Link me Affordable healthcare.

[blackangst1]

Originally posted by: Pliablemoose
In the health care industry we call those plans "Streetsurance" they offer horrible coverage, are slow or no pay, have low maximum lifetime benefits, exclude pre existing illnesses, and go out of business frequently.

Using these POS insurance plans as justification to be against UHC is pretty goddamn sad.

I've been against UHC for decades, but I'm sick & tired of seeing people that slip through the cracks and literally die, and the countless number of families that have been financially devastated by a major illness despite having insurance coverage has finally gotten to me.

I've personally provided care for an acute MI (the entire 3 day stay) in an ER more than once, I've held people in the recovery room 2 days and discharged them from the recovery room, I've held up necessary surgeries because all the beds are full.

Health care in this country is a disgrace, we're a disgrace for allowing the insurance companies to make a profit from human suffering. Let them make their profits from overcharging you for your auto insurance or home insurance, things need to change.

Uh, you obviously are aping talking points from...somewhere. I linked a plan for about $100/mo, with no lifetime max, and pre-existing covered. And this was just after 10 mins looking. Get your facts straight.

 

[Pliablemoose]

Originally posted by: blackangst1


Uh, you obviously are aping talking points from...somewhere. I linked a plan for about $100/mo, with no lifetime max, and pre-existing covered. And this was just after 10 mins looking. Get your facts straight.

Yeah, my life day in & day out working for public & private sector hospitals for nearly 3 decades... Talking to the coders and billing people nearly every working day...

& I'm calling BS on that insurance, corporations negotiate for months & years for group prices that are 2 & 3 times that much/month out of employees pocket, if a company could really provide that level of coverage there would be no need for Medicare/Medicaid or even the discussion of UHC.

I can't list who I've worked for & am working for, but health care in this country is a national disgrace.

My co-workers drive Mercedes & Lexus's we're all going to lose $, some of us will lose our jobs, we want reform & UHC, this shit has got to change.

 

[blackangst1]

Originally posted by: Pliablemoose

Originally posted by: blackangst1


Uh, you obviously are aping talking points from...somewhere. I linked a plan for about $100/mo, with no lifetime max, and pre-existing covered. And this was just after 10 mins looking. Get your facts straight.

Yeah, my life day in & day out working for public & private sector hospitals for nearly 3 decades... Talking to the coders and billing people nearly every working day...

& I'm calling BS on that insurance, corporations negotiate for months & years for group prices that are 2 & 3 times that much/month out of employees pocket, if a company could really provide that level of coverage there would be no need for Medicare/Medicaid or even the discussion of UHC.

I can't list who I've worked for & am working for, but health care in this country is a national disgrace.

My co-workers drive Mercedes & Lexus's we're all going to lose $, some of us will lose our jobs, we want reform & UHC, this shit has got to change.

Fine. Call bullshit all you want. The fact is, it comes from a highly rated incurance company. If they are lying, the burden of proof is on you.

BTW My AETNA plan from work has no lifetime caps either. I guess its bullshit too?

 

[dmcowen674]

Originally posted by: Pliablemoose

My co-workers drive Mercedes & Lexus's we're all going to lose $, some of us will lose our jobs, we want reform & UHC, this shit has got to change.

:shocked:

 

[dmcowen674]

Originally posted by: blackangst1

Fine. Call bullshit all you want. The fact is, it comes from a highly rated incurance company. If they are lying, the burden of proof is on you.

BTW My AETNA plan from work has no lifetime caps either. I guess its bullshit too?

Fact is you are lying as always.

 

[Engineer]

Originally posted by: blackangst1


BTW My AETNA plan from work has no lifetime caps either. I guess its bullshit too?

My AETNA has a $1,000,000 lifetime cap. Doesn't matter, they won't pay the fucking bills so they will never reach it.

 

[dmcowen674]

Originally posted by: Engineer

Originally posted by: blackangst1


BTW My AETNA plan from work has no lifetime caps either. I guess its bullshit too?

My AETNA has a $1,000,000 lifetime cap.

