Health insurance... wt..

[IronWing]

I'm poor and 32 years old. I haven't gone to a hospital or doctor for myself in more than 12 years. I think the last time was when I went to a free clinic for an antibiotic sample when I was 20 or 22.

$85/mo for something I'm not going to use is highway robbery. That's WITH the "tax credits" applied.

I refuse to take part in the healthcare industry. It's for rich people.

Next time, vote for a liberal.

 

[brianmanahan]

$85/mo for something I'm not going to use is highway robbery. That's WITH the "tax credits" applied.

I refuse to take part in the healthcare industry. It's for rich people.

thats what a buddy of mine said. 30 year old guy in good health. so he didn't buy insurance.

then all of a sudden he got a problem w/ his stomach, and 1 month later he was healed and owed 60$k.

i guess he could have died instead of going to the hospital...

if thats what you want to do in a situation like that, more power to you, but i doubt you will go through with it.

 

[TurtleCrusher]

Why don't you get a real job that pays it for you? My employer contributes $7.60 per hour of work towards my healthcare. In addition, Tri-Care reserve is $54 a month for me for double coverage, so really I haven't had to drop a single dime on healthcare in over a year now.

 

[lightpants]

Why don't you get a real job that pays it for you? My employer contributes $7.60 per hour of work towards my healthcare. In addition, Tri-Care reserve is $54 a month for me for double coverage, so really I haven't had to drop a single dime on healthcare in over a year now.

"Tri-Care reserve is $54 a month for me" - Who pays this bill? If it is you, then you are paying $648 a year.

 

[brainhulk]

I'm poor and 32 years old. I haven't gone to a hospital or doctor for myself in more than 12 years. I think the last time was when I went to a free clinic for an antibiotic sample when I was 20 or 22.

$85/mo for something I'm not going to use is highway robbery. That's WITH the "tax credits" applied.

I refuse to take part in the healthcare industry. It's for rich people.

Young people who don't utilize health care are needed to pay into the insurance system to support the oldsmoboat geri's on 20 different meds. It will collapse otherwise.

That said you never know when your appendix might rupture, when you get into a MVA, gall stones, kidney stones, or a std from the hoodrat on the corner..

 

[Insomniator]

$85 is almost the penalty I pay for not having it. 200 was the cheapest option for me.

And yeah you don't use it... so what... thats the whole point of insurance. If EVERYONE used it then it would cost a lot more.

 

[biostud]

I'm poor and 32 years old. I haven't gone to a hospital or doctor for myself in more than 12 years. I think the last time was when I went to a free clinic for an antibiotic sample when I was 20 or 22.

$85/mo for something I'm not going to use is highway robbery. That's WITH the "tax credits" applied.

I refuse to take part in the healthcare industry. It's for rich people.

You're just pre-paying for when you get old and need to get extremely expensive procedures. At that time you'll be glad that you don't have to choose between bankruptcy or your health.

 

[Whisper]

You're just pre-paying for when you get old and need to get extremely expensive procedures. At that time you'll be glad that you don't have to choose between bankruptcy or your health.

This. Also, part of the problem with a lack of healthcare is the reduced utilization of preventive care (e.g., annual physicals). As a result, there are a lot more emergent/catastrophic visits than might otherwise be the case. And you also have folks using the ER as a walk-in primary care clinic because they don't see/know of any other options, which just isn't good for anyone.

 

[KidNiki1]

WTF, i wish i could get only 85 a month!!

cheapest for me ( and not the rest of my family, just me) was 250 a month.

 

[Strk]

One car accident and you'll be happy you have it.

 

[mnewsham]

$85 a month? Thankfully I am still covered by my mom until I am 25, but even I would think $85 is a cheap price to pay for health insurance. And if you haven't been to a doctors or hospital in 12 years, you're an idiot and probably should be going in more often for check ups and general health maintenance.

How do you know nothing is wrong if you dont get a yearly physical? Or is your philosophy that if you can still walk and talk on your own you're all fine?


I had some dental work the other day too, ~$700 without insurance. I only had to pay ~$200. That's 5 months of your premium right there. (though not sure if yours includes dental 😉 )

 

[CPA]

wake up tomorrow w/ horrible disease, you will be glad you have that max OOP

$85 is nothing compared to what my employer pays for my insurance

and how often does that happen to young, healthy people?

 

[mnewsham]

and how often does that happen to young, healthy people?

Everyone is seemingly young and healthy until they aren't, at what age would you suggest they start paying for insurance? When they start getting sick? The system would collapse.

 

[phucheneh]

You're just pre-paying for when you get old and need to get extremely expensive procedures. At that time you'll be glad that you don't have to choose between bankruptcy or your health.

By the time we get old, healtcare won't exist. Nor will social security or all the other bullshit we're forced to pay for. Not when the 'freedom-lovers' finally get their corporate totalitarian regime in place.

 

[Scarpozzi]

I'm poor and 32 years old. I haven't gone to a hospital or doctor for myself in more than 12 years. I think the last time was when I went to a free clinic for an antibiotic sample when I was 20 or 22.

