| Author | Thread |
|
|
09/04/2009 09:39:17 AM · #826 |
Originally posted by ericwoo:
Not that it is a surprise that liberals ignore facts because they're too busy wishing on stars and expecting more handouts. Show me how it could work without taxing me more or just keep your bullshit rhetoric to yourself. |
This is one of the more egregious statements that you keep on making.
I am liberally minded (libertarian in US-speak), but I am not looking for handouts. I am in a pretty good job earning more than most people, but it doesn't blind me to the fact that life deals an uneven hand and that we need to co-operate to iron out some of the bigger inequities in society as a whole.
|
|
|
|
09/04/2009 11:08:51 AM · #827 |
Originally posted by SDW:
I just payed my family insurance today ($277.98) which is family coverage and includes medical, prescription, vision, and dental. All most all of my medications are $5.00 for a months supply and some are $10.00 for a 90-day supply. I have not yet been denied any test or services by my insurance company. |
imposible why would try to sell this? |
|
|
|
09/04/2009 11:32:44 AM · #828 |
Originally posted by SDW:
I just payed my family insurance today ($277.98) which is family coverage and includes medical, prescription, vision, and dental. All most all of my medications are $5.00 for a months supply and some are $10.00 for a 90-day supply. I have not yet been denied any test or services by my insurance company.
|
I hadn't realised all-inclusive health care insurance was that low; I had thought it to be very much more expensive. I see now why so many are against reform.
Me, I live in England, and it isn't my fight, but any one try and take the NHS from us and I would fight it tooth and nail. |
|
|
|
09/04/2009 11:36:15 AM · #829 |
Originally posted by Niten:
Originally posted by SDW:
I just payed my family insurance today ($277.98) which is family coverage and includes medical, prescription, vision, and dental. All most all of my medications are $5.00 for a months supply and some are $10.00 for a 90-day supply. I have not yet been denied any test or services by my insurance company. |
imposible why would try to sell this? |
???? - I don't understand your question.
ETA: As I told you in my previous post that I had an X-ray the same day I told my doctor about my back, then with 2-days I had an MRI now today they just called me. So from Monday to Friday I (less than a week) I have an appointment with a specialist at director of the St. Francis Spine and Neurosurgery Center scheduled for Tuesday. Now that's quick!
Message edited by author 2009-09-04 11:43:51. |
|
|
|
09/04/2009 11:55:33 AM · #830 |
Originally posted by SaraR:
Originally posted by SDW:
I just payed my family insurance today ($277.98) which is family coverage and includes medical, prescription, vision, and dental. All most all of my medications are $5.00 for a months supply and some are $10.00 for a 90-day supply. I have not yet been denied any test or services by my insurance company.
|
I hadn't realised all-inclusive health care insurance was that low; I had thought it to be very much more expensive. I see now why so many are against reform.
Me, I live in England, and it isn't my fight, but any one try and take the NHS from us and I would fight it tooth and nail. |
Please don't get me wrong. I am one of the fortunate ones that have a good insurance company and the rates at this point is affordable. But there are a lot of people that have less effective insurance and the cost is higher. So people for and against reform all have good reasons. I think the main issue is quality vs. cost; is it going to give the individual better care with lower premiums, same care with lower premiums, less care with same premiums, or less care and higher premiums.
The government has not done a good job of laying out specifics about the reform. Will it be a complete overhaul, public option, or co-op. And what is the exact result they want from the reform. The President is to hold a joint congressional speech next week and I hope some questions will be answered and some fears put to rest. |
|
|
|
09/04/2009 02:56:19 PM · #831 |
Originally posted by RayEthier:
Originally posted by ericwoo:
That's all she knows how to do. Its like her every argument is "someone told me what I want to hear, so that's how it is." Just tons and tons of nonsense. |
Compared to those fact filled rebuttals that you proffer right??? GImme a break.
Ray |
Maybe you should take a little time a read back through the thread. There's your break. |
|
|
|
09/04/2009 03:00:15 PM · #832 |
Originally posted by Matthew:
Originally posted by ericwoo:
Not that it is a surprise that liberals ignore facts because they're too busy wishing on stars and expecting more handouts. Show me how it could work without taxing me more or just keep your bullshit rhetoric to yourself. |
This is one of the more egregious statements that you keep on making.
