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slag

Lifer
Dec 14, 2000
10,473
81
101
Insurance companies control healthcare, don't blame Obama.
No, they really dont. Insurance companies are reliant on how much providers charge for their services as well as other things. Things spiraled out of control when those who can afford their own health care were also required to pay for those who could not. That's not right in any way shape or form to this degree of how much premiums have risen.

Source: I work for an insurance company who specializes in health care.
 

pauldun170

Diamond Member
Sep 26, 2011
9,139
5,074
136
No, they really dont. Insurance companies are reliant on how much providers charge for their services as well as other things. Things spiraled out of control when those who can afford their own health care were also required to pay for those who could not. That's not right in any way shape or form to this degree of how much premiums have risen.

Source: I work for an insurance company who specializes in health care.

...and providers charge based on the assumption that insurance companies are going to screw them.
 

Homerboy

Lifer
Mar 1, 2000
30,856
4,974
126
No, they really dont. Insurance companies are reliant on how much providers charge for their services as well as other things. Things spiraled out of control when those who can afford their own health care were also required to pay for those who could not. That's not right in any way shape or form to this degree of how much premiums have risen.

Source: I work for an insurance company who specializes in health care.

I pay for the public schools, police and fire protection for those that can't/don't.
 

HumblePie

Lifer
Oct 30, 2000
14,667
440
126
This is my WEEKLY family premium. Took a snip image from the ADP portal my company uses.

 

Rumpltzer

Diamond Member
Jun 7, 2003
4,815
33
91
My insurance premiums went up 40% two years ago (after Obamacare start) and then another 25% last year. My deductibles went up so much that I pretty much never get covered by my insurance.

So, they're taking more from me, and I pretty much pay out of my own pocket.

Seems fair....
 

sactoking

Diamond Member
Sep 24, 2007
7,547
2,759
136
On that note, I wonder why companies with the highest number of workers don't push for single payer? Shifting the burden off of employers and onto the taxpayers would be in their interests.
The big companies don't care, they self insure under ERISA.
 

Mai72

Lifer
Sep 12, 2012
11,578
1,741
126
You know what's funny.

1) If you're wealthy you don't need the health care.
They've got millions!

2) If you're poor the government will just pay for all of it.
Sick and can't pay? No problem!
Need surgery and can't pay? Just come in tomorrow and we'll bill the taxpayers.

3) But if you're middle class? Ohh... You're going to pay and god damn you'll like it.
 

Naer

Diamond Member
Nov 28, 2013
3,290
136
106
In the mobile gaming world, freemium apps are still pos's
 

lxskllr

No Lifer
Nov 30, 2004
57,659
7,893
126
In the mobile gaming world, freemium apps are still pos's
Freemium healthcare would be a unique approach. Basic surgery is free, but you have to pay for anesthesia. You get a cot for a hospital room, and the janitor checks on you twice a day, but for an additional charge, you can get a bed and a nurse. I could get behind that as long as I can use my phone to upgrade instantly.
 
Reactions: Naer

Slew Foot

Lifer
Sep 22, 2005
12,381
96
86
Freemium healthcare would be a unique approach. Basic surgery is free, but you have to pay for anesthesia. You get a cot for a hospital room, and the janitor checks on you twice a day, but for an additional charge, you can get a bed and a nurse. I could get behind that as long as I can use my phone to upgrade instantly.


Freemium healthcare is kinda what we have right now. Poor people and illegals get everything for free, everyone else is the "whale" that is paying for them to play for free (along with giant piles of administrators that sit around and dont do anything useful).
 

TechAZ

Golden Member
Sep 8, 2007
1,188
0
71
I've been in healthcare for about 15 years. When I started, healthcare was actually free for employees. Within the past 7 years or so, it has gotten worse every year. 1 year the premiums will be the same but co-pays and deductible goes up, the next year the premiums go up. What was free 15 years ago now costs roughly 400 a month for family coverage. Of course it could be less if I took out a high deductible plan...which is a ridiculous option. Good luck getting 3-6k insurance companies...yeah, people can't afford to opt into traditional coverage but will pay you that much before coverage begins. Sounds smart.

Everyone is on the greed train in healthcare. Hospitals, insurance companies, and suppliers. The longer I work in the hospital setting, the more I believe it is the hospitals who are the greediest. There's a push now for so many surgeries being "robotic assisted" and even surgeons doing fucking hernia repairs using the Davinci robot...like the 3 day recovery is too much? Let's tack on more to your bill because we used a damn robot....good grief it's just getting stupid. Let's purchase a 2 million dollar robot to fix hernias and provide you with an insignificant recovery time...it drives me insane.
 

manly

Lifer
Jan 25, 2000
11,353
2,367
136
No, they really dont. Insurance companies are reliant on how much providers charge for their services as well as other things. Things spiraled out of control when those who can afford their own health care were also required to pay for those who could not. That's not right in any way shape or form to this degree of how much premiums have risen.

Source: I work for an insurance company who specializes in health care.
lol you're very credible then, and your employer has no vested interest.

The truth is that health care costs have skyrocketed since at least the late 90s. The cost curve was actually bent down a bit since a few years ago, but probably more due to the Great Recession than to the ACA.

But yeah it's all Obama's fault because he couldn't get a single payer system past the GOP/voters, and costs have been far outstripping inflation since well before he was even a lowly state senator in Illinois.
 

