had never missed a payment, but that didn't matter. Blue Cross cited two earlier, unrelated conditions that she hadn't reported to them when signing up ? acne and a fast beating heart ? and rescinded her policy.
Beaton pleaded with the company and had her doctors write letters on her behalf to no avail. It was not until Rep. Joe Barton (R-TX) personally called Blue Cross that her policy was reinstated and she could undergo surgery. In that year, Beaton's tumor doubled in size, leading to further complications necessitating the removal of her lymph glands as well."
http://www.pbs.org/moyers/journal/07102009/profile.html
Please grow a brain. In the real world, these companies own you.
Originally posted by: Amused
Even at 0% interest at 72 months (who gets 6 year loans anyhow?) the max loan is $28,850. And then you barely have a choice in cars.
Originally posted by: TruePaige
Originally posted by: Amused
Even at 0% interest at 72 months (who gets 6 year loans anyhow?) the max loan is $28,850. And then you barely have a choice in cars.
Hah..you only make yourself look retarded you mean.
At 0% you should take as long a period of a loan as possible, because you get to hang onto your money for longer and make money through investments / compound interest / beating inflation.
My GOODNESS, you have absolutely no knowledge of finance at ALL do you?
Maybe you should go take some night classes at your local college.
P.S. you can indeed get loans over 28k at those low rates, and have lots of great cars to choose from.
Originally posted by: Amused
Originally posted by: TruePaige
Originally posted by: Amused
Even at 0% interest at 72 months (who gets 6 year loans anyhow?) the max loan is $28,850. And then you barely have a choice in cars.
Hah..you only make yourself look retarded you mean.
At 0% you should take as long a period of a loan as possible, because you get to hang onto your money for longer and make money through investments / compound interest / beating inflation.
My GOODNESS, you have absolutely no knowledge of finance at ALL do you?
Maybe you should go take some night classes at your local college.
P.S. you can indeed get loans over 28k at those low rates, and have lots of great cars to choose from.
I looked at the 0% offer on the Corvette. To qualify, you HAVE to take a 60 month loan.
So just stop. Seriously. You think these 0% offers qualify on any car you want, for any term? You're deluded and just arguing in a vain attempt to make me look "wrong." But it's backfiring, badly.
Fact: No one is getting a $50,000 car for $400 a month unless they get 0% interest and put down $22,000.
And you're telling me I'm bad at finances? Now there's a joke? Tell me, how many businesses have you owned?
I've owned over 20 fast food retail stores, sold out a couple years ago and retired comfortably at 40. Tell me your great success story, please.
Originally posted by: TruePaige
As was said back earlier, $40-50,000.
It's easy as hell to do. Price out an avalanche, take financing through GMAC as their dealer bank. DONE.
Wow, I can prove the point to you even on sticker prices..it is that easy.
But of course you want to keep arguing this point because you are upset you were WRONG on providing affordable health care plans and just continue to deflect.
P.S. - You can stroke your e-penis elsewhere, you're lack of basic knowledge (asking why anyone would take longer than a 5 year term) is enough for me. :laugh:
Originally posted by: TruePaige
Originally posted by: Amused
Originally posted by: TruePaige
Originally posted by: Amused
Even at 0% interest at 72 months (who gets 6 year loans anyhow?) the max loan is $28,850. And then you barely have a choice in cars.
Hah..you only make yourself look retarded you mean.
At 0% you should take as long a period of a loan as possible, because you get to hang onto your money for longer and make money through investments / compound interest / beating inflation.
My GOODNESS, you have absolutely no knowledge of finance at ALL do you?
Maybe you should go take some night classes at your local college.
P.S. you can indeed get loans over 28k at those low rates, and have lots of great cars to choose from.
I looked at the 0% offer on the Corvette. To qualify, you HAVE to take a 60 month loan.
So just stop. Seriously. You think these 0% offers qualify on any car you want, for any term? You're deluded and just arguing in a vain attempt to make me look "wrong." But it's backfiring, badly.
Fact: No one is getting a $50,000 car for $400 a month unless they get 0% interest and put down $22,000.
And you're telling me I'm bad at finances? Now there's a joke? Tell me, how many businesses have you owned?