I am liberally minded (libertarian in US-speak), but I am not looking for handouts. I am in a pretty good job earning more than most people, but it doesn't blind me to the fact that life deals an uneven hand and that we need to co-operate to iron out some of the bigger inequities in society as a whole. |
Well, until you get the UK all ironed out, why don't you keep your nose out of the American fight? |
|
|
|
09/04/2009 03:44:41 PM · #833 |
Originally posted by SDW:
I just payed my family insurance today ($277.98) which is family coverage and includes medical, prescription, vision, and dental. All most all of my medications are $5.00 for a months supply and some are $10.00 for a 90-day supply. I have not yet been denied any test or services by my insurance company.
In the last month I have had X-Rays, MRI, C-Pap study, blood drawn 3-times, four doctors visits, and being referred to a orthopedic doctor for my SEL.
Services are quick. When I told my doctor about my back he ordered the X-ray while I was there. The next day I was informed I was to have an MRI in 2-Days because of the findings. |
Your costs are unbelievably low, if they are truly as you state -- I know of no one paying that little for anything like "complete" coverage. Are you getting an employer or other subsidy?
You just better hope some insurance company auditor doesn't find out something (like a case of acne) you left off your original application, or you'll be a prime candidate for recision ... |
|
|
|
09/04/2009 04:08:42 PM · #834 |
Originally posted by merchillio:
Originally posted by LoudDog:
When your life saving surgery is refused by the govt, or you have to wait 6 months, you may rethink that monopoply is a good thing thought. |
But private insurance companies base their entire business plan on refusing surgeries and still collecting preniums... I don't see much of a difference |
Really? |
|
|
|
09/04/2009 04:26:08 PM · #835 |
Originally posted by LoudDog:
Originally posted by merchillio:
Originally posted by LoudDog:
When your life saving surgery is refused by the govt, or you have to wait 6 months, you may rethink that monopoply is a good thing thought. |
But private insurance companies base their entire business plan on refusing surgeries and still collecting preniums... I don't see much of a difference |
Really? |
Really. The basic principle behind insurance is to spread the risk -- have as many people as possible pay into a pool from which benefits are distributed as needed. Clearly, some people will receive more in benefits than they pay in, while others will pay without using as much as the average in services.
Insurance for profit requires eliminating as many of the former class of enrollees as possible, while "cherry-picking" the low-risk people.
Insurance companies have whole departments with the sole purpose of finding ways to avoid paying claims or recinding the coverage of claimants on the basis of technical omissions on an application, such as the recent case of a teacher who'd paid premiums for 30 years, but then when she developed breast cancer, was informed a couple of days before her surgery that her coverage was being cancelled because she'd failed to disclose on her application that she'd once consulted a dermatologist regarding a case of acne.
Why would anyone let some faceless and unaccountable insurance company bureaucrat -- who is legally required to prioritize shareholder profits -- determine whether or not their care is paid for? Governement may be less accountable than we'd like, but when was the last time an insurance CEO held a "town meeting" or was subjected to election by a vote of the people?
Message edited by author 2009-09-04 16:27:19. |
|
|
|
09/04/2009 04:35:49 PM · #836 |
Originally posted by GeneralE:
Insurance companies have whole departments with the sole purpose of finding ways to avoid paying claims or recinding the coverage of claimants on the basis of technical omissions on an application, such as the recent case of a teacher who'd paid premiums for 30 years, but then when she developed breast cancer, was informed a couple of days before her surgery that her coverage was being cancelled because she'd failed to disclose on her application that she'd once consulted a dermatologist regarding a case of acne. |
IMO this is pure theft. How much money do you tink she paid during those 30 years? Had she been putting that money in a bank, she could pay for her surgery
Message edited by author 2009-09-04 16:39:13. |
|
|
|
09/04/2009 04:43:06 PM · #837 |
Originally posted by ericwoo:
"someone told me what I want to hear, so that's how it is." Just tons and tons of nonsense. |
see: FOX News
Message edited by author 2009-09-04 16:43:26. |
|
|
|
09/04/2009 05:01:12 PM · #838 |
Originally posted by SDW:
Originally posted by Niten:
Originally posted by SDW:
I just payed my family insurance today ($277.98) which is family coverage and includes medical, prescription, vision, and dental. All most all of my medications are $5.00 for a months supply and some are $10.00 for a 90-day supply. I have not yet been denied any test or services by my insurance company. |
imposible why would try to sell this? |
???? - I don't understand your question.