Doesn't matter, they won't pay the fucking bills so they will never reach it.

BINGO

 

[MovingTarget]

Originally posted by: Patranus

Originally posted by: MovingTarget
First, many people cannot afford even those premiums. $89 is a lot for someone who works on an hourly basis at Walmart. All the above was quoted for things done 100% in network only. So, if you get sick with something that may require a test or multiple visits, be prepared to start paying a significant amount of your paycheck. The working poor cannot afford this. Cancer? Broken arm? Flu? Be prepared to miss a rent payment if you haven't already exhausted what little savings you have...

That is 100% BS. If they cannot afford it then they either qualify for Medicaid or CHOOSE to not "afford" it.

Ha! Have you ever been one of the 'working poor' or actually worked with them? The whole 'they choose to be too poor to afford it' is complete BS. Perhaps you just don't grasp what it is like to be in that area where you aren't destitute enough to qualify for medicaid, but aren't rich enough to have meaningful coverage. If such a gap didn't exist and was large enough to cause the problems a significant portion of our population currently experience, then this debate wouldnt' be happening.

Many working full time today (or near full time - 39 hours or close so they won't qualify for benefits) are one medical COPAY or one missed day of work away from missing a rent or utility payment. Even if they got this plan for free by their employer, it would still bankrupt them. Would Medicaid help? Sure, but the max limits for what Medicaid uses to qualify people are so low that they may as well be nonexistent. The only real way for many of this class to qualify is to quit their job or cut their hours drastically low so as to gaurantee that they get and remain on welfare.

 

[Engineer]

Originally posted by: dmcowen674

Originally posted by: Engineer

Originally posted by: blackangst1


BTW My AETNA plan from work has no lifetime caps either. I guess its bullshit too?

My AETNA has a $1,000,000 lifetime cap.

Doesn't matter, they won't pay the fucking bills so they will never reach it.

BINGO

They have paid 1/2 of the claims (2.5 of the 5) from my surgery from 23 weeks ago. I hear this week in and week out at work. People have had their wages garnished because they could not pay their bills because the health insurance refused to pay for covered items because of "technicalities".

 

[dmcowen674]

Originally posted by: Engineer

Originally posted by: dmcowen674

Originally posted by: Engineer

Originally posted by: blackangst1


BTW My AETNA plan from work has no lifetime caps either. I guess its bullshit too?

My AETNA has a $1,000,000 lifetime cap.

Doesn't matter, they won't pay the fucking bills so they will never reach it.

BINGO

They have paid 1/2 of the claims (2.5 of the 5) from my surgery from 23 weeks ago. I hear this week in and week out at work. People have had their wages garnished because they could not pay their bills because the health insurance refused to pay for covered items because of "technicalities".

You're doing good to have half paid.

Blue Cross here and they have paid ZERO for all the money they have taken out of my paycheck the last two years.

 

[Sclamoz]

Originally posted by: blackangst1

Uh, you obviously are aping talking points from...somewhere. I linked a plan for about $100/mo, with no lifetime max, and pre-existing covered. And this was just after 10 mins looking. Get your facts straight.

The plan you listed had a copay insurance of 30%.

For example it lists:

Emergency Room$100 Copay (waived if admitted) plus 30% Coinsurance Outpatient Lab/X-Ray30% Outpatient Surgery30% Hospitalization30%

If I understand copay insurance correctly that means you would be responsible for paying 30% of those bills and that's only if Aetna agreed to pay in the first place.


Also, that plan is not available everywhere. Where I live the cheapest plan according to Ehealthinsurance is from Fallon at $206 a month AND a $2000 deductible.

 

[Phokus]

Originally posted by: blackangst1

Originally posted by: Pliablemoose

Originally posted by: blackangst1


Uh, you obviously are aping talking points from...somewhere. I linked a plan for about $100/mo, with no lifetime max, and pre-existing covered. And this was just after 10 mins looking. Get your facts straight.

Yeah, my life day in & day out working for public & private sector hospitals for nearly 3 decades... Talking to the coders and billing people nearly every working day...

