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governator
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 Posted: Wed Oct 26, 2016 12:49 pm Post subject: |
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| ContagiousInspiration wrote: | You basically have to hire Insurance Broker just to find the right plan... how (bleep) up is that
Where is Robin Hood when we need him
Question..
Which area of health care costs are the most overinflated |
All of it. Let's put it this way, doctors/providers as a whole gets 8% of health care $ expenditure |
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governator
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| Posted: Wed Oct 26, 2016 12:51 pm Post subject: |
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| venturalakersfan wrote: | | governator wrote: | | venturalakersfan wrote: | | $40 because it is a specialist. The bill I get says $52. I got twice a year, so if it would save $100 a month off of my insurance payment it would be well worth paying even if it was $160. |
Most primary care physician self-pay visit is $100-125
Specialist physician self-pay visit is $200+ |
Still cheaper if it will drop my premium. |
You might just need the catastrophic type plan if you only see your doc once or twice a year but if you get sick, the bills do add up |
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jodeke
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| Posted: Wed Oct 26, 2016 12:51 pm Post subject: |
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To all getting on me about my age, it has it's privileges. I pay $0 co-pay for doctors visits. $1.25 for generic drugs, $3.50 for brand names. I'm a Kaiser member.
Fortunately my only ailment is COPD from smoking. Quit 22 years ago. Heart pumping like a oil well in Zaire, all organs on go.
If you're a smoker, quit. If you don't smoke, don't start.
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Aussiesuede
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| Posted: Wed Oct 26, 2016 1:00 pm Post subject: |
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| ContagiousInspiration wrote: | You basically have to hire Insurance Broker just to find the right plan... how (bleep) up is that
Where is Robin Hood when we need him
Question..
Which area of health care costs are the most overinflated |
You never want to find yourself paying for a cardiologist. 
The Healthcare Bluebook breaks down the cost for every type of Doctors visit & procedure by zip code.
Healthcare BlueBook
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K2
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| Posted: Wed Oct 26, 2016 1:15 pm Post subject: |
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Looks like my premiums haven't really changed that much, up about $14 extra this year for lowest plan. Never took the Obamacare credits and just paid straight up, which will soon be running at about $300/mo.
Would've just continued without any health insurance had Obama not put in the tax penalty for the non-insured. Overall, not bad at all to change things up a bit, so that some who kept putting it off in the past (like me) got some coverage. |
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audioaxes
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| Posted: Wed Oct 26, 2016 1:25 pm Post subject: |
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I recently quit trying to fight the system and joined it as a "public servant" Super low premium Kaiser plan with $30 copay and most stuff 100% covered.
Too bad I didnt join a few months earlier or I would of saved a good 2K on my son's child birth bills. |
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dont_be_a_wuss
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| Posted: Wed Oct 26, 2016 3:25 pm Post subject: |
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| governator wrote: | | DuncanIdaho wrote: | | The current system is not sustainable. Premium increases of more than 100% in some cases for 27 year-olds (Arizona) shows what's really happening. |
That's the 'optic' only lens that I was talking about above, the problems is multiprong that leads to increase premium.
So what's to do? repealing Obamacare would go back to the previous models which has the same insurance profit margin and the 'new' people covered under Obamacare/pre-existing conditions restrictions would be covered under emergency room coverage like in past. How does this reduce cost? |
Go back to old system for private insurers. Allow insurers to charge based on their best judgement of probability of money needed. Keep the expansion of medicaid, and even increase the income cut off for medicaid. Add a new provision for those with pre-existing conditions and other reasons for being unable to get an affordable plan. If they can't get a plan within a certain range (possibly based on income) they can buy into a public option where they get medicare, some of the best insurance in the world, in exchange for a reasonable tax that is less than what their fairly priced plan would be. Add another tax to top earners to help subsidize the system. Boom, done. |
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dont_be_a_wuss
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| Posted: Wed Oct 26, 2016 3:26 pm Post subject: |
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| K2 wrote: | Looks like my premiums haven't really changed that much, up about $14 extra this year for lowest plan. Never took the Obamacare credits and just paid straight up, which will soon be running at about $300/mo.
Would've just continued without any health insurance had Obama not put in the tax penalty for the non-insured. Overall, not bad at all to change things up a bit, so that some who kept putting it off in the past (like me) got some coverage. |
Thats a nice rate, are you on an under 30 yo catastrophic plan? |
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Omar Little
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| Posted: Wed Oct 26, 2016 3:32 pm Post subject: |
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| venturalakersfan wrote: | | $40 because it is a specialist. The bill I get says $52. I got twice a year, so if it would save $100 a month off of my insurance payment it would be well worth paying even if it was $160. |
Yeah, something isn't adding up. There isn't a specialist alive actually charging 52 for an office visit. And it wouldn't add up to the savings you are thinking either. Part of the problem of discussing Obamacare (or the whole thing really) is partisan, but part of it is people create, hear, or misremember the facts of it very poorly.
