Link me Affordable healthcare.

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Fear No Evil

Diamond Member
Nov 14, 2008
5,922
0
0
Originally posted by: eskimospy
Originally posted by: Fear No Evil

So maybe the schools should address this problem? The OP is probably paying 10's of thousands of dollars a year to the school, force the student not to work or limit their work, but the problem is with INSURANCE companies? I don't see anyone complaining about the massive amount of money spent on education to pales in comparison to insurance.

But! But! Education isn't making people die. Hmm.. IT ISN'T? By forcing students to pay 10's of thousands a year and not providing them a way of being able to purchase healthcare. Maybe the SCHOOLS are the problem? Maybe instead of socializing our healthcare program we can pass some sort of law which will help students such as the OP take some of the massive amounts of money going to his school and reroute it to healthcare costs? IE, lets fix the problems and not fix a problem which is not there for many Americans.

I like how the insurance company's unaffordable product is somehow the school's fault.

So the student can afford, lets just throw our a round number.. $25,000 a year for the next 4-8 years to get through school.. but they can't afford a couple hundred a month for health insurance?

BUT.. BUT.. They can get loans for the school. Hmm.. Maybe then the school should find a way to include insurance into their costs so the students who cannot work either by choice or by university rules can get it? When you are talking $100k+ for an average college education, you don't think we can find some way to make an insurance payment for that timeframe as well?

Maybe schools with medical schools should provide FREE care to its students? Regardless of preconditions, costs, etc? Oh wait, we don't expect Academia to actually PRACTICE what they preach do we?
 

Carmen813

Diamond Member
May 18, 2007
3,189
0
76
Spend trillions just because things aren't OK for a small amount of Americans! This game is fun!

The question isn't spend trillions because things aren't okay for a "small" amount of Americans because we already do it. We spend $2,500 more per person on average than other countries yet do not cover at least 10% of our citizens. Another 5-10% are under insured. We can do better.

The question is about spending the same amount (or hopefully less) money and expanding coverage to all Americans. It can be done if we could stop arguing about idiotic problems and actual focus on what is wrong with the current system.
 

Fear No Evil

Diamond Member
Nov 14, 2008
5,922
0
0
Originally posted by: Carmen813
Originally posted by: Fear No Evil
Originally posted by: MovingTarget
Originally posted by: Dragula22
Originally posted by: ExarKun333
Your 23, get a job.

/thread

QFT.

Seriously. I don't understand the entitlement mentality.

Nice buzzword ya got there. Anyway, there are some programs that do not allow you to have an outside job - and when they do, they often limit how much time you can spend working. If you have a scholarship to law or med school, that can easily be the case. Even if they do not, do you really think that it is feasible in every case for a student to work? It isn't entitlement mentality, it is practicality.

So maybe the schools should address this problem? The OP is probably paying 10's of thousands of dollars a year to the school, force the student not to work or limit their work, but the problem is with INSURANCE companies? I don't see anyone complaining about the massive amount of money spent on education to pales in comparison to insurance.

But! But! Education isn't making people die. Hmm.. IT ISN'T? By forcing students to pay 10's of thousands a year and not providing them a way of being able to purchase healthcare. Maybe the SCHOOLS are the problem? Maybe instead of socializing our healthcare program we can pass some sort of law which will help students such as the OP take some of the massive amounts of money going to his school and reroute it to healthcare costs? IE, lets fix the problems and not fix a problem which is not there for many Americans.

Red Herring + Straw Man = Impressive.

Graduate schools do provide a way for students to purchase insurance, however, that insurance is provided by insurance companies and often isn't very good.

So the schools are choosing poor plans? Do ANY good insurance plans exist? I hear the Teacher's Unions have pretty good ones. Perhaps the teachers could provide access to THEIR plan? I hear they often pay very little toward it.

Or if the school has a medical school. Provide FREE card regardless of cost, preconditions, etc?
 