ETA: As I told you in my previous post that I had an X-ray the same day I told my doctor about my back, then with 2-days I had an MRI now today they just called me. So from Monday to Friday I (less than a week) I have an appointment with a specialist at director of the St. Francis Spine and Neurosurgery Center scheduled for Tuesday. Now that's quick! |
Are you buying your insurance as a self-employed person on the open market directly? Because I've never seen rates that low, not even for an individual. You must have an employer picking up most of the tab, no? If you are paying for it directly, please tell us the name of your insurance company; I'll give them a call myself! :-)
If you're obtaining your insurance through your employer, the rates are probably actually three or four times higher than the share you're paying and so not destined to last very long. It's very likely only a matter of time, if reform isn't accomplished, before your employer starts passing on the costs to you. |
|
|
|
09/04/2009 05:03:30 PM · #839 |
Originally posted by GeneralE:
Originally posted by LoudDog:
Originally posted by merchillio:
Originally posted by LoudDog:
When your life saving surgery is refused by the govt, or you have to wait 6 months, you may rethink that monopoply is a good thing thought. |
But private insurance companies base their entire business plan on refusing surgeries and still collecting preniums... I don't see much of a difference |
Really? |
Really. The basic principle behind insurance is to spread the risk -- have as many people as possible pay into a pool from which benefits are distributed as needed. Clearly, some people will receive more in benefits than they pay in, while others will pay without using as much as the average in services.
Insurance for profit requires eliminating as many of the former class of enrollees as possible, while "cherry-picking" the low-risk people.
Insurance companies have whole departments with the sole purpose of finding ways to avoid paying claims or recinding the coverage of claimants on the basis of technical omissions on an application, such as the recent case of a teacher who'd paid premiums for 30 years, but then when she developed breast cancer, was informed a couple of days before her surgery that her coverage was being cancelled because she'd failed to disclose on her application that she'd once consulted a dermatologist regarding a case of acne.
Why would anyone let some faceless and unaccountable insurance company bureaucrat -- who is legally required to prioritize shareholder profits -- determine whether or not their care is paid for? Governement may be less accountable than we'd like, but when was the last time an insurance CEO held a "town meeting" or was subjected to election by a vote of the people? |
So I'll repeat. Really! They base their entire business plan on refusing surgeries? That's not just more extravagantly exagerated ass typing? I'm sure there is nothing in their business plan about getting new customers, keeping customers happy so they don't leave, preventative care so their customers don't cost them an arm and a leg. My insurance company gives me a $50 gift card every year if I take a survey and listen to how I can be more healthy. I'm sure that is just a coy way of finding a way to refuse a surgery for me though?
And if govt were to take control mindless (but not faceless because they are on the news all the time) politicans will decide when and where and if you get care. The drug company gives them a bigger campaign contribution so you get pain meds rather then surgery and anti depressants rather then therapy. New technology is held at bay because the owners of the old technology give bigger contributions too. But hey, they cut the prices they pay the doctors because they can do that, so now the best and brightest go into cosmetic surgery because there is far more money in it. Best of all, when you don't like it, you can't go to another option, it's the only option. |
|
|
|
09/04/2009 05:04:18 PM · #840 |
Originally posted by GeneralE:
Originally posted by SDW:
I just payed my family insurance today ($277.98) which is family coverage and includes medical, prescription, vision, and dental. All most all of my medications are $5.00 for a months supply and some are $10.00 for a 90-day supply. I have not yet been denied any test or services by my insurance company.
In the last month I have had X-Rays, MRI, C-Pap study, blood drawn 3-times, four doctors visits, and being referred to a orthopedic doctor for my SEL.
Services are quick. When I told my doctor about my back he ordered the X-ray while I was there. The next day I was informed I was to have an MRI in 2-Days because of the findings. |
Your costs are unbelievably low, if they are truly as you state -- I know of no one paying that little for anything like "complete" coverage. Are you getting an employer or other subsidy?
You just better hope some insurance company auditor doesn't find out something (like a case of acne) you left off your original application, or you'll be a prime candidate for recision ... |
GE, yes that is a reduced rate. Regular price is $772 for a family of four. I would have no reason to lie. But even at that rate $772 / 4 = $193 per individual is not bad at all for comprehensive coverage that includes prescriptions, vision, and dental. Doctors visits are $15/$25 and it pay 80 percent. |
|
|
|
09/04/2009 05:05:21 PM · #841 |
Originally posted by ericwoo:
Now you are talking about socialized health care. |
and please stop with that wrongful use of the word socialized...
Socialism is the government control over the means of production..... not services like health care, schools, fire, police, etc
Message edited by author 2009-09-04 17:05:41. |
|
|
|
09/04/2009 05:07:28 PM · #842 |
Originally posted by Judith Polakoff:
Originally posted by SDW:
Originally posted by Niten:
Originally posted by SDW:
I just payed my family insurance today ($277.98) which is family coverage and includes medical, prescription, vision, and dental. All most all of my medications are $5.00 for a months supply and some are $10.00 for a 90-day supply. I have not yet been denied any test or services by my insurance company. |
imposible why would try to sell this? |
???? - I don't understand your question.