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dont_be_a_wuss
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| Posted: Wed Oct 26, 2016 3:52 pm Post subject: |
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| governator wrote: | | venturalakersfan wrote: | | governator wrote: | | venturalakersfan wrote: | | $40 because it is a specialist. The bill I get says $52. I got twice a year, so if it would save $100 a month off of my insurance payment it would be well worth paying even if it was $160. |
Most primary care physician self-pay visit is $100-125
Specialist physician self-pay visit is $200+ |
Still cheaper if it will drop my premium. |
You might just need the catastrophic type plan if you only see your doc once or twice a year but if you get sick, the bills do add up |
I think Ventura is a bit too old for one of those. |
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LakersRGolden
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| Posted: Wed Oct 26, 2016 4:10 pm Post subject: |
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| When Obamacare passed, they started taxing my company for providing a "Cadillac" plan. My deductible went up $2000 a year and they dropped any spouse that works. |
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governator
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| Posted: Wed Oct 26, 2016 4:40 pm Post subject: |
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| dont_be_a_wuss wrote: | | governator wrote: | | DuncanIdaho wrote: | | The current system is not sustainable. Premium increases of more than 100% in some cases for 27 year-olds (Arizona) shows what's really happening. |
That's the 'optic' only lens that I was talking about above, the problems is multiprong that leads to increase premium.
So what's to do? repealing Obamacare would go back to the previous models which has the same insurance profit margin and the 'new' people covered under Obamacare/pre-existing conditions restrictions would be covered under emergency room coverage like in past. How does this reduce cost? |
Go back to old system for private insurers. Allow insurers to charge based on their best judgement of probability of money needed. Keep the expansion of medicaid, and even increase the income cut off for medicaid. Add a new provision for those with pre-existing conditions and other reasons for being unable to get an affordable plan. If they can't get a plan within a certain range (possibly based on income) they can buy into a public option where they get medicare, some of the best insurance in the world, in exchange for a reasonable tax that is less than what their fairly priced plan would be. Add another tax to top earners to help subsidize the system. Boom, done. |
Sounds pretty similar to Obamacare minus the penalty and add top earner tax (what's the cut off? Dems $250g or a cool $1mil?) |
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jodeke
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| Posted: Wed Oct 26, 2016 5:39 pm Post subject: |
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Also $0 dollars for major operations and extended hospital stays.
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unleasHell
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| Posted: Wed Oct 26, 2016 6:39 pm Post subject: |
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This is all about the Democrats taking care of their own, overcharging the Republicans who make more money and then FORCING everyone to have insurance so that the government can FINE you when you don't want or need it!
And it ain't gonna be fixed anytime soon, Hillary has already said she wants to "continue Obama's good work"!
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Omar Little
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| Posted: Wed Oct 26, 2016 7:26 pm Post subject: |
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| unleasHell wrote: | This is all about the Democrats taking care of their own, overcharging the Republicans who make more money and then FORCING everyone to have insurance so that the government can FINE you when you don't want or need it!
And it ain't gonna be fixed anytime soon, Hillary has already said she wants to "continue Obama's good work"! |
Everyone needs health insurance.
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jodeke
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| Posted: Wed Oct 26, 2016 7:55 pm Post subject: |
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| unleasHell wrote: | This is all about the Democrats taking care of their own, overcharging the Republicans who make more money and then FORCING everyone to have insurance so that the government can FINE you when you don't want or need it!
And it ain't gonna be fixed anytime soon, Hillary has already said she wants to "continue Obama's good work"! |
That's not entirely true. She said she wants to fix it.
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K2
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| Posted: Wed Oct 26, 2016 7:58 pm Post subject: |
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| dont_be_a_wuss wrote: | | K2 wrote: | Looks like my premiums haven't really changed that much, up about $14 extra this year for lowest plan. Never took the Obamacare credits and just paid straight up, which will soon be running at about $300/mo.
Would've just continued without any health insurance had Obama not put in the tax penalty for the non-insured. Overall, not bad at all to change things up a bit, so that some who kept putting it off in the past (like me) got some coverage. |
Thats a nice rate, are you on an under 30 yo catastrophic plan? |
Went through Covered California to shop for plans last year. Over 30, on the Kaiser Bronze @ $286/mo this past year. Website shows $300 for the same plan this upcoming enrollment period (11/1). Primary care $75/co-pay for first 3 visits.