Carmen813

Diamond Member
May 18, 2007
3,189
0
76
Originally posted by: Wheezer
Originally posted by: SirStev0
This needs its own topic. You are no longer allowed to claim there are affordable options out there. Put up or shut up.


I am 23, healthy, no history of chronic diseases, unemployed (I am a student), & nonsmoker. You must prove that I will be fully covered and that I will not be denied for "preventative" tests.

I do not have an employer so you can not forget their share of the cost. Just as a for instance, if my thyroid is significantly and irregularly enlarged and my doctor wants me to have an MRI, this MUST be covered (this is an actual example of a friend with my same stats who recently had the $2000 procedure denied)

Any anti-reformer on here is free to answer with a link. This is not a debate thread. I don't want to hear your theories on the issue. I don't care about your fairy tale coverage. It is time to prove that there is affordable health care in America.

Any Euro-posters feel free to rub in your average tax cost for health care.

pssst....thousands of people go to school AND work......get a fucking job.

health care will NEVER be affordable to someone without an income.

when you get a job come back and we'll talk.

not to mention you can make payments to the providing hospital for the services......hell no, no one wants to pay out of pocket....grow up and learn to be responsible.

Some types of education, specifically graduate programs (and some undergraduate) make it impossible to both hold down a job and do well in school. If you want to get excellent grades (in order to obtain a better job in the future) than something has to give. If you want to earn a scholarship you need to get good grades. If you want to earn a fellowship, you are limited in how much you can work.

Until people understand that earning a college degree is WORK, and not the party haven that Hollywood and the Media make it out to be, people will continue to make ridiculous statements such as yours.

Not to mention that healthcare is very affordable to people without an income, it's called Medicaid. It's the middle class who gets screwed.
 

Fear No Evil

Diamond Member
Nov 14, 2008
5,922
0
0
Originally posted by: Carmen813
Spend trillions just because things aren't OK for a small amount of Americans! This game is fun!

The question isn't spend trillions because things aren't okay for a "small" amount of Americans because we already do it. We spend $2,500 more per person on average than other countries yet do not cover at least 10% of our citizens. Another 5-10% are under insured. We can do better.

The question is about spending the same amount (or hopefully less) money and expanding coverage to all Americans. It can be done if we could stop arguing about idiotic problems and actual focus on what is wrong with the current system.

Idiotic problems like how we are going to pay for it? Idiotic problems like discussing if we should nationalize a huge portion of our economy? Idiotic problems like discussing if costs will actually GO UP and quality of care will GO DOWN? Idiotic like that? :roll:

I'll take your word on the $2500 more per person. I don't know if thats accurate but lets say it is. WHERE is that extra $2500 going? Do we know? If we DO know, why don't we find a way to bring that cost down and provide coverage to underinsured people? If we DON'T know where its going, why do you think that government in running things that will change and not possibly even INCREASE?
 

OutHouse

Lifer
Jun 5, 2000
36,413
616
126
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?

anthem BC&BS?? that is the worst, they will drop you for just about anything and deny all kinds of stuff.
 

OutHouse

Lifer
Jun 5, 2000
36,413
616
126
Originally posted by: ProfJohn
Originally posted by: SirStev0
Go ahead and sign up and get sick. See how great they are. That or try to find a good cipher to read the plan.
You wanted affordable and I found you affordable, but now it is not good enough for you.

I guess what you really want is a gold plated plan on a students budget?

Do you think the government option is going to provide you better coverage than this private one?

yes, i do.
 

OutHouse

Lifer
Jun 5, 2000
36,413
616
126
Originally posted by: MovingTarget
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?

Here's that $89/month plan:

Per Month: $89
Deductible: $500

Providers: In network PPO, out of network requires additional consinsurance, separate deductible, and additional out of pocket maximum

Doctor Visits: First 3 yearly visits $30 copay. After that, 30% after deductible

Drugs: Separate $200/yr deductable per person. You pay $15 or 40%, whichever is greater. Coverage is for generic drugs only. $5000 yearly benefit maximum per person.