$85/mo for something I'm not going to use is highway robbery. That's WITH the "tax credits" applied.

I refuse to take part in the healthcare industry. It's for rich people.

Despite the people getting rich off the industry, (filled with scam artists in insurance companies and hospital administrators eating money out of our pockets and taking from the actual providers), when you need a doctor....be glad you have them available.

It sucks that they charge so much for such basic services and for just a few minutes of their time. Walk-in clinic charges are often more reasonable than anything else...but the way those places code and bill is like so:

You go in for a visit....you complain of problem X. They ask you questions about Y and Z and mark down that they determined you don't have Y and Z as a problem....then they bill insurance for asking those questions. A 15 minute physical, for instance can be coded at predetermined billing levels to charge 3 or 4 different rates depending on how in-depth the visit was. Some providers bill the top tier more often then others because many doctors care about money and pass the buck to the insurance companies since they restrict what can be billed. It's a screwed up system, but considering docs pay $100-200k to med school, I don't blame them for trying to recover a lot of that and get compensated for the long hours they often work if on rotation in hospitals.

Be glad you have insurance to cushion the blow if you need them.

 

[manimal]

People should be able to opt out and get a cash payment from the government for the subsidy. We would separate all the idots and genetically challenged. The wise and smart will of course get coverage. The idots dont and if and when they get sick we get to watch them on TV as they die slowly from a curable condition or bleed out on the side of the road. One month of this and we will have 100 percent coverage.

 

[Fritzo]

Jesus fuck Christ it's expensive. 85/mo for the cheapest shit through the obamacare bullshit.

It's a completely wasted cost. I don't go to hospitals or doctors, and I never will. Fucking fascist in the white house. 😡

I'm hopping mad. Fuck that shit, I aint buying it.

$85 for any kind of insurance is not bad. I bet that's less than your car insurance and it probably covers more.

 

[manimal]

$85 for any kind of insurance is not bad. I bet that's less than your car insurance and it probably covers more.

10 bucks his phone bill is more. 20 bucks his BBW and BBC site subscriptions cost more as well.

 

[NikolaeVarius]

and how often does that happen to young, healthy people?

It only takes one.

I have been healthy my entire life. Never had to go to the hospital for anything major.

One year, when I was 19, out of the blue I got a terrible infection in my leg, almost lost it.

Thousands of dollars in medical fees, but I only ended up paying about 700 dollars after insurance.

People are dumb when they think "I'm young so I don't need insurance" The entire POINT is that its a "just in case" measure so a single illness doesn't wipe you out.

 

[Fritzo]

It only takes one.

I have been healthy my entire life. Never had to go to the hospital for anything major.

One year, when I was 19, out of the blue I got a terrible infection in my leg, almost lost it.

Thousands of dollars in medical fees, but I only ended up paying about 700 dollars after insurance.

People are dumb when they think "I'm young so I don't need insurance" The entire POINT is that its a "just in case" measure so a single illness doesn't wipe you out.

Not only that, but that insurance usually covers a free checkup every year, as well as some other preventative health care. You have to be sure to use all the benefits.

 

[MarkXIX]

Federal employee here. I pay $410/mo for medical and dental for my family. We aren't permitted to consider ACA coverage since we are covered under a federal plan.

 

[SunnyD]

Thanks to Obamacare my employer provided health insurance premiums now costs more, cover less, have higher deductibles AND now carry higher out-of-pocket maximums. Thanks Obama!

 

[highland145]

Thanks to Obamacare my employer provided health insurance premiums now costs more, cover less, have higher deductibles AND now carry higher out-of-pocket maximums. Thanks Obama!

But you can afford them so what's the problem? Doing your good deed for the poor and indigent.



Sorry if I pegged your meter with that drivel.

 

[mnewsham]

Thanks to Obamacare my employer provided health insurance premiums now costs more, cover less, have higher deductibles AND now carry higher out-of-pocket maximums. Thanks Obama!

Lets compare your old to your new coverage, if you are actually getting less coverage for more money I will send you $20.

Obamacare has a lot more mandatory coverage that I doubt your old insurance had, just because you aren't USING it, doesn't mean you are getting less coverage.

 

[SunnyD]

Lets compare your old to your new coverage, if you are actually getting less coverage for more money I will send you $20.

Obamacare has a lot more mandatory coverage that I doubt your old insurance had, just because you aren't USING it, doesn't mean you are getting less coverage.

I'm not sure I follow. Yes, preexisting condition bullshit, blah blah blah... however that is moot since I've been covered forever so I don't really have any "preexisting conditions".

However all of my prescription copays went up.
My ER copays went up.
Inpatient costs went up.
Outpatient costs went up.
Deductibles went up.
Out of pocket maximums went up.

And as I said, my per-paycheck premium went up.

Those were the highlights of what I know changed for this year to conform to the ACA mandated changes. Not much else in our company benefits changed. Nothing that I'm aware of got "better". (I'd have to dig through my paperwork at home, if I even still have last year's benefits summary to make an accurate comparison)