Looked into catastrophic plans last year, but there wasn't a lot of savings from the Bronze plan. |
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DuncanIdaho
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| Posted: Wed Oct 26, 2016 8:11 pm Post subject: |
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| K2 wrote: | | dont_be_a_wuss wrote: | | K2 wrote: | Looks like my premiums haven't really changed that much, up about $14 extra this year for lowest plan. Never took the Obamacare credits and just paid straight up, which will soon be running at about $300/mo.
Would've just continued without any health insurance had Obama not put in the tax penalty for the non-insured. Overall, not bad at all to change things up a bit, so that some who kept putting it off in the past (like me) got some coverage. |
Thats a nice rate, are you on an under 30 yo catastrophic plan? |
Went through Covered California to shop for plans last year. Over 30, on the Kaiser Bronze @ $286/mo this past year. Website shows $300 for the same plan this upcoming enrollment period (11/1). Primary care $75/co-pay for first 3 visits.
Looked into catastrophic plans last year, but there wasn't a lot of savings from the Bronze plan. |
Catastrophic plans don't meet the qualifications for avoiding the IRS tax anyway. |
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governator
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| Posted: Wed Oct 26, 2016 8:14 pm Post subject: |
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| Omar Little wrote: | | unleasHell wrote: | This is all about the Democrats taking care of their own, overcharging the Republicans who make more money and then FORCING everyone to have insurance so that the government can FINE you when you don't want or need it!
And it ain't gonna be fixed anytime soon, Hillary has already said she wants to "continue Obama's good work"! |
Everyone needs health insurance. |
Ignoring the partisan BS, it starts with Right vs privilege
Last edited by governator on Wed Oct 26, 2016 8:21 pm; edited 1 time in total |
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jodeke
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| Posted: Wed Oct 26, 2016 8:19 pm Post subject: |
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Deleted wrong thread
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Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
America will never be destroyed from the outside. If we falter and lose our freedoms, it will be because we destroyed ourselves. |
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splashmtn
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| Posted: Wed Oct 26, 2016 10:02 pm Post subject: |
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| K2 wrote: | Looks like my premiums haven't really changed that much, up about $14 extra this year for lowest plan. Never took the Obamacare credits and just paid straight up, which will soon be running at about $300/mo.
Would've just continued without any health insurance had Obama not put in the tax penalty for the non-insured. Overall, not bad at all to change things up a bit, so that some who kept putting it off in the past (like me) got some coverage. |
obamacare/ aca. whatever you want to call it. Needs healthy individuals like yourself. I assume you were healthy since you kept putting it off and you're still kicking. lol.
It's like any other insurance. You need a lot more of the people that pay for the just in case but rarely use it to cover those that actually need it. Thats the way it works in all insurance situations. not just health.
If you ask me I say lets cut the crap and go universal already. I'm down to pay the crazy hiked tax. Just cover everyone and call it a day. Whatever you are paying per month now would go down by a ton if we all had to pitch in for universal healthcare for all. |
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Roon
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| Posted: Wed Oct 26, 2016 10:37 pm Post subject: |
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America is the only industrialized country with a for-profit health insurance system.
The number one cause of bankruptcy in America is medical bills.
I work for a small business. They do a good job of paying for our healthcare, but an universal system would lower their costs, and our costs as employees and citizens.
We don't need to, but even if we do, raise the taxes on my average American income ass. No American should ever worry about dying or starving because they can't afford healthcare. What kind of crappy country is that? |
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999
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| Posted: Thu Oct 27, 2016 6:20 am Post subject: |
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| I feel like insurance companies are making it difficult for obamacare to work. Not the other way around. |
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jodeke
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| Posted: Thu Oct 27, 2016 10:51 am Post subject: |
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| 999 wrote: | | I feel like insurance companies are making it difficult for obamacare to work. Not the other way around. |
IA though it does have it's kinks.
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America will never be destroyed from the outside. If we falter and lose our freedoms, it will be because we destroyed ourselves. |
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dont_be_a_wuss
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| Posted: Thu Oct 27, 2016 11:37 am Post subject: |
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| Roon wrote: | America is the only industrialized country with a for-profit health insurance system.
The number one cause of bankruptcy in America is medical bills.
I work for a small business. They do a good job of paying for our healthcare, but an universal system would lower their costs, and our costs as employees and citizens.
We don't need to, but even if we do, raise the taxes on my average American income ass. No American should ever worry about dying or starving because they can't afford healthcare. What kind of crappy country is that? |
And because of the inefficiency of our system, the government spending per capita in the US for health care is higher than many countries with single payer. WE are already paying for single payer we just aren't getting it.
Here is a documentary that was recently being promoted by PNHP
http://fixithealthcare.com/watch-the-movie/ |
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