Hospital Inpatient & Outpatient Services: 30% coinsurance after deductible.

Routine Wellness Care: 1 yearly visit per person. $30 copay if within first three visits in given year, 30% if three visit limit has been reached. Routine Screenings: Covered after deductible, you pay 30%.

Emergency: 30% coinsurance aftger deductible if covered services are for emergency care as defined by Anthem.

Max Lifetime Benefit: $2million per person regardless of providers or facilities.


that is complete shit coverage and why people go bankrupt for medical cost even with insurance.
 

Wheezer

Diamond Member
Nov 2, 1999
6,731
1
81
Originally posted by: Citrix
Originally posted by: ProfJohn
Originally posted by: SirStev0
Go ahead and sign up and get sick. See how great they are. That or try to find a good cipher to read the plan.
You wanted affordable and I found you affordable, but now it is not good enough for you.

I guess what you really want is a gold plated plan on a students budget?

Do you think the government option is going to provide you better coverage than this private one?

yes, i do.

AHAHAHAHAHA....so young, so foolish.

apparently the handling of Social Security, Veteran medical care and the gross mis-management everyday of peoples tax money isn't enough for some people to learn a lesson.

sometimes they just gotta learn the hard way.

good luck with that.
 

OutHouse

Lifer
Jun 5, 2000
36,413
616
126
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.

doesnt count, you are employed and your employer is footing most of that bill. Im guessing its about 500-600 bucks at least. so could you afford the plan you are on if you had to play ALL OF IT out of your own paycheck? I know i could not and i probably have the same employer plan as you do through United Health

 

OutHouse

Lifer
Jun 5, 2000
36,413
616
126
Originally posted by: blackangst1
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.

Not to mention horribly bloated and ridden with fraud. Which is exactly what I want with my healthcare.

it already is bloated and full of fraud.

 

Carmen813

Diamond Member
May 18, 2007
3,189
0
76
Originally posted by: Fear No Evil
Originally posted by: Carmen813
Spend trillions just because things aren't OK for a small amount of Americans! This game is fun!

The question isn't spend trillions because things aren't okay for a "small" amount of Americans because we already do it. We spend $2,500 more per person on average than other countries yet do not cover at least 10% of our citizens. Another 5-10% are under insured. We can do better.

The question is about spending the same amount (or hopefully less) money and expanding coverage to all Americans. It can be done if we could stop arguing about idiotic problems and actual focus on what is wrong with the current system.

Idiotic problems like how we are going to pay for it? Idiotic problems like discussing if we should nationalize a huge portion of our economy? Idiotic problems like discussing if costs will actually GO UP and quality of care will GO DOWN? Idiotic like that? :roll:

I'll take your word on the $2500 more per person. I don't know if thats accurate but lets say it is. WHERE is that extra $2500 going? Do we know? If we DO know, why don't we find a way to bring that cost down and provide coverage to underinsured people? If we DON'T know where its going, why do you think that government in running things that will change and not possibly even INCREASE?

You are assuming I'm a strong advocate of a public option. I'm not, I think it would help, but I'm flexible on it. I'm fine with non-profit co-ops or a trigger for a public option if costs do not decrease. My biggest concern is instilling consumer protections by removing pre-existing conditions and lifetime caps. I'm a cancer survivor, those are real problems I face everyday.

Idiotic issues like "death panels," "cries of socialism," and "illegal immigrants." Stuff that detracts from what the debate should be about, like how we can effectively lower costs, emphasize preventative medicine, and improve quality of care while cutting unnecessary tests. In other words, propaganda that side rails a legitimate debate into demagoguery.

We do know where a large portion of that lost money goes. Some goes to administrative costs, some goes to profit, some goes to ordering of unnecessary tests, some to Medicare Fraud, and some to other issues. There is no one thing you can point at and say "this is the problem." There are lots of problems, which is why the bill is long.

