I wouldnt blame the doctors for the high costs. If you know a doctor, ask them about their reimbursement rates from insurance. The problem isnt the doctors, its the entire system
<< <i>Most premiums will be too high for the middle class. >>
That's because the whole purpose of the program is for the middle class and the healthy younger crowd to pay for their own care/premiums AND for the care/premiums of others. A transfer of wealth in any direction remains a transfer of wealth.
"Interest rates, the price of money, are the most important market. And, perversely, they’re the market that’s most manipulated by the Fed." - Doug Casey
<< <i>Most premiums will be too high for the middle class. >>
That's because the whole purpose of the program is for the middle class and the healthy younger crowd to pay for their own care/premiums AND for the care/premiums of others. A transfer of wealth in any direction remains a transfer of wealth. >>
Like all other taxes!
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Everyone that I am responsible for is financially secure. >>
So, you're a rich person with a rich family who would rather pay out of pocket than pay for health insurance. Neither choice, seemingly, will affect you or your family's finances in a significant way, so what's the difference?
Without health insurance I would have been bankrupt a long time ago, in other words I have received more than what I paid into it. Health insurance is the only game in town so to speak, unless your are independently wealthy or believe you are indestructible.
I don't smoke or use intravenous drugs or have risky sex. I led a healthy lifestyle, didn't overeat, watched my weight, exercised regularly.
I'm not independently wealthy nor do I think that I'm indestructible, but there is no rationale that I should be made to pay for people who do smoke, do use intravenous drugs, do have risky sex, don't lead healthy lifestyles, do overeat, don't watch their weight, and don't exercise.
For some strange reason, I don't think that I should pay for some poor Yale law student's birth control or anyone else who decides to abuse the system by dropping by the local psych unit to doc shop for free narcotics or better yet - to go on disability because they can't cope with the stress of holding a job that's "beneath their calling" in life.
It isn't long before you wonder why there's no doctor available when you're really sick as a dog and nobody can help you because, gosh, the waiting list is 6 months out and you aren't covered anyway.
Q: Are You Printing Money? Bernanke: Not Literally
<< <i> It is unconscionable that the richest country in the world gets terrible service for mega dollars. The current system does not deliver on a cost versus service basis. Just look the the world rankings on health care costs versus health care outcomes. Too many self protected interests at work keeping prices way too high. >>
Maybe the government should get out of it, and let insurance companies compete across state lines for the business. There's no rationale for a government middleman. Premiums have already gone through the roof, but if you're a big government advocate you probably have a subsidy and aren't affected in the same way.
Q: Are You Printing Money? Bernanke: Not Literally
<< <i>Maybe the government should get out of it, and let insurance companies compete across state lines for the business. There's no rationale for a government middleman. Premiums have already gone through the roof, but if you're a big government advocate you probably have a subsidy and aren't affected in the same way. >>
That probably won't work either since the health insurance companies aren't too far from a monopoly already. Their primary goal is to make money, not provide the most cost efficient health care. Their ties to the hospitals and pharmaceutical companies is questionable. I see them as a 3 headed beast using a common recipe while serving the same entity. J6P is basically "what's for dinner." The Twilight Zone episode of "To Serve Man" brings that point home...and that was over 50 years ago.
Appreciate those that are concerned about the financial well being of my kids and grandkids.
Please show the same concern for your loved ones as they will bear the brunt of our reckless spending....much of it for health care.
Our national debt has ballooned from $1T in the early 1980's to what, $17T today? If you do the math, our debt increase pretty closely matches the cost of Medicare/Medicaid over the same period. Essentially we and our parents have bled out the system without paying for it and will leave the bill for the next generation.
NYE I took a nasty fall and busted my eye and head open for a concussion, deep tissue bruises on chest/elbow/tricep and groin, and busted my knees.
UHC coverage last year through my wife would have been a $40 deductable and then 80% coverage on all the ct/mri/xrays (why couldn't I have fell christmas eve instead!!). That coverage was dropped by the state (teacher) completely so we switched to UHC through my company. Supposedly the 'same' coverage under the ACA guidelines. Monthly nut is a little less than it was last year, but now it's no co-pay coverage and out of pocket until the deductable is met, which is 4 grand with this plan.
I went to the doc, gave them our new coverage card, and had to pay cash for all of it. Could have done that w/o this coverage.
Now if we wanted to have a copay and all that bells&whistles jazz the monthly nut would have went up 50%, either through the state plan for teachers or with the primo plan through my company, which would have put the 2 of us at around $600/mo either way. That is overpriced for 2 relatively healthy people (besides my beer belly) who don't really go to the doc.
Basically we're paying cash through the deductable and essentially have just catastrophic coverage. The only freebie is the yearly physical. But hey, gotta support the country and cover the ER bandaid visits for the non covered right....pfft.
<< <i>In san jose this past summer a homeless man who had been severely beaten was kept on life support for a month before he finally died. Who paid for this? >>
The homeless man paid for this for not being @ home. Technically speaking.
""'He said that so far, Obamacare has just shifted people who were insured in the individual market to the public exchanges where they could get a better deal on a subsidy for coverage. "We see only 11 percent of the population is actually people that were firmly uninsured that are now insured. So [it] didn't really eat into the uninsured population."""
