Originally posted by: blackangst1
Originally posted by: Phokus
Originally posted by: Sclamoz
Originally posted by: blackangst1
Uh, you obviously are aping talking points from...somewhere. I linked a plan for about $100/mo, with no lifetime max, and pre-existing covered. And this was just after 10 mins looking. Get your facts straight.
The plan you listed had a copay insurance of 30%.
For example it lists:
Emergency Room$100 Copay (waived if admitted) plus 30% Coinsurance Outpatient Lab/X-Ray30% Outpatient Surgery30% Hospitalization30%
If I understand copay insurance correctly that means you would be responsible for paying 30% of those bills and that's only if Aetna agreed to pay in the first place.
Also, that plan is not available everywhere. Where I live the cheapest plan according to Ehealthinsurance is from Fallon at $206 a month AND a $2000 deductible.
And there's the catch, blackangst is full of crap yet again
And there's YOUR catch phukus. You fail at reading.
As usual.
Originally posted by: DLeRium
Arite OP, you're 23. I just turned 23, but I did a quote for myself a few months ago when P&N had 20 threads about UHC on the front page. I was 22 then, but close enough to 23. I quoted for the same plan I have now which is a:
HSA + HDHP. I got two plans at 73 and 78/month. A PPO plan was closer to 90s. This is for Kaiser BTW, and I did a search for Anthem Blue Cross which I used to have and I got similar rates. Affordable enough for you?
I think so.
I am thinking of applying for grad school. I don't know how that will affect me. Do I need to go with my school for shit insurance or can I go under my parents again? Hmmm.
Originally posted by: cubeless
this shit ain't free... you want 'affordable'? then maybe you don't get all the hot shit that's available... from your scenario above you want 'free'...
ask your congressfolks to add a few more pages to the bill to let anyone in school full time get medicade...
Originally posted by: maluckey
180 per month for my entire family with virtually nothing out of pocket...ever, nowadays is pretty freakin cheap. Army, Navy, Air force and Marine Reserves. You don't even have to be ina network or see military doctors.
Just over 300 per month for federal employees for similar to military.
University students are normally covered for virtually nothing in comparison.
Wal-Mart is just about 350 for a well-covered program.
Cell phone plans are about 70-80 per month; HS internet= 35; cable or Sat. TV = 55-90. Drop those and most health care is not so bad as most peoples car payments, (or opverpriced mortgages).
We all want our cake AND eat it too. Put up or shut up and work for your country seems to be the best deal. If you don't want that, go to work for Walmart or go back to school. Other than that, you have to go after costs in the hospitals. How many illegals pay for health care? ZERO! That's the first thing we can do to cut health care costs.
Originally posted by: ProfJohn
Here....
http://www.anthem.com/
Rate quotes for someone living in Chesapeake Va.
Highest rate is $194
Lowest is $73
The plans most people would pick ranges from $89 - $126 a month.
Is that affordable enough?
Originally posted by: ebaycj
Originally posted by: ProfJohn
Here....
http://www.anthem.com/
Rate quotes for someone living in Chesapeake Va.
Highest rate is $194
Lowest is $73
The plans most people would pick ranges from $89 - $126 a month.
Is that affordable enough?
...For a plan with 20% coinsurance that will bankrupt you at your first major procedure. No Thanks.
Originally posted by: 0marTheZealot
Do you not see the problem you just said? You basically said "Choose school or choose your health." Without school, he'll be unable to participate in the economy and actually earn health insurance. On the other hand, if he falls ill and has to receive any sort of health care, he's out of luck because he can't afford health care. He's in a Catch-22 situation.
Comparing health insurance to an OLED or a sportscar is simply ignorant. Health insurance is just as important as food, water, shelter, clothing. Secondly, while internet/phone may be strictly optional, in the real world, it's extremely difficult to live without them. I can see living without internet, as there are many free options out there (library, computer labs), but without a cell phone is really stretching it.