The Lewin Group (which is non-partisan, but funded/owned by an insurance company) has a good analysis of HR3200 that they update periodically. It does a good job discussing the positive and negative aspects of the bill.
http://www.lewin.com/content/p...oundation%20Report.pdf

They estimate the total cost to the government will be $39 billion over 10 years. In other words, for about the cost of the Cash For Clunkers program each year we can provide 30 million more Americans with health insurance. Put another way, for 1/3 the cost of ONE MONTH in Iraq or Afghanistan we can obtain nearly universal coverage for 1 years. They also believe that about 20.7 million people would join the public plan (consistent with the 5% number Obama said in his speech).

That rosy picture is just through 2019. After that, due to rising health care costs, the deficit numbers would explode to $1 trillion over 10 years. Still cheaper than Iraq or the Bush Tax Cuts, but not a good sign by any measure. So we've got to do something about long term costs still. My point is that the bill is making a lot of progress. It isn't there yet, but it's getting much better.

 

TruePaige

Diamond Member
Oct 22, 2006
9,878
2
0

Originally posted by: MovingTarget
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?

Here's that $89/month plan:

Per Month: $89
Deductible: $500

Providers: In network PPO, out of network requires additional consinsurance, separate deductible, and additional out of pocket maximum

Doctor Visits: First 3 yearly visits $30 copay. After that, 30% after deductible

Drugs: Separate $200/yr deductable per person. You pay $15 or 40%, whichever is greater. Coverage is for generic drugs only. $5000 yearly benefit maximum per person.

Hospital Inpatient & Outpatient Services: 30% coinsurance after deductible.

Routine Wellness Care: 1 yearly visit per person. $30 copay if within first three visits in given year, 30% if three visit limit has been reached. Routine Screenings: Covered after deductible, you pay 30%.

Emergency: 30% coinsurance aftger deductible if covered services are for emergency care as defined by Anthem.

Max Lifetime Benefit: $2million per person regardless of providers or facilities.


that is complete shit coverage and why people go bankrupt for medical cost even with insurance.

That's another tactic the anti-UHC people take.

They claim only 16% of people are uninsured, so it isn't a problem.

Well 78% of the people who have bankruptcies for medical reasons HAD insurance.

So only 16% may have NO insurance, but a FAR LARGER number are underinsured / stuck on crap plans to the point that the number is already a SIGNIFICANT part of our nation's population.
 

OutHouse

Lifer
Jun 5, 2000
36,413
616
126
Originally posted by: Wheezer
Originally posted by: Citrix
Originally posted by: ProfJohn
Originally posted by: SirStev0
Go ahead and sign up and get sick. See how great they are. That or try to find a good cipher to read the plan.
You wanted affordable and I found you affordable, but now it is not good enough for you.

I guess what you really want is a gold plated plan on a students budget?

Do you think the government option is going to provide you better coverage than this private one?

yes, i do.

AHAHAHAHAHA....so young, so foolish.

apparently the handling of Social Security, Veteran medical care and the gross mis-management everyday of peoples tax money isn't enough for some people to learn a lesson.

sometimes they just gotta learn the hard way.

good luck with that.

im 41 and foolish

we took care of my mom for 3+ years before she passed in april and she was on medicare and AARP prescription drug coverage. I had no issues at all with Medicare or the Plan-D script coverage in fact it was better than what i have with united health provided through my employer. when she passed medicare paid for the ambulance, ER and two nights in intensive care.
 

Carmen813

Diamond Member
May 18, 2007
3,189
0
76
Originally posted by: Wheezer
Originally posted by: Citrix
Originally posted by: ProfJohn
Originally posted by: SirStev0
Go ahead and sign up and get sick. See how great they are. That or try to find a good cipher to read the plan.
You wanted affordable and I found you affordable, but now it is not good enough for you.

I guess what you really want is a gold plated plan on a students budget?

Do you think the government option is going to provide you better coverage than this private one?

yes, i do.

