wudger
|
Joined: 12/20/2007
Msg: 26 | |
| just an idea about affordable healthcare
Posted: 10/7/2009 8:26:57 PM | because its EVIL SOCIALISM and its a SECRET OBAMA PLAN TO TURN THE NATION INTO SOFT SOCIALISTS SO THE TERRORISTS CAN TAKE OVER.
who the hell knows. americans have been putting up with shafting small business since the 80s. the only person who tried to fix it was clinton and he was crucified for it.
we're a weird country. | |
|
| just an idea about affordable healthcare
Posted: 10/9/2009 4:19:24 PM | Well, while y'all are mulling over the insurance end, here's a nifty article about how the number of doctors in a town often affects the cost of health care. This is something else I've pointed out with no response. If a doctor is paid by the procedure, he is more likely to recommend more and expensive procedures. When doctors are on salary, they tend to be more conservative in their treatment and prescribe what's best for the patient, not what's best for their pocket.
This article is lengthy but very good. Check it out:
http://www.npr.org/templates/story/story.php?storyId=113571111&sc=fb&cc=fp
As I've said before, the high cost of health care in the U.S. is a problem that has many facets. I believe this is one of them. | |
|
| just an idea about affordable healthcare
Posted: 10/10/2009 8:15:01 AM | I use to work for insurance companies and brokerage houses in the early days for computer applications.....
What you are talking about is called an Indemnity Plan. They are STILL around! You CAN get insurance for around $150.00 a month for those types of plans depending on age and health. Usually those plans are $3000.00 deductible. 80/20 in network up to 5000.00 or 70/30 0r even 50/50... Total out of pocket can be around $4000.00 for a year.... What the problem is with many of these policies. Riders!!! EXACTLY what people have said. IF you have a medical problem prior then it is not covered!!!!
How about this!!! Just like Flood insurance that the government offers..... How about IF you have a major medical problem like Heart, Cancer, Diabetic, etc.... The government will cover 100% of the cost for major problems!~ MD??? No problem! MS??? No Problem!!!! AIDS?!!!???? No problem... The government will cover it!!!! And NO you do not have to go to a Community Hospital! It will be covered... NOW they will NOT cover colds, flu, chronic ability to get pregnant and have abortions!!!!
That will be up to your major medical provider.....
IF you lose your job... COBRA is the dumbest invention I have seen. They price it way out of pocket.. It's like increasing interest on a loan you cant pay! Well DUH!!! No more cobra!!! You self insure and take it with you!
That or maybe congress should let us have the SAME insurance they have for $250.00 a month for a family!!! hahahahahahahahahaha B@s- Tards!~!!
Clinton tried to fix what??? In 1993 I paid $146.00 per month for a policy that my TOTAL OUT OF POCKET expense was $750.00 FOR A YEAR on illness.
That means if I got sick I paid $750.00 for the WHOLE YEARS worth of doctor visits or hospital stay! Plus my $146.00 per month @ 12 months! = $2502.00
that is it!!! $2502.00 FOR A YEARS WORTH OF CARE!!!! How cheap is that???
After Hitlary was done with the ILLEGAL SECRET TALKS with the health-care industry my insurance company seen the light of the future and got out!
| |
|
| just an idea about affordable healthcare
Posted: 10/10/2009 7:52:12 PM |
I have seen bucket loads of medical bloating of the insured. Scenario: A patient has an appendectomy and it hurts like hell to cough or deep breath. The patient developes a condition know as atelectasis. Instead of having a nurse teach the patient to splint and deep breath ( which would correct the problem for no charge) the doc orders a pulmonary consult. This helps his colleague cash wise. The pulmonologist then orders an arterial blood gas, Pul function testing, nebulizer treatments. This justifies the cost of the consult and the hosp makes $$$.
Did the patient really reaquire all this? In some cases yes but in the majority no.
This is exactly why healthcare needs to be reformed.
So true. Thats just the tip of the iceberg. However, the way you just broke
down that one incident....needs to blanket the entire hospitals practice.
Indeed Millions of dollars could be saved without compromising qualtiy
of care! | |
|
| just an idea about affordable healthcare
Posted: 10/11/2009 1:20:33 PM | I have questions for Republicans who favor the option to shop for your health insurance from a company out-of-state.