Your post basically highlights why we need major healthcare reform in this country.
Originally posted by: Pliablemoose
Originally posted by: cubeless
this shit ain't free... you want 'affordable'? then maybe you don't get all the hot shit that's available... from your scenario above you want 'free'...
ask your congressfolks to add a few more pages to the bill to let anyone in school full time get medicade...
Has a single person in this thread said UHC=free health care?
Oh, no there haven't been any posts like that at all, because everyone that's posted is over the age of freaking 6years old and knows better. You're the only tool posting that it's free.
Originally posted by: cubeless
Originally posted by: Pliablemoose
Originally posted by: cubeless
this shit ain't free... you want 'affordable'? then maybe you don't get all the hot shit that's available... from your scenario above you want 'free'...
ask your congressfolks to add a few more pages to the bill to let anyone in school full time get medicade...
Has a single person in this thread said UHC=free health care?
Oh, no there haven't been any posts like that at all, because everyone that's posted is over the age of freaking 6years old and knows better. You're the only tool posting that it's free.
this is like a townhall meeting... i comment, you call names...
the issue is that someone wants product, but wants to pay some 'affordable' amount for it (of course less than the market price)... so when his taxes go up $100 a month to pay for a plan for everybody (or he gets fined for not buying a plan) then all is well...
Originally posted by: Pliablemoose
Originally posted by: cubeless
Originally posted by: Pliablemoose
Originally posted by: cubeless
this shit ain't free... you want 'affordable'? then maybe you don't get all the hot shit that's available... from your scenario above you want 'free'...
ask your congressfolks to add a few more pages to the bill to let anyone in school full time get medicade...
Has a single person in this thread said UHC=free health care?
Oh, no there haven't been any posts like that at all, because everyone that's posted is over the age of freaking 6years old and knows better. You're the only tool posting that it's free.
this is like a townhall meeting... i comment, you call names...
the issue is that someone wants product, but wants to pay some 'affordable' amount for it (of course less than the market price)... so when his taxes go up $100 a month to pay for a plan for everybody (or he gets fined for not buying a plan) then all is well...
I think $100/month is a small price to pay...
Originally posted by: nobodyknows
You little boys talking about how affordable health care is are just so cute.
Tell the truth, do you don't really believe all that crap you spout? If there were really good and affordable healthcare options out there for everyone do you think health costs would be front and center stage in this country?
Get real.
Originally posted by: ProfJohn
Steve, is the government option going to provide you with affordable healthcare?
If we added up the total cost of the government option and then divided by the number of people covered by the plan would we end up with a number that is smaller than what it will cost you to get insurance on your own?? Probably not.
Medicare currently covers 43 million Americans and cost the government $413 billion in FY 2009 that is a cost of nearly $10,000 for every person covered.
Can you go out and buy individual insurance for less than $10,000 per year?
Originally posted by: CPA
Originally posted by: nobodyknows
You little boys talking about how affordable health care is are just so cute.
Tell the truth, do you don't really believe all that crap you spout? If there were really good and affordable healthcare options out there for everyone do you think health costs would be front and center stage in this country?
Get real.
It's a big deal because the media and the current administration want it to be a big deal. Why wasn't a big deal when Bush was in office? Same reason.
Originally posted by: SammyJr
Originally posted by: ProfJohn
Steve, is the government option going to provide you with affordable healthcare?
If we added up the total cost of the government option and then divided by the number of people covered by the plan would we end up with a number that is smaller than what it will cost you to get insurance on your own?? Probably not.
Medicare currently covers 43 million Americans and cost the government $413 billion in FY 2009 that is a cost of nearly $10,000 for every person covered.
Can you go out and buy individual insurance for less than $10,000 per year?
Medicare isn't exactly a good example of what Government insurance would cost for everyone since Medicare covers the elderly, people practically guaranteed to get sick and need expensive care. If it was covering the entire population, the cost per person would be a lot lower.