AHAHAHAHAHA....so young, so foolish.

apparently the handling of Social Security, Veteran medical care and the gross mis-management everyday of peoples tax money isn't enough for some people to learn a lesson.

sometimes they just gotta learn the hard way.

good luck with that.

The private sector has it's fair share of problems to (perhaps you remember last year when the countries economy almost collapsed due to idiotic decisions at all levels of the private market). It isn't an either/or proposition.
 

OutHouse

Lifer
Jun 5, 2000
36,413
616
126
Originally posted by: TruePaige

Originally posted by: MovingTarget
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?

Here's that $89/month plan:

Per Month: $89
Deductible: $500

Providers: In network PPO, out of network requires additional consinsurance, separate deductible, and additional out of pocket maximum

Doctor Visits: First 3 yearly visits $30 copay. After that, 30% after deductible

Drugs: Separate $200/yr deductable per person. You pay $15 or 40%, whichever is greater. Coverage is for generic drugs only. $5000 yearly benefit maximum per person.

Hospital Inpatient & Outpatient Services: 30% coinsurance after deductible.

Routine Wellness Care: 1 yearly visit per person. $30 copay if within first three visits in given year, 30% if three visit limit has been reached. Routine Screenings: Covered after deductible, you pay 30%.

Emergency: 30% coinsurance aftger deductible if covered services are for emergency care as defined by Anthem.

Max Lifetime Benefit: $2million per person regardless of providers or facilities.


that is complete shit coverage and why people go bankrupt for medical cost even with insurance.

That's another tactic the anti-UHC people take.

They claim only 16% of people are uninsured, so it isn't a problem.

Well 78% of the people who have bankruptcies for medical reasons HAD insurance.

So only 16% may have NO insurance, but a FAR LARGER number are underinsured / stuck on crap plans to the point that the number is already a SIGNIFICANT part of our nation's population.

i am not anti-UHC. that plan is complete bullshit you misread my post. i said that plans like this one is exactly why people go bankrupt even when they do have insurance.

 

zephyrprime

Diamond Member
Feb 18, 2001
7,512
2
81
I looked up ehealthinsurance and I found a plan for where I live for a 23yo male:

$141.08/mo - $2000 deductible, no copay, no coinsurance, $3M limit,

I'm sure they'll nickel and dime you by denying coverage for various things. That's standard operating procedure for all insurance companies unfortunately. I've had private and insurance through my workplace and every insurer I've had does it.

By the way, I also know that at my former employer, my health insurance plan cost $450 a month (my cost + employer cost). $20 copays and no deductible. They denied coverage on various things. I never had a major problem so I don't know how much coverage they would have denied for major things.

From my experience, employer provided health care is by far the most expensive and also you have no control over insurance quality because your employer chooses for you. Naturally, your employer only cares about costs not quality.
 

Thump553

Lifer
Jun 2, 2000
12,726
2,501
126
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.
 

Fear No Evil

Diamond Member
Nov 14, 2008
5,922
0
0
Originally posted by: Carmen813
Originally posted by: Wheezer
Originally posted by: Citrix
Originally posted by: ProfJohn
Originally posted by: SirStev0
Go ahead and sign up and get sick. See how great they are. That or try to find a good cipher to read the plan.
You wanted affordable and I found you affordable, but now it is not good enough for you.

I guess what you really want is a gold plated plan on a students budget?

Do you think the government option is going to provide you better coverage than this private one?

yes, i do.

AHAHAHAHAHA....so young, so foolish.

apparently the handling of Social Security, Veteran medical care and the gross mis-management everyday of peoples tax money isn't enough for some people to learn a lesson.

sometimes they just gotta learn the hard way.

good luck with that.

The private sector has it's fair share of problems to (perhaps you remember last year when the countries economy almost collapsed due to idiotic decisions at all levels of the private market). It isn't an either/or proposition.

But you also need to remember that the government who was charged to regulate these institutions, and people like Bernie Madoff, completely failed in their responsibility as well. While you can't 100% trust the private sector you cannot trust the government 100% either... if anything they are less trustworthy because they can screw you and there is nothing you can do about it.
 

blackangst1

Lifer
Feb 23, 2005
22,914
2,359
126
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.