Would this option be mandated, in otherwords, would a Insurer have to cover a person from another State?
If I lived in California and Wanted to buy Blue Cross Blue Shield of Arkansas, because it would be less expensive, would BCBS of Arkansas have to cover me and provide me the same insurance mandated by the California Insurance Board?
What insentive would there be for BCBS of Ak to cover me if they would have to match the same coverage as BCBS of Ca ?
The reverse could be the same, If I live in Ak and wanted the coverage offered to Ca residents by BCBS of Ca, would I be able to upgrade, and would the Akansas Insurance board uphold that I was intitled to the same coverage as if I were in Ca.? | |
|
| just an idea about affordable healthcare
Posted: 10/11/2009 7:05:47 PM |
Would this option be mandated, in otherwords, would a Insurer have to cover a person from another State?
I am not a Republican. But it would not be mandated it would be an option for other insurance companies to compete across state lines. right now the states approve a few companies to do business in their states. Here's an example my car insurance is with Allstate. I had it threw my credit union which I thought was a good deal. But Allstate made a better offer because the companies divided up the state. They had my area to cover so made a better offer. But yet screwed people in the others.
There are so many other viable options than government run. I am putting together a plan for health care reform. It is going to take me a little longer for the research. I still have a few doctors to interview. But I think it will work.
The whole idea is to get them competing with each other.
I had to have a cervical fusion. from a car wreck. It was going to be paid for out of my settlement. I called three hospitals. One said they would do it for 13 grand one said 9 grand and one said 19 grand. I told my doctor we were going to the cheap hospital and he said he did not want it there because if something went wrong the expensive one had better trauma care. I almost told him tuff just do your job and be more careful. He said that he never had a patient shop for surgery like a car.
Health care reform is not just one answer and the fed sure aint the solver. Fix social security and medi care and medi cade first if they can do that them maybe I would trust them with my health care.
Right now is a good time to shop for deals. they are all private companies and have business managers that will cut deals for cash payments or your business. Maybe insurance companies can give you discounts on your premiums if you try and save them money. There are more than one MRI machine in each city. get them fighting for your money. | |
|
| just an idea about affordable healthcare
Posted: 10/11/2009 9:59:15 PM | .
I have questions for Republicans who favor the option to shop for your health insurance from a company out-of-state.
Would this option be mandated, in otherwords, would a Insurer have to cover a person from another State?
Hey.... Your not allowed to ask any questions.............
Accept ........
The many benefits of " purchase across state lines" thing.... ...
Insurance companies want to eliminate state regulation..... Or be allowed to find the most Pro-Insurance state.... The Credit Card industry located to states with NO usury laws....
FREE MARKET.... LOTS OF COMPETETION.....
The Regulations are killing Profits.....Most important .... NO Federal Regulations... smaller Government...
Insurance companies, (Health and Malpractice) are exempt from Federal anti-trust, price fixing and any gouging laws ......
The Federal Government cannot REGULATE..... McCarran-Ferguson Act of 1945 (15 U.S.C. § 1011 et seq.)
How about repeal McCarran-Ferguson and enforce Anti-trust and Price Fixing....
That isn't what is meant by across state lines is it? Tort reform and cross state sales ....
Sell out of the consumer.....
There is no competition in H/C insurance
 | |
|
| just an idea about affordable healthcare
Posted: 10/12/2009 12:54:00 PM | There are current reciprocal agreements already in place with networks of adjoining states ie if you are in Californai and suffer an illness in Oregon or Nevada or Arizona. You are covered for services at a network facility as if it were at your home of record. Emergency care is a total different thing, if you have an ACTUAL emergent care issue it is covered nomatter where you got it (CONUS)
Now that doesnt mean the insurance company is going to deny you care. They may, and probably will limit payment for that visit; especially if you are out of network on it.
If you are from Arkansas and want to use the Health Care in Washington state, you are paying your out of network costs, and you are likely to pay a bigger upfront copay/deductible.
Each state has their own Insurance commissionar and Health Guideline policies, dont expect these beauracratst to give up their position, its too padded and cush with kick backs.