Jeeebus

Diamond Member
Aug 29, 2006
9,180
897
126
doesn't matter who you blame... the fact of the matter is the system is broken and Obamacare isn't fixing it. Many of the major carriers are dropping out so our choices not only suck, they are very limited as well. We got our notice that United was pulling out so I had to do some shopping.

Not sure how, but I managed to find a semi-shitty plan through the Florida Bar for about $200/month less than we were paying with United. Every other plan with similar coverage through the exchange was at least a 15% increase to what we were paying.
 

SearchMaster

Diamond Member
Jun 6, 2002
7,792
114
106
doesn't matter who you blame... the fact of the matter is the system is broken and Obamacare isn't fixing it. Many of the major carriers are dropping out so our choices not only suck, they are very limited as well. We got our notice that United was pulling out so I had to do some shopping.

Not sure how, but I managed to find a semi-shitty plan through the Florida Bar for about $200/month less than we were paying with United. Every other plan with similar coverage through the exchange was at least a 15% increase to what we were paying.
ACA isn't fixing anything for people like you and me, Jeeebus. We are the "evil rich" (we're not) and can afford the premiums - of course my family hasn't had a vacation in 3 years because of my $25K/year premiums. It isn't even helping people like my sister, who is lower middle class and she has literally had to take on a third job just to pay for her health insurance, which has tripled in the last 5 years. It *is* helping some lower class people, which is good I guess, but they've always had a built-in system of going to the ER for the sniffles since they weren't going to pay anything anyway.
 

OverVolt

Lifer
Aug 31, 2002
14,278
89
91
I've been in healthcare for about 15 years. When I started, healthcare was actually free for employees. Within the past 7 years or so, it has gotten worse every year. 1 year the premiums will be the same but co-pays and deductible goes up, the next year the premiums go up. What was free 15 years ago now costs roughly 400 a month for family coverage. Of course it could be less if I took out a high deductible plan...which is a ridiculous option. Good luck getting 3-6k insurance companies...yeah, people can't afford to opt into traditional coverage but will pay you that much before coverage begins. Sounds smart.

Everyone is on the greed train in healthcare. Hospitals, insurance companies, and suppliers. The longer I work in the hospital setting, the more I believe it is the hospitals who are the greediest. There's a push now for so many surgeries being "robotic assisted" and even surgeons doing fucking hernia repairs using the Davinci robot...like the 3 day recovery is too much? Let's tack on more to your bill because we used a damn robot....good grief it's just getting stupid. Let's purchase a 2 million dollar robot to fix hernias and provide you with an insignificant recovery time...it drives me insane.
Oh lord yea those robots are $1.25mil a pop I've seen 5 if them idle in the hallway.

The EHR's are about a hundred mil, required by obamacare.

And people scratch their heads that the costs keep going up.

Also people don't understand coinsurance generally. Coinsurance in the 1980's meant you had terrible healthcare. My sister broke her arm back badly and it required alot of care and my family had 80/20 and it nearly bankrupted them.

Today 80/20 is silver. What a joke.
 

Jeeebus

Diamond Member
Aug 29, 2006
9,180
897
126
ACA isn't fixing anything for people like you and me, Jeeebus. We are the "evil rich" (we're not) and can afford the premiums - of course my family hasn't had a vacation in 3 years because of my $25K/year premiums. It isn't even helping people like my sister, who is lower middle class and she has literally had to take on a third job just to pay for her health insurance, which has tripled in the last 5 years. It *is* helping some lower class people, which is good I guess, but they've always had a built-in system of going to the ER for the sniffles since they weren't going to pay anything anyway.

Preach, brother. Preach.

My wife has been home the last year, but she was teaching at public high school before. On a shitty teacher salary (roughly $40,000/yr), insurance through the school for the family was like $1200/mo. It would literally be impossible for a single earner with a family to afford it. No subsidy of course due to evil Jeeebus income.
 

SearchMaster

Diamond Member
Jun 6, 2002
7,792
114
106
I have a good friend who is a recently divorced adoption attorney - solo, not in a firm. She doesn't make a lot of money relative to a lot of attorneys, but this is her passion and she truly loves helping families. Her children are on her ex-husband's insurance, and her premiums for herself alone are now $1100/mo. She is stressing like mad right now, because she was barely making ends meet before, and the most recent increase takes another $5K/year out of her pocket.

I'm sure she could bill these families more for her services, or give up her life's work and join a firm and make twice as much, but it would seriously destroy her soul.
 

purbeast0

No Lifer
Sep 13, 2001
52,930
5,802
126
Not for me!

Still pay $0 out of pocket for the plan for myself and my family, company covers it 100%.
 

sdifox

No Lifer
Sep 30, 2005
96,183
15,777
126
It is hilarious how Americans pay the most for healthcare and do not get the best result yet are scared of socialized healthcare.
 

Jeeebus

Diamond Member
Aug 29, 2006
9,180
897
126
Not for me!

Still pay $0 out of pocket for the plan for myself and my family, company covers it 100%.

That's sort of the problem, though - not for you personally, but for independence and entrepreneurship. Your company is paying a shit ton of premium to offer you 100% coverage - if you ever wanted to strike out on your own or go elsewhere, health insurance becomes a major concern. Because you're no longer part of a huge discounted group, you will pay exorbitant amounts to keep your family insured. There is no shortage of people out there afraid to transition employment because they are afraid of the insurance ramifications.
 
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