Have you looked at insurance pools in your state?
 

Phokus

Lifer
Nov 20, 1999
22,995
776
126
Originally posted by: blackangst1
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.

Have you looked at insurance pools in your state?

Stop advocating terrible free market ideas, thanks

http://healthcare-economist.com/2006/08/17/pacadvantage-adverse-selection-death-spiral/

The adverse selection death spiral has reared its ugly head again. PacAdvantage, an insurance pooling company for 6000 small and medium sized businesses in California has closed its doors. The Sacramento Business Journal reports (?Backer pulls plug on PacAdvantage health purchasing pool?) that the three remaining insurers underwriting the plan have pulled out. Michael Holt of The Health Care Blog analyzes has some perceptive analysis of the situation:

?What happens to voluntary purchasing pools? Simple economics?they only get customers who can?t get a better deal in the underwritten insurance market and so they go into a death spiral where the people in them are too sick to be supported by the premiums they charge. Today PacAdvantage announced that it was closing down, throwing 110,000 people into the small group and individual market, where by definition, no insurer wants them (unless they?re like me?very lucky).

PacAdvantage is the type of organization that our friends in the ?voluntary universal insurance? world (Cato, Galen et al) think is going to solve all of our problems, with no need for pesky mandates to buy insurance, or for community rating, or standardized benefits packages.?

In my June 15th post, I mentioned Cutler and Zeckhauser?s 1997 paper which discussed this concept of an adverse selection death spiral in the context of Harvard?s employee health insurance plans.
 

blackangst1

Lifer
Feb 23, 2005
22,914
2,359
126
Originally posted by: Phokus
Originally posted by: blackangst1
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.

Have you looked at insurance pools in your state?

Stop advocating terrible free market ideas, thanks

http://healthcare-economist.com/2006/08/17/pacadvantage-adverse-selection-death-spiral/

The adverse selection death spiral has reared its ugly head again. PacAdvantage, an insurance pooling company for 6000 small and medium sized businesses in California has closed its doors. The Sacramento Business Journal reports (?Backer pulls plug on PacAdvantage health purchasing pool?) that the three remaining insurers underwriting the plan have pulled out. Michael Holt of The Health Care Blog analyzes has some perceptive analysis of the situation:

?What happens to voluntary purchasing pools? Simple economics?they only get customers who can?t get a better deal in the underwritten insurance market and so they go into a death spiral where the people in them are too sick to be supported by the premiums they charge. Today PacAdvantage announced that it was closing down, throwing 110,000 people into the small group and individual market, where by definition, no insurer wants them (unless they?re like me?very lucky).

PacAdvantage is the type of organization that our friends in the ?voluntary universal insurance? world (Cato, Galen et al) think is going to solve all of our problems, with no need for pesky mandates to buy insurance, or for community rating, or standardized benefits packages.?

In my June 15th post, I mentioned Cutler and Zeckhauser?s 1997 paper which discussed this concept of an adverse selection death spiral in the context of Harvard?s employee health insurance plans.

As one with a lifelong pre-existing condition, who payed $39/mo for a year for it, Im happy to say it worked fine for me.
 

TruePaige

Diamond Member
Oct 22, 2006
9,878
2
0
Originally posted by: Citrix
Originally posted by: TruePaige

Originally posted by: MovingTarget
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?

Here's that $89/month plan:

Per Month: $89
Deductible: $500

Providers: In network PPO, out of network requires additional consinsurance, separate deductible, and additional out of pocket maximum

Doctor Visits: First 3 yearly visits $30 copay. After that, 30% after deductible

Drugs: Separate $200/yr deductable per person. You pay $15 or 40%, whichever is greater. Coverage is for generic drugs only. $5000 yearly benefit maximum per person.

Hospital Inpatient & Outpatient Services: 30% coinsurance after deductible.