ETA: As I told you in my previous post that I had an X-ray the same day I told my doctor about my back, then with 2-days I had an MRI now today they just called me. So from Monday to Friday I (less than a week) I have an appointment with a specialist at director of the St. Francis Spine and Neurosurgery Center scheduled for Tuesday. Now that's quick! |
Are you buying your insurance as a self-employed person on the open market directly? Because I've never seen rates that low, not even for an individual. You must have an employer picking up most of the tab, no? If you are paying for it directly, please tell us the name of your insurance company; I'll give them a call myself! :-)
If you're obtaining your insurance through your employer, the rates are probably actually three or four times higher than the share you're paying and so not destined to last very long. It's very likely only a matter of time, if reform isn't accomplished, before your employer starts passing on the costs to you. |
My mother in law is 65, has diabetes and pays $225/month. it's not full coverage but it covers 100% after a large deductable. She takes the money she saves and holds it in an account to cover the deductable in case she needs it. |
|
|
|
09/04/2009 05:11:55 PM · #843 |
Originally posted by LoudDog:
Originally posted by Judith Polakoff:
Originally posted by SDW:
Originally posted by Niten:
Originally posted by SDW:
I just payed my family insurance today ($277.98) which is family coverage and includes medical, prescription, vision, and dental. All most all of my medications are $5.00 for a months supply and some are $10.00 for a 90-day supply. I have not yet been denied any test or services by my insurance company. |
imposible why would try to sell this? |
???? - I don't understand your question.
ETA: As I told you in my previous post that I had an X-ray the same day I told my doctor about my back, then with 2-days I had an MRI now today they just called me. So from Monday to Friday I (less than a week) I have an appointment with a specialist at director of the St. Francis Spine and Neurosurgery Center scheduled for Tuesday. Now that's quick! |
Are you buying your insurance as a self-employed person on the open market directly? Because I've never seen rates that low, not even for an individual. You must have an employer picking up most of the tab, no? If you are paying for it directly, please tell us the name of your insurance company; I'll give them a call myself! :-)
If you're obtaining your insurance through your employer, the rates are probably actually three or four times higher than the share you're paying and so not destined to last very long. It's very likely only a matter of time, if reform isn't accomplished, before your employer starts passing on the costs to you. |
My mother in law is 65, has diabetes and pays $225/month. it's not full coverage but it covers 100% after a large deductable. She takes the money she saves and holds it in an account to cover the deductable in case she needs it. |
Is that a supplemental insurance policy? I assume she's on Medicare if she's 65. |
|
|
|
09/04/2009 05:20:46 PM · #844 |
Originally posted by Judith Polakoff:
It's very likely only a matter of time, if reform isn't accomplished, before your employer starts passing on the costs to you. |
Aaaaahhhhhhhhhhhh!!!!!! The sky is falling!!!!! The sky is falling!!!!! The sky is falling!!!!! |
|
|
|
09/04/2009 05:37:20 PM · #845 |
Originally posted by Judith Polakoff:
Originally posted by LoudDog:
Originally posted by Judith Polakoff:
Originally posted by SDW:
Originally posted by Niten:
Originally posted by SDW:
I just payed my family insurance today ($277.98) which is family coverage and includes medical, prescription, vision, and dental. All most all of my medications are $5.00 for a months supply and some are $10.00 for a 90-day supply. I have not yet been denied any test or services by my insurance company. |
imposible why would try to sell this? |
???? - I don't understand your question.
ETA: As I told you in my previous post that I had an X-ray the same day I told my doctor about my back, then with 2-days I had an MRI now today they just called me. So from Monday to Friday I (less than a week) I have an appointment with a specialist at director of the St. Francis Spine and Neurosurgery Center scheduled for Tuesday. Now that's quick! |
Are you buying your insurance as a self-employed person on the open market directly? Because I've never seen rates that low, not even for an individual. You must have an employer picking up most of the tab, no? If you are paying for it directly, please tell us the name of your insurance company; I'll give them a call myself! :-)
If you're obtaining your insurance through your employer, the rates are probably actually three or four times higher than the share you're paying and so not destined to last very long. It's very likely only a matter of time, if reform isn't accomplished, before your employer starts passing on the costs to you. |
My mother in law is 65, has diabetes and pays $225/month. it's not full coverage but it covers 100% after a large deductable. She takes the money she saves and holds it in an account to cover the deductable in case she needs it. |
Is that a supplemental insurance policy? I assume she's on Medicare if she's 65. |
Correction: 65 was a guess, but I know she's not on medicade/medicare yet, so she is less then 65. It's a catastrophic plan with a high deductable. it covers nothing until she hits the deductable, but then it pays 100% She is self employed. |
|
|
|
09/04/2009 06:10:53 PM · #846 |
Originally posted by SDW:
Originally posted by GeneralE:
Originally posted by SDW:
I just payed my family insurance today ($277.98) which is family coverage and includes medical, prescription, vision, and dental. All most all of my medications are $5.00 for a months supply and some are $10.00 for a 90-day supply. I have not yet been denied any test or services by my insurance company.