& I'm calling BS on that insurance, corporations negotiate for months & years for group prices that are 2 & 3 times that much/month out of employees pocket, if a company could really provide that level of coverage there would be no need for Medicare/Medicaid or even the discussion of UHC.

I can't list who I've worked for & am working for, but health care in this country is a national disgrace.

My co-workers drive Mercedes & Lexus's we're all going to lose $, some of us will lose our jobs, we want reform & UHC, this shit has got to change.

Fine. Call bullshit all you want. The fact is, it comes from a highly rated incurance company. If they are lying, the burden of proof is on you.

BTW My AETNA plan from work has no lifetime caps either. I guess its bullshit too?

You have to pretty much believe that corporations do an absolutely horrible job of negotiating healthcare benefits for employees or you have to be a complete retard to actually believe that plan is realistic (with no loopholes whatsoever).

Like someone said, if those types of plans were readily available to everyone, we wouldn't be having a healthcare debate at all.

 

[dmcowen674]

Originally posted by: MovingTarget

Originally posted by: Patranus

Originally posted by: MovingTarget
First, many people cannot afford even those premiums. $89 is a lot for someone who works on an hourly basis at Walmart. All the above was quoted for things done 100% in network only. So, if you get sick with something that may require a test or multiple visits, be prepared to start paying a significant amount of your paycheck. The working poor cannot afford this. Cancer? Broken arm? Flu? Be prepared to miss a rent payment if you haven't already exhausted what little savings you have...

That is 100% BS. If they cannot afford it then they either qualify for Medicaid or CHOOSE to not "afford" it.

Ha! Have you ever been one of the 'working poor' or actually worked with them? The whole 'they choose to be too poor to afford it' is complete BS. Perhaps you just don't grasp what it is like to be in that area where you aren't destitute enough to qualify for medicaid, but aren't rich enough to have meaningful coverage. If such a gap didn't exist and was large enough to cause the problems a significant portion of our population currently experience, then this debate wouldnt' be happening.

Many working full time today (or near full time - 39 hours or close so they won't qualify for benefits) are one medical COPAY or one missed day of work away from missing a rent or utility payment. Even if they got this plan for free by their employer, it would still bankrupt them. Would Medicaid help? Sure, but the max limits for what Medicaid uses to qualify people are so low that they may as well be nonexistent. The only real way for many of this class to qualify is to quit their job or cut their hours drastically low so as to gaurantee that they get and remain on welfare.

Nice to see these people being called out for the LIARs they are.

Amazing that they continue to spew their lies day in and day out.

The pay must be great.

 

[dmcowen674]

Originally posted by: Sclamoz

Originally posted by: blackangst1

Uh, you obviously are aping talking points from...somewhere. I linked a plan for about $100/mo, with no lifetime max, and pre-existing covered. And this was just after 10 mins looking. Get your facts straight.

The plan you listed had a copay insurance of 30%.

For example it lists:

Emergency Room$100 Copay (waived if admitted) plus 30% Coinsurance Outpatient Lab/X-Ray30% Outpatient Surgery30% Hospitalization30%

If I understand copay insurance correctly that means you would be responsible for paying 30% of those bills and that's only if Aetna agreed to pay in the first place.


Also, that plan is not available everywhere. Where I live the cheapest plan according to Ehealthinsurance is from Fallon at $206 a month AND a $2000 deductible.

Woa, where did you come from with facts???

 

[blackangst1]

Originally posted by: dmcowen674

Originally posted by: Engineer

Originally posted by: dmcowen674

Originally posted by: Engineer

Originally posted by: blackangst1


BTW My AETNA plan from work has no lifetime caps either. I guess its bullshit too?

My AETNA has a $1,000,000 lifetime cap.

Doesn't matter, they won't pay the fucking bills so they will never reach it.

BINGO

They have paid 1/2 of the claims (2.5 of the 5) from my surgery from 23 weeks ago. I hear this week in and week out at work. People have had their wages garnished because they could not pay their bills because the health insurance refused to pay for covered items because of "technicalities".