Its gonna be a mess, and will probably be passed next week. Dont like it? Get your passports ready. | |
|
| just an idea about affordable healthcare
Posted: 10/12/2009 1:25:58 PM | ^^^^^^^^^No I dont want to use the Health services in Out of sate facility...I want the heath insurance offered in Washinton state and stay in my home state and use the facilities in my home state. As per the ..."Cross state lines to buy your Insurance option", offred by the Republicans. ..because it doest make make much sence to buy insurance in Washinton state, and then have to travel to Wa for treatment...where would the savings be in that?
I wish a Republican could explain this option to me...I know Im missing something, I just cant figure out how this works. | |
|
| just an idea about affordable healthcare
Posted: 10/12/2009 3:28:27 PM |
Each state has their own Insurance commissionar and Health Guideline policies, dont expect these beauracratst to give up their position, its too padded and cush with kick backs.
You feel no regulation would be better?
McCarran-Ferguson Act will not be repealed the only regulation is State regulators....
Unless you are covered by a major employer..... There is no policy ... they self insure, Health care companies only administer. The employer makes the buck....
How would this cross border sales work? No regulation of the 5 major companies?
Tonight on the Ed show there will be a family with a four month old that is Un-insurable.... The reason ...
Childern above the 94 precentile are refused.... The kid is breast feeding ...
How about a diet? drugs? | |
|
| just an idea about affordable healthcare
Posted: 10/23/2009 6:53:13 PM | What you are talking about is called an Indemnity Plan. They are STILL around! You CAN get insurance for around $150.00 a month for those types of plans depending on age and health. Usually those plans are $3000.00 deductible. 80/20 in network up to 5000.00 or 70/30 0r even 50/50... Total out of pocket can be around $4000.00 for a year.... What the problem is with many of these policies. Riders!!! EXACTLY what people have said. IF you have a medical problem prior then it is not covered!!!!
Depends on your age. It would cost me at least $200/month to get a plan with a $5000 deductible. That means that I have to spend $5000 before I get *any* reimbursement from insurance. And, as you point out, they exclude "existing conditions" which essentially means anything you've ever been treated for.
Clinton tried to fix what??? In 1993 I paid $146.00 per month for a policy that my TOTAL OUT OF POCKET expense was $750.00 FOR A YEAR on illness.
That means if I got sick I paid $750.00 for the WHOLE YEARS worth of doctor visits or hospital stay! Plus my $146.00 per month @ 12 months! = $2502.00
that is it!!! $2502.00 FOR A YEARS WORTH OF CARE!!!! How cheap is that???
After Hitlary was done with the ILLEGAL SECRET TALKS with the health-care industry my insurance company seen the light of the future and got out!
Oh, so *that's* what happened to health insurance! Hillary screwed it all up. Man, she must be one powerful woman to do that all by herself. You'd think if she was that powerful she could have won the nomination for president.
According to CNN.com:
"Over the past decade, the annual cost of family coverage has risen 131% and the annual cost for single coverage is up 120%, according to Kaiser. In each of the past 10 years, insurance increases have outpaced inflation -- sometimes by as much as 11 percentage points"
http://money.cnn.com/2009/09/15/news/economy/health_insurance_costs/index.htm
You think Hillary did that all by herself?
First, they insured the veterans and I did not speak up because I was not a veteran. Then they insured the elderly and I did not speak up because I was not elderly. Then they insured the poor and I did not speak up because I was not poor. Then they insured me and . . . wait! I've got health insurance?
| |
|
| just an idea about affordable healthcare
Posted: 10/23/2009 7:02:00 PM | What you are talking about is called an Indemnity Plan. They are STILL around! You CAN get insurance for around $150.00 a month for those types of plans depending on age and health. Usually those plans are $3000.00 deductible. 80/20 in network up to 5000.00 or 70/30 0r even 50/50... Total out of pocket can be around $4000.00 for a year.... What the problem is with many of these policies. Riders!!! EXACTLY what people have said. IF you have a medical problem prior then it is not covered!!!!