I've owned over 20 fast food retail stores, sold out a couple years ago and retired comfortably at 40. Tell me your great success story, please.
As was said back earlier, $40-50,000.
It's easy as hell to do. Price out an avalanche, take financing through GMAC as their dealer bank. DONE.
Wow, I can prove the point to you even on sticker prices..it is that easy.
But of course you want to keep arguing this point because you are upset you were WRONG on providing affordable health care plans and just continue to deflect.
P.S. - You can stroke your e-penis elsewhere, you're lack of basic knowledge (asking why anyone would take longer than a 5 year term) is enough for me. :laugh:
Originally posted by: spidey07
Originally posted by: TruePaige
As was said back earlier, $40-50,000.
It's easy as hell to do. Price out an avalanche, take financing through GMAC as their dealer bank. DONE.
Wow, I can prove the point to you even on sticker prices..it is that easy.
But of course you want to keep arguing this point because you are upset you were WRONG on providing affordable health care plans and just continue to deflect.
P.S. - You can stroke your e-penis elsewhere, you're lack of basic knowledge (asking why anyone would take longer than a 5 year term) is enough for me. :laugh:
Deflect? Plenty of plans answered the OPs question. But by all means keep going on about interest rates on cars and car payments when this thread is about the proven fact that affordable insurance is available to almost everybody.
Originally posted by: Patranus
Originally posted by: BoomerD
Originally posted by: Thump553
Mid-50s, also looking for semi-reasonably priced insurance. My wife and I are self employed, currently paying about 10k per year for a mediocre AEtna policy (Blue Cross was even higher).
GL to the original poster-I've been doing that search for a couple of years.
We're also in our mid-50's and there's no such thing as "affordable health insurance" here in Kahleeforneeya.
Even a terrible policy with high co-pays and high annual deductibles runs close to $1000/month.
Since I got hurt almost 6 years ago, we've been on a VERY fixed income, and while costs keep going up, my income hasn't risen a dime. (in fact, they just cut my disability check by about $85/week for some as yet unknown reason.)
If what you say is true, than you are eligible for medi-cal.
Originally posted by: BoomerD
Nope...my disability check puts me far above the eligibility for medil-cal...by a LONG way.
Originally posted by: TruePaige
Originally posted by: Nebor
You've just been calling him names and arguing about interest rates so far.
Right, it's alright to just call people liars and idiots when they provide proof, but one should take no flack when they refuse to provide any proof on either topic.
Just want to point out the vast deflection methods that someone will bring up to get away from the point that there is no affordable health care in the individual market that covers anything serious, or will cover you in case of a major accident.
You will be hard pressed to get a loan longer than 72 months.Originally posted by: TruePaige
Originally posted by: Amused
Originally posted by: TruePaige
Originally posted by: Amused
Even at 0% interest at 72 months (who gets 6 year loans anyhow?) the max loan is $28,850. And then you barely have a choice in cars.
Hah..you only make yourself look retarded you mean.
At 0% you should take as long a period of a loan as possible, because you get to hang onto your money for longer and make money through investments / compound interest / beating inflation.
My GOODNESS, you have absolutely no knowledge of finance at ALL do you?
Maybe you should go take some night classes at your local college.
P.S. you can indeed get loans over 28k at those low rates, and have lots of great cars to choose from.
I looked at the 0% offer on the Corvette. To qualify, you HAVE to take a 60 month loan.
So just stop. Seriously. You think these 0% offers qualify on any car you want, for any term? You're deluded and just arguing in a vain attempt to make me look "wrong." But it's backfiring, badly.
Fact: No one is getting a $50,000 car for $400 a month unless they get 0% interest and put down $22,000.
And you're telling me I'm bad at finances? Now there's a joke? Tell me, how many businesses have you owned?
I've owned over 20 fast food retail stores, sold out a couple years ago and retired comfortably at 40. Tell me your great success story, please.
As was said back earlier, $40-50,000.
It's easy as hell to do. Price out an avalanche, take financing through GMAC as their dealer bank. DONE.
Wow, I can prove the point to you even on sticker prices..it is that easy.
But of course you want to keep arguing this point because you are upset you were WRONG on providing affordable health care plans and just continue to deflect.