You're doing good to have half paid.

Blue Cross here and they have paid ZERO for all the money they have taken out of my paycheck the last two years.

Thats a bullshit lie.

 

[dmcowen674]

Originally posted by: blackangst1

Originally posted by: dmcowen674

Originally posted by: Engineer

Originally posted by: dmcowen674

Originally posted by: Engineer

Originally posted by: blackangst1


BTW My AETNA plan from work has no lifetime caps either. I guess its bullshit too?

My AETNA has a $1,000,000 lifetime cap.

Doesn't matter, they won't pay the fucking bills so they will never reach it.

BINGO

They have paid 1/2 of the claims (2.5 of the 5) from my surgery from 23 weeks ago. I hear this week in and week out at work. People have had their wages garnished because they could not pay their bills because the health insurance refused to pay for covered items because of "technicalities".

You're doing good to have half paid.

Blue Cross here and they have paid ZERO for all the money they have taken out of my paycheck the last two years.

Thats a bullshit lie.

Come here and tell that to the Bill Collectors

 

[blackangst1]

Originally posted by: Phokus

Originally posted by: blackangst1

Originally posted by: Pliablemoose

Originally posted by: blackangst1


Uh, you obviously are aping talking points from...somewhere. I linked a plan for about $100/mo, with no lifetime max, and pre-existing covered. And this was just after 10 mins looking. Get your facts straight.

Yeah, my life day in & day out working for public & private sector hospitals for nearly 3 decades... Talking to the coders and billing people nearly every working day...

& I'm calling BS on that insurance, corporations negotiate for months & years for group prices that are 2 & 3 times that much/month out of employees pocket, if a company could really provide that level of coverage there would be no need for Medicare/Medicaid or even the discussion of UHC.

I can't list who I've worked for & am working for, but health care in this country is a national disgrace.

My co-workers drive Mercedes & Lexus's we're all going to lose $, some of us will lose our jobs, we want reform & UHC, this shit has got to change.

Fine. Call bullshit all you want. The fact is, it comes from a highly rated incurance company. If they are lying, the burden of proof is on you.

BTW My AETNA plan from work has no lifetime caps either. I guess its bullshit too?

You have to pretty much believe that corporations do an absolutely horrible job of negotiating healthcare benefits for employees or you have to be a complete retard to actually believe that plan is realistic (with no loopholes whatsoever).

Like someone said, if those types of plans were readily available to everyone, we wouldn't be having a healthcare debate at all.

Most probably wont like my answer to this.

Yes I agree with your first statement.

I dont know about health plans for everyone, I was responding to the OP's bullshit claim that affordable health care insurance wasnt available.

Here's where most wont agree. I understand how underwriting is done. I understand the costs associated with catastrophic health care. I understand because being a type 1 diabetic I could potentially cost my insurer tens of millions of dollars.

BUT

I dont believe there will be, nor should there be, insurance that covers everything under the sun for $25/mo. Its unrealistic if you understand how insurance works. Also, if I ever were in a position of having my diabetes take a turn for the worst, after was all said and done I would simply file chapter 7 and be done with it. Medical banko's really dont impact credit too much any more.

Just my opinion.

 

[blackangst1]

Originally posted by: dmcowen674

Originally posted by: blackangst1

Originally posted by: dmcowen674

Originally posted by: Engineer

Originally posted by: dmcowen674

Originally posted by: Engineer

Originally posted by: blackangst1


BTW My AETNA plan from work has no lifetime caps either. I guess its bullshit too?

My AETNA has a $1,000,000 lifetime cap.

Doesn't matter, they won't pay the fucking bills so they will never reach it.

BINGO

They have paid 1/2 of the claims (2.5 of the 5) from my surgery from 23 weeks ago. I hear this week in and week out at work. People have had their wages garnished because they could not pay their bills because the health insurance refused to pay for covered items because of "technicalities".

You're doing good to have half paid.

Blue Cross here and they have paid ZERO for all the money they have taken out of my paycheck the last two years.