Originally posted by: Zstream
Originally posted by: SirStev0
Originally posted by: ProfJohn
Steve, is the government option going to provide you with affordable healthcare?
If we added up the total cost of the government option and then divided by the number of people covered by the plan would we end up with a number that is smaller than what it will cost you to get insurance on your own?? Probably not.
Medicare currently covers 43 million Americans and cost the government $413 billion in FY 2009 that is a cost of nearly $10,000 for every person covered.
Can you go out and buy individual insurance for less than $10,000 per year?
Greater than 2/3 of the civilized world has found a way. WHY CAN'T WE?
Who the heck you think is doing R&D? Any business or Government for that matter will have to put research into R&D or you will be dead in a few years.
Oh and why cant you get a part time job and then have the employer provide Health care with a good tax break?
If you want some free insurance then the government can throw you a little piece, say cover 80% of expenses for the first six months of unemployment. If you can not find a job in six months to get the employer HC, you will go into a 40% bracket for six months. After a year, the cost will remain 40% for a total of a two year period. After that, a 20% coverage and 40% for medicine. Every step of the way you need proof of trying to be hired.
Either way, I or someone else will be paying for your HC.
There are ways to do this without providing everyone Government run HC!
Even with the last paragraph, it is evident we are doing a majority of R&D in the medical field.
http://www.nsf.gov/statistics/seind04/c4/c4s4.htm
http://www.msfaccess.org/
R&D expenditures in the United States alone account for roughly 44 percent of all OECD member countries' combined R&D investments
1. Global spending on health research is skewed towards wealthy markets
Global spending on medical innovation has increased dramatically from US$ 30 billion in 1986 to US$ 105.9 billion today. This may seem good news. But a closer look shows how 90% of this money is spent on the health problems of less than 10% of the world?s population. This is commonly referred to as the 10/90 gap.
The overwhelming majority of pharmaceutical industry profits come from wealthy countries. 87% of the world?s pharmaceutical market ? the US$ 518 billion made each year from drug sales - is made in North America, the European Union and Japan.
Originally posted by: shadow9d9
The other first world countries pay 1/2 what we pay and cover everyone for everything... they pay about 6-10% extra in healthcare. I'm 27, married , with one child, and we pay about 20% of our income on health insurance, not counting copays and deductibles.
Oh, I am self-employed. I guess we should shut down small businesses and have everyone work for big companies, right? That has worked so well over the last year...
Originally posted by: Nebor
Originally posted by: 0marTheZealot
Do you not see the problem you just said? You basically said "Choose school or choose your health." Without school, he'll be unable to participate in the economy and actually earn health insurance. On the other hand, if he falls ill and has to receive any sort of health care, he's out of luck because he can't afford health care. He's in a Catch-22 situation.
Comparing health insurance to an OLED or a sportscar is simply ignorant. Health insurance is just as important as food, water, shelter, clothing. Secondly, while internet/phone may be strictly optional, in the real world, it's extremely difficult to live without them. I can see living without internet, as there are many free options out there (library, computer labs), but without a cell phone is really stretching it.
Your post basically highlights why we need major healthcare reform in this country.
I see nothing wrong with what I said. You choose school or health insurance. Just like I choose to go running with my dog or fix the refrigerator door. Choices have to be made, and priorities set. As a poster in this thread already said, even working part time at Walmart can get you decent health insurance. Of course, the OP wants GREAT insurance for free.
Health insurance, food, water, shelter, clothing, OLEDs and sports cars are all just things. There's a limit supply of all of them. They have value. You have to pick and choose what you're going to expend your resources on.
Originally posted by: blackangst1
Originally posted by: shadow9d9
The other first world countries pay 1/2 what we pay and cover everyone for everything... they pay about 6-10% extra in healthcare. I'm 27, married , with one child, and we pay about 20% of our income on health insurance, not counting copays and deductibles.