Routine Wellness Care: 1 yearly visit per person. $30 copay if within first three visits in given year, 30% if three visit limit has been reached. Routine Screenings: Covered after deductible, you pay 30%.

Emergency: 30% coinsurance aftger deductible if covered services are for emergency care as defined by Anthem.

Max Lifetime Benefit: $2million per person regardless of providers or facilities.


that is complete shit coverage and why people go bankrupt for medical cost even with insurance.

That's another tactic the anti-UHC people take.

They claim only 16% of people are uninsured, so it isn't a problem.

Well 78% of the people who have bankruptcies for medical reasons HAD insurance.

So only 16% may have NO insurance, but a FAR LARGER number are underinsured / stuck on crap plans to the point that the number is already a SIGNIFICANT part of our nation's population.

i am not anti-UHC. that plan is complete bullshit you misread my post. i said that plans like this one is exactly why people go bankrupt even when they do have insurance.

I was trying to echo the sentiment and add to it for others to see.

Your quote brackets above were all messed up, and I just quick edited and took out the quote bracket so...whatever, I just said what my intent was, hopefully that comes through now.
 

Phokus

Lifer
Nov 20, 1999
22,995
776
126
Originally posted by: blackangst1
Originally posted by: Phokus
Originally posted by: blackangst1
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.

Have you looked at insurance pools in your state?

Stop advocating terrible free market ideas, thanks

http://healthcare-economist.com/2006/08/17/pacadvantage-adverse-selection-death-spiral/

The adverse selection death spiral has reared its ugly head again. PacAdvantage, an insurance pooling company for 6000 small and medium sized businesses in California has closed its doors. The Sacramento Business Journal reports (?Backer pulls plug on PacAdvantage health purchasing pool?) that the three remaining insurers underwriting the plan have pulled out. Michael Holt of The Health Care Blog analyzes has some perceptive analysis of the situation:

?What happens to voluntary purchasing pools? Simple economics?they only get customers who can?t get a better deal in the underwritten insurance market and so they go into a death spiral where the people in them are too sick to be supported by the premiums they charge. Today PacAdvantage announced that it was closing down, throwing 110,000 people into the small group and individual market, where by definition, no insurer wants them (unless they?re like me?very lucky).

PacAdvantage is the type of organization that our friends in the ?voluntary universal insurance? world (Cato, Galen et al) think is going to solve all of our problems, with no need for pesky mandates to buy insurance, or for community rating, or standardized benefits packages.?

In my June 15th post, I mentioned Cutler and Zeckhauser?s 1997 paper which discussed this concept of an adverse selection death spiral in the context of Harvard?s employee health insurance plans.

As one with a lifelong pre-existing condition, who payed $39/mo for a year for it, Im happy to say it worked fine for me.

They're great... until they become insolvent.
 

Wheezer

Diamond Member
Nov 2, 1999
6,731
1
81
Originally posted by: Citrix
Originally posted by: Wheezer
Originally posted by: Citrix
Originally posted by: ProfJohn
Originally posted by: SirStev0
Go ahead and sign up and get sick. See how great they are. That or try to find a good cipher to read the plan.
You wanted affordable and I found you affordable, but now it is not good enough for you.

I guess what you really want is a gold plated plan on a students budget?

Do you think the government option is going to provide you better coverage than this private one?

yes, i do.

AHAHAHAHAHA....so young, so foolish.

apparently the handling of Social Security, Veteran medical care and the gross mis-management everyday of peoples tax money isn't enough for some people to learn a lesson.

sometimes they just gotta learn the hard way.

good luck with that.

im 41 and foolish

we took care of my mom for 3+ years before she passed in april and she was on medicare and AARP prescription drug coverage. I had no issues at all with Medicare or the Plan-D script coverage in fact it was better than what i have with united health provided through my employer. when she passed medicare paid for the ambulance, ER and two nights in intensive care.

things will be just a bit different and policies will change when EVERYONE is on some big massive group plan.
 
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