In the last month I have had X-Rays, MRI, C-Pap study, blood drawn 3-times, four doctors visits, and being referred to a orthopedic doctor for my SEL.
Services are quick. When I told my doctor about my back he ordered the X-ray while I was there. The next day I was informed I was to have an MRI in 2-Days because of the findings. |
Your costs are unbelievably low, if they are truly as you state -- I know of no one paying that little for anything like "complete" coverage. Are you getting an employer or other subsidy?
You just better hope some insurance company auditor doesn't find out something (like a case of acne) you left off your original application, or you'll be a prime candidate for recision ... |
GE, yes that is a reduced rate. Regular price is $772 for a family of four. I would have no reason to lie. But even at that rate $772 / 4 = $193 per individual is not bad at all for comprehensive coverage that includes prescriptions, vision, and dental. Doctors visits are $15/$25 and it pay 80 percent. |
Why would you lie? You said the policy was 270 but its really 772. Why mislead people? I still don't believe it. |
|
|
|
09/04/2009 06:34:47 PM · #847 |
Originally posted by Niten:
Why would you lie? You said the policy was 270 but its really 772. Why mislead people? I still don't believe it. |
I really don't care what you believe. And apparently you don't participate in this community enough to know the type of person I am. If you don't believe me, so be it. I was not misleading anyone or intentionally misleading anyone.
BTW: I said 277.98 not 270. And I should know; it came out of my checkbook not yours.
|
|
|
|
09/04/2009 07:32:22 PM · #848 |
Originally posted by SDW:
Originally posted by Niten:
Why would you lie? You said the policy was 270 but its really 772. Why mislead people? I still don't believe it. |
I really don't care what you believe. And apparently you don't participate in this community enough to know the type of person I am. If you don't believe me, so be it. I was not misleading anyone or intentionally misleading anyone.
BTW: I said 277.98 not 270. And I should know; it came out of my checkbook not yours. |
That is a good rate Scott! And it sounds like excellent coverage. Any idea why you are able to get the reduced rate? 277 vs 772?
And Niten--- Scott is one of the most stand up guys on this site. If he says it's 277, then it is. |
|
|
|
09/04/2009 08:46:38 PM · #849 |
Originally posted by mpeters:
Originally posted by SDW:
Originally posted by Niten:
Why would you lie? You said the policy was 270 but its really 772. Why mislead people? I still don't believe it. |
I really don't care what you believe. And apparently you don't participate in this community enough to know the type of person I am. If you don't believe me, so be it. I was not misleading anyone or intentionally misleading anyone.
BTW: I said 277.98 not 270. And I should know; it came out of my checkbook not yours. |
That is a good rate Scott! And it sounds like excellent coverage. Any idea why you are able to get the reduced rate? 277 vs 772?
And Niten--- Scott is one of the most stand up guys on this site. If he says it's 277, then it is. |
Yes I can tell you it was because of the stimulus package that was passed after Obama took office. My wife lost her job and we were able to keep her plan for 18 months at 35%.
Even though I didn't vote for Obama and I do have issues with congress (both sides), good things can be done if we all try to work together.
ETA: Thank you for the complement. I just try to be myself.
Message edited by author 2009-09-04 20:48:19. |
|
|
|
09/04/2009 10:08:13 PM · #850 |
Originally posted by ericwoo:
Originally posted by RayEthier:
Originally posted by ericwoo:
That's all she knows how to do. Its like her every argument is "someone told me what I want to hear, so that's how it is." Just tons and tons of nonsense. |
Compared to those fact filled rebuttals that you proffer right??? GImme a break.
Ray |
Maybe you should take a little time a read back through the thread. There's your break. |
Trust me I have, and other than unsubstantiated drivel and anecdotal arguments, there truly isn't much to your arguments.
Ray |
|