Oh, I am self-employed. I guess we should shut down small businesses and have everyone work for big companies, right? That has worked so well over the last year...
Not catastrophic they dont.
Originally posted by: shadow9d9
Originally posted by: blackangst1
Originally posted by: shadow9d9
The other first world countries pay 1/2 what we pay and cover everyone for everything... they pay about 6-10% extra in healthcare. I'm 27, married , with one child, and we pay about 20% of our income on health insurance, not counting copays and deductibles.
Oh, I am self-employed. I guess we should shut down small businesses and have everyone work for big companies, right? That has worked so well over the last year...
Not catastrophic they dont.
I had catastrophic for myself only last year for $150 a month.. which is 1800 a year for just me. Catastrophic for the 3 of us would have been $5400 for catastrophic only. No coverage for doctor visits, prescriptions, etc.
For $9-10,000 I get everything covered and pre-existing conditions because we moved to a progressive state from a hick state(fl). With a child you don't skimp out.
$9-10k for families of 3, with a median income of $40k in this country, is the equivalent of 25% income tax. $5k for catastrophic only would be 12.5%.
Other countries pay 6-10%, everyone is covered for absolutely everything, no one is denied pre-existing conditions or dropped because they are not profitable enough.
If you made$ 100k, 10k is still 10%, and you still pay copays. Catastrophic would be 5% and covers nothing but hospitals. Again, compare this to 6-10% for other countries that cover every single thing with no copays, no pre-existing conditions, and no chance of coverage being dropped.
Next?
Originally posted by: blackangst1
Originally posted by: shadow9d9
Originally posted by: blackangst1
Originally posted by: shadow9d9
The other first world countries pay 1/2 what we pay and cover everyone for everything... they pay about 6-10% extra in healthcare. I'm 27, married , with one child, and we pay about 20% of our income on health insurance, not counting copays and deductibles.
Oh, I am self-employed. I guess we should shut down small businesses and have everyone work for big companies, right? That has worked so well over the last year...
Not catastrophic they dont.
I had catastrophic for myself only last year for $150 a month.. which is 1800 a year for just me. Catastrophic for the 3 of us would have been $5400 for catastrophic only. No coverage for doctor visits, prescriptions, etc.
For $9-10,000 I get everything covered and pre-existing conditions because we moved to a progressive state from a hick state(fl). With a child you don't skimp out.
$9-10k for families of 3, with a median income of $40k in this country, is the equivalent of 25% income tax. $5k for catastrophic only would be 12.5%.
Other countries pay 6-10%, everyone is covered for absolutely everything, no one is denied pre-existing conditions or dropped because they are not profitable enough.
If you made$ 100k, 10k is still 10%, and you still pay copays. Catastrophic would be 5% and covers nothing but hospitals. Again, compare this to 6-10% for other countries that cover every single thing with no copays, no pre-existing conditions, and no chance of coverage being dropped.
Next?
I do know in the UK you can be denied NHS coverage if you opt for additional private insurance (and why ARE there private insurance companies offering everything from maintenance care to catastrophic care if NHS pays for everything???). Also, after reading THIS Im not sure its so great.
Originally posted by: shadow9d9
I just explained how your suggestion that catastrophic coverage was much cheaper was ill informed...
I don't get the leap to the idea that if you choose a private insurance, you won't be part of their public insurance...
Our costs compared to everyone else's costs are super inflated and we get much much less. We also get excluded and denied on a daily basis so that companies can make a profit off of our suffering.
No system is perfect. But paying half the cost so that every american will be covered for everything is worth changing to. No system is perfect, but it sure can't get worse than here.
"Grandmother dies after NHS cancer treatment is withdrawn because she paid privately for life-extending drug "
If someone chooses to ignore the rules of the system, that is their fault. Here, we get denied because 20 years ago we had acne that wasn't reported. There they get denied because they did something they weren't supposed to do. Huge difference.