Thats a bullshit lie.

Come here and tell that to the Bill Collectors

Sure thing. PM me with your address and phone number. I can come out in a few weeks.

 

[Pliablemoose]

Originally posted by: blackangst1

If I ever were in a position of having my diabetes take a turn for the worst, after was all said and done I would simply file chapter 7 and be done with it. Medical banko's really dont impact credit too much any more.

Just my opinion.

So your solution for catastrophic health care is to shift the burden on the hospitals who re-shift the burden on the other customers?

BTW, I am sorry to hear you have DM Type I, does your state allow ins companies to not cover pre-existing illnesses if you have to change jobs/ins companies?


We generally see eye to eye on issues, but I changed my opinion about a year ago, my workload cannot increase any more, I'm already providing care I'm not proud of, the bulk of care I provide is already federally managed, what the heck, let's actually provide health care for our fellow man.

 

[dmcowen674]

Originally posted by: blackangst1

Originally posted by: dmcowen674

Originally posted by: blackangst1

Originally posted by: dmcowen674

Originally posted by: Engineer

Originally posted by: dmcowen674

Originally posted by: Engineer

Originally posted by: blackangst1


BTW My AETNA plan from work has no lifetime caps either. I guess its bullshit too?

My AETNA has a $1,000,000 lifetime cap.

Doesn't matter, they won't pay the fucking bills so they will never reach it.

BINGO

They have paid 1/2 of the claims (2.5 of the 5) from my surgery from 23 weeks ago. I hear this week in and week out at work. People have had their wages garnished because they could not pay their bills because the health insurance refused to pay for covered items because of "technicalities".

You're doing good to have half paid.

Blue Cross here and they have paid ZERO for all the money they have taken out of my paycheck the last two years.

Thats a bullshit lie.

Come here and tell that to the Bill Collectors

Sure thing. PM me with your address and phone number. I can come out in a few weeks.

On my web page as always

 

[blackangst1]

Originally posted by: Pliablemoose

Originally posted by: blackangst1

If I ever were in a position of having my diabetes take a turn for the worst, after was all said and done I would simply file chapter 7 and be done with it. Medical banko's really dont impact credit too much any more.

Just my opinion.

So your solution for catastrophic health care is to shift the burden on the hospitals who re-shift the burden on the other customers?

BTW, I am sorry to hear you have DM Type I, does your state allow ins companies to not cover pre-existing illnesses if you have to change jobs/ins companies?


We generally see eye to eye on issues, but I changed my opinion about a year ago, my workload cannot increase any more, I'm already providing care I'm not proud of, the bulk of care I provide is already federally managed, what the heck, let's actually provide health care for our fellow man.

Again, most wont like this response. The fact of the matter is, the "public" pays for catastrophic care one way or another. Thats a fact. Whether youre insured and its not covered or whether youre not insured. Not the government, not the insurance companies, the public. So whats the difference?

When I started this job 3 years ago, I had a 6 month waiting period for diabetes that was waived because I was unemployed the entire year prior (by choice) and payed for insurance (at $39/mo) out of pocket. So all my prescriptions were covered. Had I been not been covered I would have had to wait 6 months.

 

[Nebor]

Originally posted by: SirStev0
How about this for a definition of affordable. I am currently going $70,000 a year in debt for school, split into two semester payouts. After paying 6months of rent up front, I am left with ~4000.00 to live on for 6 months. I need to eat, wash myself, keep myself warm and afford health insurance.

Well this is simple: You can't currently afford health insurance. You might as well have come on here asking us to find you an OLED TV you can afford, or a sports car you can afford. You have no job, you're racking up debt, and you want to purchase goods or services. Well, maybe you should discontinue your internet and cell phone services. Your cable TV. The fact is that you are choosing to live your life a certain way, (ie: not having a job) and your choices limit your buying power and purchase selections. If health care were important enough to you, you would prioritize it and do what was necessary to attain it. Instead you prioritize going to school. Some people prioritize putting 24" wheels on their car over health insurance.