Comments
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<< <i>Most premiums will be too high for the middle class. >>
Yep.
I make too much for a subsidy, too little for the cost not to impact me.
<< <i>Most premiums will be too high for the middle class. >>
That's because the whole purpose of the program is for the middle class and the healthy younger crowd to pay for their own care/premiums AND for the care/premiums of others. A transfer of wealth in any direction remains a transfer of wealth.
"Interest rates, the price of money, are the most important market. And, perversely, they’re the market that’s most manipulated by the Fed." - Doug Casey
<< <i>
<< <i>Most premiums will be too high for the middle class. >>
That's because the whole purpose of the program is for the middle class and the healthy younger crowd to pay for their own care/premiums AND for the care/premiums of others. A transfer of wealth in any direction remains a transfer of wealth. >>
Like all other taxes!
<< <i>
Everyone that I am responsible for is financially secure.
>>
So, you're a rich person with a rich family who would rather pay out of pocket than pay for health insurance. Neither choice, seemingly, will affect you or your family's finances in a significant way, so what's the difference?
HOF SIGNED FOOTBALL RCS
Box of 20
I'm not independently wealthy nor do I think that I'm indestructible, but there is no rationale that I should be made to pay for people who do smoke, do use intravenous drugs, do have risky sex, don't lead healthy lifestyles, do overeat, don't watch their weight, and don't exercise.
For some strange reason, I don't think that I should pay for some poor Yale law student's birth control or anyone else who decides to abuse the system by dropping by the local psych unit to doc shop for free narcotics or better yet - to go on disability because they can't cope with the stress of holding a job that's "beneath their calling" in life.
It isn't long before you wonder why there's no doctor available when you're really sick as a dog and nobody can help you because, gosh, the waiting list is 6 months out and you aren't covered anyway.
I knew it would happen.
<< <i> It is unconscionable that the richest country in the world gets terrible service for mega dollars. The current system does not deliver on a cost versus service basis. Just look the the world rankings on health care costs versus health care outcomes. Too many self protected interests at work keeping prices way too high. >>
Bingo.
I knew it would happen.
<< <i>Maybe the government should get out of it, and let insurance companies compete across state lines for the business. There's no rationale for a government middleman. Premiums have already gone through the roof, but if you're a big government advocate you probably have a subsidy and aren't affected in the same way. >>
That probably won't work either since the health insurance companies aren't too far from a monopoly already. Their primary goal is to make money, not provide the most cost efficient health care. Their ties to the hospitals and
pharmaceutical companies is questionable. I see them as a 3 headed beast using a common recipe while serving the same entity. J6P is basically "what's for dinner." The Twilight Zone episode of "To Serve Man" brings that
point home...and that was over 50 years ago.
Please show the same concern for your loved ones as they will bear the brunt of our reckless spending....much of it for health care.
Our national debt has ballooned from $1T in the early 1980's to what, $17T today? If you do the math, our debt increase pretty closely matches the cost of Medicare/Medicaid over the same period. Essentially we and our parents have bled out the system without paying for it and will leave the bill for the next generation.
<< <i>What is 17 trillion in 1980 dollars? >>
I figure $5.7T
Seems that prices have pretty much tripled since then.
NYE I took a nasty fall and busted my eye and head open for a concussion, deep tissue bruises on chest/elbow/tricep and groin, and busted my knees.
UHC coverage last year through my wife would have been a $40 deductable and then 80% coverage on all the ct/mri/xrays (why couldn't I have fell christmas eve instead!!). That coverage was dropped by the state (teacher) completely so we switched to UHC through my company. Supposedly the 'same' coverage under the ACA guidelines. Monthly nut is a little less than it was last year, but now it's no co-pay coverage and out of pocket until the deductable is met, which is 4 grand with this plan.
I went to the doc, gave them our new coverage card, and had to pay cash for all of it. Could have done that w/o this coverage.
Now if we wanted to have a copay and all that bells&whistles jazz the monthly nut would have went up 50%, either through the state plan for teachers or with the primo plan through my company, which would have put the 2 of us at around $600/mo either way. That is overpriced for 2 relatively healthy people (besides my beer belly) who don't really go to the doc.
Basically we're paying cash through the deductable and essentially have just catastrophic coverage. The only freebie is the yearly physical. But hey, gotta support the country and cover the ER bandaid visits for the non covered right....pfft.
<< <i>In san jose this past summer a homeless man who had been severely beaten was kept on life support for a month before he finally died. Who paid for this? >>
The homeless man paid for this for not being @ home. Technically speaking.
Text
""'He said that so far, Obamacare has just shifted people who were insured in the individual market to the public exchanges where they could get a better deal on a subsidy for coverage. "We see only 11 percent of the population is actually people that were firmly uninsured that are now insured. So [it] didn't really eat into the uninsured population."""
Been totaling things up recently. The minimum ACA fine is about $350 for 2015.
Add to that 25% of income taxes funding Medicare/caid for the last few decades plus a third of my state sales taxes funding a portion of Medicaid.
No wonder that we cannot escape economic turbulence.