Depends on your age. It would cost me at least $200/month to get a plan with a $5000 deductible. That means that I have to spend $5000 before I get *any* reimbursement from insurance. And, as you point out, they exclude "existing conditions" which essentially means anything you've ever been treated for.
Clinton tried to fix what??? In 1993 I paid $146.00 per month for a policy that my TOTAL OUT OF POCKET expense was $750.00 FOR A YEAR on illness.
That means if I got sick I paid $750.00 for the WHOLE YEARS worth of doctor visits or hospital stay! Plus my $146.00 per month @ 12 months! = $2502.00
that is it!!! $2502.00 FOR A YEARS WORTH OF CARE!!!! How cheap is that???
After Hitlary was done with the ILLEGAL SECRET TALKS with the health-care industry my insurance company seen the light of the future and got out!
Oh, so *that's* what happened to health insurance! Hillary screwed it all up. Man, she must be one powerful woman to do that all by herself. You'd think if she was that powerful she could have won the nomination for president.
According to CNN.com:
"Over the past decade, the annual cost of family coverage has risen 131% and the annual cost for single coverage is up 120%, according to Kaiser. In each of the past 10 years, insurance increases have outpaced inflation -- sometimes by as much as 11 percentage points"
http://money.cnn.com/2009/09/15/news/economy/health_insurance_costs/index.htm
You think Hillary did that all by herself?
First, they insured the veterans and I did not speak up because I was not a veteran. Then they insured the elderly and I did not speak up because I was not elderly. Then they insured the poor and I did not speak up because I was not poor. Then they insured me and . . . wait! I've got health insurance? Evil terrorists! | |
|
| just an idea about affordable healthcare
Posted: 10/23/2009 9:15:29 PM | Billionairs for Wealthcare are at it again.............
Its good....
http://news.firedoglake.com/2009/10/23/today-in-anti-insurance-industry-musical-parodies-and-talking-babies/
 | |
|
wudger
|
Joined: 12/20/2007
Msg: 39 | |
| just an idea about affordable healthcare
Posted: 10/24/2009 10:49:04 AM | more on the bizarre idea that the current system is "the worlds best".
Small Business Faces Sharp Rise in Costs of Health Care
NY Times today
By REED ABELSON
Published: October 24, 2009
As Congress nears votes on legislation that would overhaul the health care system, many small businesses say they are facing the steepest rise in insurance premiums they have
Insurance brokers and benefits consultants say their small business clients are seeing premiums go up an average of about 15 percent for the coming year — double the rate of last year’s increases. That would mean an annual premium that was $4,500 per employee in 2008 and $4,800 this year would rise to $5,500 in 2010.
The higher premiums at least partly reflect the inexorable rise of medical costs, which is forcing Medicare to raise premiums, too. Big employers are also seeing higher health insurance bills, but because they have more negotiating clout, their increases are generally not as steep.
Higher medical costs aside, some experts say they think the insurance industry, under pressure from Wall Street, is raising premiums to get ahead of any legislative changes that might reduce their profits.
The increases come at a politically fraught time for the insurers, as they try to fight off the creation of a government-run competitor and as they push their case that they have a central role to play in controlling the nation’s health care costs.
President Obama, in his Saturday radio address, said the Democrats’ health insurance overhaul would help small businesses and stimulate the economy by providing relief from “the crushing costs of health care — costs that have forced too many small businesses to cut benefits, shed jobs, or shut their doors for good.”
The insurance industry has already been under sharp attack by Democratic lawmakers who favor creating a government-run insurance plan that would compete with private insurers. Without that competition, proponents say, insurers will continue to price coverage beyond the reach of many Americans.
The House speaker, Nancy Pelosi of California, said the sharp rise in premiums for small businesses offered the latest evidence that Congress must act swiftly on health care legislation.
“This underlines the urgent need for health insurance reform, including a public option,” she said in an interview. “We need to have competition for the insurance companies to keep premiums down.”
Insurers vehemently oppose a government-run insurance plan. So do most Republicans, who traditionally portray themselves as champions of small business. | |
|
| just an idea about affordable healthcare
Posted: 10/24/2009 11:26:40 AM | Why is the employer responsible for suppling my health insurance...My health care is my business. If my employer goes bankrupt of closes down, why is my health insurance linked to them, or if the only work I can get is with a small company the doesnt offer insurance...