I was paying about $1000/mo for insurance for just myself for the past 8 years or so, and my employer was paying even more. No deductibles, no copays, preventative care covered, no lifetime limit, etc. And I'm a non-smoker, very fit male in my 20s. I'm in the military now, and in retrospect I feel stupid for having paid about $100,000 for health insurance over a period of time where I never went to the doctor for anything more serious than a cold. But now my healthcare is part of my benefits package, and totally paid for by my employer, and while the coverage is great, the quality of care is piss poor. I could have a bone sticking out of my leg and be told to take some Motrin 800 and get some rest.

I do pay for pet insurance now though, which is the real crime. $50 a month for a 15lb dog? Where is congress on this one?!

 

[Phokus]

Originally posted by: Sclamoz

Originally posted by: blackangst1

Uh, you obviously are aping talking points from...somewhere. I linked a plan for about $100/mo, with no lifetime max, and pre-existing covered. And this was just after 10 mins looking. Get your facts straight.

The plan you listed had a copay insurance of 30%.

For example it lists:

Emergency Room$100 Copay (waived if admitted) plus 30% Coinsurance Outpatient Lab/X-Ray30% Outpatient Surgery30% Hospitalization30%

If I understand copay insurance correctly that means you would be responsible for paying 30% of those bills and that's only if Aetna agreed to pay in the first place.


Also, that plan is not available everywhere. Where I live the cheapest plan according to Ehealthinsurance is from Fallon at $206 a month AND a $2000 deductible.

And there's the catch, blackangst is full of crap yet again

 

[blackangst1]

Originally posted by: Phokus

Originally posted by: Sclamoz

Originally posted by: blackangst1

Uh, you obviously are aping talking points from...somewhere. I linked a plan for about $100/mo, with no lifetime max, and pre-existing covered. And this was just after 10 mins looking. Get your facts straight.

The plan you listed had a copay insurance of 30%.

For example it lists:

Emergency Room$100 Copay (waived if admitted) plus 30% Coinsurance Outpatient Lab/X-Ray30% Outpatient Surgery30% Hospitalization30%

If I understand copay insurance correctly that means you would be responsible for paying 30% of those bills and that's only if Aetna agreed to pay in the first place.


Also, that plan is not available everywhere. Where I live the cheapest plan according to Ehealthinsurance is from Fallon at $206 a month AND a $2000 deductible.

And there's the catch, blackangst is full of crap yet again

And there's YOUR catch phukus. You fail at reading.

As usual.

 

[0marTheZealot]

Originally posted by: Nebor

Originally posted by: SirStev0
How about this for a definition of affordable. I am currently going $70,000 a year in debt for school, split into two semester payouts. After paying 6months of rent up front, I am left with ~4000.00 to live on for 6 months. I need to eat, wash myself, keep myself warm and afford health insurance.

Well this is simple: You can't currently afford health insurance. You might as well have come on here asking us to find you an OLED TV you can afford, or a sports car you can afford. You have no job, you're racking up debt, and you want to purchase goods or services. Well, maybe you should discontinue your internet and cell phone services. Your cable TV. The fact is that you are choosing to live your life a certain way, (ie: not having a job) and your choices limit your buying power and purchase selections. If health care were important enough to you, you would prioritize it and do what was necessary to attain it. Instead you prioritize going to school. Some people prioritize putting 24" wheels on their car over health insurance.

Do you not see the problem you just said? You basically said "Choose school or choose your health." Without school, he'll be unable to participate in the economy and actually earn health insurance. On the other hand, if he falls ill and has to receive any sort of health care, he's out of luck because he can't afford health care. He's in a Catch-22 situation.

Comparing health insurance to an OLED or a sportscar is simply ignorant. Health insurance is just as important as food, water, shelter, clothing. Secondly, while internet/phone may be strictly optional, in the real world, it's extremely difficult to live without them. I can see living without internet, as there are many free options out there (library, computer labs), but without a cell phone is really stretching it.

Your post basically highlights why we need major healthcare reform in this country.