P.S. - You can stroke your e-penis elsewhere, you're lack of basic knowledge (asking why anyone would take longer than a 5 year term) is enough for me. :laugh:
Originally posted by: JD50
Wait, TruePaige is seriously claiming that you're rich if you pay $400 a month for a car? Seriously? What a moron.
Has she ever used it? I had bcbs a few years ago and it was only $150/month for a couple of years for a no dental, mostly catastrophic plan. Then I actually used it for something other than a minor gp visit. It was ~$5k for minor acl work. I had to pay half. They then started continuously raising the premium over the next three years until it was ~$500/month. I canceled. Pigs.Originally posted by: Amused
...
Now wait just a minute. First, the OP wanted health ins for a healthy 20 something. I showed health ins for a healthy 40 something. Now you want to change the requiements again even after I upped them myself?
And her plan covers EVERYTHING. It's far from limited. Preventive, testing, hospital, ER and even prompt care visits. In the years she's had it the rates have increased only with inflation, not even after her fibroid tumor surgeries last year and asthma meds she had to start 3 years ago. She IS paying $400 a month for complete coverage as I explained above.
The OP has been owned, sorry. There it is. Health ins less than most car payments.
Originally posted by: shadow9d9
Originally posted by: Zstream
Originally posted by: Brainonska511
Originally posted by: Zstream
Yet once again lets point out to you the defunct government run organizations.
USPS
Medicare
Social Security
You clean up those three and I will consider letting the government run anything else.
What's wrong with the postal service?
They are bankrupt....
It provides a service that no one wants to give up.
Have a problem with the public school system, the military, police depts, fire depts?
I think we should remove the military first.
Originally posted by: spidey07
Originally posted by: TruePaige
As was said back earlier, $40-50,000.
It's easy as hell to do. Price out an avalanche, take financing through GMAC as their dealer bank. DONE.
Wow, I can prove the point to you even on sticker prices..it is that easy.
But of course you want to keep arguing this point because you are upset you were WRONG on providing affordable health care plans and just continue to deflect.
P.S. - You can stroke your e-penis elsewhere, you're lack of basic knowledge (asking why anyone would take longer than a 5 year term) is enough for me. :laugh:
Deflect? Plenty of plans answered the OPs question. But by all means keep going on about interest rates on cars and car payments when this thread is about the proven fact that affordable insurance is available to almost everybody.
Originally posted by: DLeRium
LOL OP you disgust me.
Summary of OP: Give me a health plan. It has to be affordable. Wait, even if most people find $70/month affordable healthcare for a 23 year old, I'm going to call it unaffordable. I'm going to demand $15 / month. Yes, cheaper than surfing the internet, using my cell phone, AOHell Dialup, a fucking land line, cable TV, blah blah blah. I want HEALTH CARE less than all that. Otherwise it's unaffordable. So all of you who give me your version of "affordable healthcare" you should just STFU because nothing is as cheap as I want it. Oh and it's all garbage because I want no lifetime cap, pre-existing conditions covered, the same rate even when I'm 100 years old, and even if I start smoking, and even if I develop cancer. I want $15 / month.
Originally posted by: SirStev0
Originally posted by: ProfJohn
BTW you say that you are in medical school now.
I assume, based on what I read in this thread, that you plan to graduate and take a low paying job in the healthcare field in order to help keep healthcare costs low for other who can't afford insurance, right?
I have a friend who went to Emory for 6+ years and after graduation took a job making $100k. How inconsiderate of her!!!
If only she and all her other high paid friends would agree to a 50% pay cut think of how much cheaper our healthcare would then be??
Blah blah blah, turn this on doctors again. It has been proven many times that doctor salary play extremely little in the cost of health care in the.
I didn't go into medicine to make money. I went in because I love the field, I enjoy the challenge and the risk, I like working towards helping people, and of course, because at the end of the day, I want to know I am a better person than everyone else.
Originally posted by: ChunkiMunki
isn't insurance supposed to help pay for stuff you cannot possibly pay? Anyone looking to pay $15 a month and walk out of an emergency room or hospital without a bill is delusional. anyone borrowing $280,000 to go to school shouldn't be complaining about unaffordable health insurance, while posting with a top-line computer with a high-speed internet connection.