What happens that if companies cant any longer carry health insurance, there is not rule or law that forces them to do so.
What if some catostrophic desease comes about ala swine flu, where if contacted, the person comes down with a Leigonaire's type disease that requires major hospitalization and recovery requires major rehabilitation...Is your company going to keep you or will the Insurance survive? | |
|
wudger
|
Joined: 12/20/2007
Msg: 41 | |
| just an idea about affordable healthcare
Posted: 10/24/2009 11:40:46 AM | welcome to "the greatest healthcare system in the world"...
...unless you get sick for too long or lose your job or your employer goes broke or you let your insurance lapse for even a minute.
the insanity of the current system just blows my mind, but the fact that a sizable portion of population seems to like having it shoved up their bum is even more mind blowing. | |
|
| just an idea about affordable healthcare
Posted: 10/24/2009 11:47:02 AM | .
Why is the employer responsible for suppling my health insurance...My health care is my business.
The Employer makes a buck... The employer is the Carrier... The H/C Insurance company only manages the paperwork....
Self Funded ........... | |
|
wudger
|
Joined: 12/20/2007
Msg: 43 | |
| just an idea about affordable healthcare
Posted: 10/24/2009 12:25:28 PM | | man, try that in reality. a small business with maybe fifteen employees spends an incredible amount of time, money and talent trying to keep their healthcare operations going. the paperwork involved is unbelievable. | |
|
| just an idea about affordable healthcare
Posted: 10/25/2009 8:54:24 AM |
Why is the employer responsible for suppling my health insurance..
Before WWII, there was no employer-provided health insurance. There was not health insurance as we know it, period. There were mutual aid societies, many of the instituted by labor unions, where groups of people would each contribute and try to help each other out when something serious happened to them. Essentially, you were on your own. The rich could pay for doctors, the poor went without, suffered and died, got what little charity might come their way.
After WWII there was a period of inflation and there was a wage freeze. In order to attract employees, companies began offering health insurance as a benefit since they could not offer any wage increases. It became a very popular benefit and became standard in the workforce.
In Europe, by contrast, things evolved differently. Since the fighting took place on their soil, much of Europe was devastated. In an effort to take care of the millions of sick & wounded & deliver health care to people whose infrastructure was often destroyed, health care became organized by the respective governments since it was the most efficient way to get it out to the greatest number of people. In England, the government began a government run health care system when thousands of children were moved from London and other major cities to the countryside in order to protect them from the bombing. There was a sudden influx of children into small rural towns and these children needed to be housed, educated, and taken care of. Government run clinics were created in these previously underserved areas and it was noticed that the health of the existing populations in those areas improved now that they had access to health care. After the war, it was decided to continue this system and the healthcare system came to become government run.
You may remember that after the U.S. ousted Saddam Hussein in Iraq, then President Bush promised, among other things, to create a national health care system in Iraq. Apparently it's okay for Iraqis but would be evil socialism here.
Things evolved differently here than they did in other places. If you understand the respective histories of our systems, they make sense. However, things have changed here. There are many factors in the high cost of health care in the U.S. and a discussion of it deserves *thoughtful* consideration. The question, of course, is where do we go from here? I *still* am waiting for someone to answer my question: those of you who oppose reform, what do you suggest for those of us who do *not* have employer provided health insurance and are faced with being dropped by insurance companies, rejected by them, having treatment for any preexisting conditions excluded from our policies, and paying more than those in group policies for less money? And please, if you answer the question, state whether you yourself have employer provided insurance. | |
|
| just an idea about affordable healthcare
Posted: 11/3/2009 9:46:36 AM | Let me get this straight.
....we're going to pass a health care plan written by a committee whose chairman says he doesn't understand it, passed by a Congress that hasn't read it but exempts themselves from it,to be signed by a president that also hasn't read it and who smokes, with funding administered by a treasury chief who didn't pay his taxes, all to be overseen by a surgeon general who is obese, and financed by a country that's nearly broke. What could possibly go wrong? | |
|
Home
login 
