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Thread: Insurance for the young could be less than $50 a month

  1. #51
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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by roughdraft274 View Post
    They don't. That's why they don't pay for it. Even though their plan covers it. My wife and I are covered under the exact same insurance plan. It covers the exact same procedures in every single way. Yet my insurance costs alot less. And thats because the insurance company, even though if I got pregnant would be required to cover the expense, they know that's not going to happen so I don't get charged for it. And the people at my office that have the same insurance policy get a reduction for their wives once they reach a certain age because they are no longer determined to be in the "Child birthing age". So even though their insurance covers it, they don't get charged for it, or at least don't get charged nearly as much for it, because it's extremely unlikely that they will use it.

    That's why not everyone pays the same for insurance J. The insurance companies get your age and determine if you are likely to be needing such a service before charging you for it.

    If you knew anything about insurance you'd know that. This is nothing new. This has been around long before ObamaCare. At no point did they have separate plans for old people, men, women, and younger people. You signed up for a plan, and they charged you based on how likely it was that you would use the services.
    Is this your opinion? Or do you have something to back that up?
    Americans are so enamored of equality that they would rather be equal in slavery than unequal in freedom.

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    Re: Insurance for the young could be less than $50 a month

    What an accomplishment by Obama and his team. When this thing finally gets in gear it's going to be coming home like a freight train and any racists and haters in the way are going to be dog meat!

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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by Michael66 View Post
    What an accomplishment by Obama and his team. When this thing finally gets in gear it's going to be coming home like a freight train and any racists and haters in the way are going to be dog meat!
    People always stampede for free stuff. Doesn't mean that the free stuff is the right course of action.
    Americans are so enamored of equality that they would rather be equal in slavery than unequal in freedom.

    Alexis de Tocqueville

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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by TheDemSocialist View Post
    Read more @: Insurance for the young could be less than $50 a month

    Lets get this website up and running to make it a lot easier to apply for these plans. [/FONT][/COLOR]
    Translation: Middle Class get's soaked to pay for political voting blocks bribes. "We're helping to ensure we stay in power" said one democrat senator from Nevada. "Look, they make enough, they should feel good about helping young people to vote for people like me" said another house member from San Francisco". "I don't understand why people would have a problem caring, that's what this is caring. I care about my family and to stay herein washington is the best way to do this. Why do conservatives hate my family?" Asked a Senator from Minn.
    Climate, changes. It takes a particularly uneducated population to buy into the idea that it's their fault climate is changing and further political solutions can fix it.



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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by danarhea View Post
    I will be paying $56.00 per month for my policy, which includes 5 dollar copays for doctors' visits, 15 dollar copays for specialists, 5 dollar copays for generic drugs, and 30 dollar copays for drugs not on the generic list. In the worst case, out of pocket expenses for any treatment for illness cannot exceed 3,000 dollars. Since my wife's medicine normally runs 1,400 bucks a month, that is quite a savings. To be honest, though, my wife was getting her Zyprexa through a special program through Eli Lilly, in which the drugs were free. However, the generic version of that drug just came out, and although it's substantially less, it's still quite a bit. Eli Lilly has dropped Zyprexa from the list of drugs it gives out free of charge to those who cannot normally afford it, because there is now a generic replacement for it.

    The plan that I ordered is the Humana Silver Plan that is offered in Texas. Am thinking about upgrading that to a Humana Platinum Plan, which will only cost me 20 bucks more per month, but has zero copays, and only a thousand maximum out of pocket expenses for any illness. In total, there are 46 different plans available for Harris County, Texas, which includes Houston. Some even include dental. These are available through the Federal Health Care Insurance Exchange.

    BTW, I got my insurance through the Federal Health Insurance Exchange. The web site did not work for me, so I called the toll free number on the site, and got through in minutes. The whole process took about 2 hours on the phone. Bottom line here is that the ACA is not just a web site.
    $56.00 a month, at what level did you charge your fellow Americans to help cover the rest? Hmm? Not that you care, you got yours, screw everyone else.
    Climate, changes. It takes a particularly uneducated population to buy into the idea that it's their fault climate is changing and further political solutions can fix it.



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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by j-mac View Post
    Is this your opinion? Or do you have something to back that up?
    Go and get a quote on an extensive health insurance policy for a twenty something male and a twenty something female. One will be higher, for the exact same plan. That's because one of them will be getting more uses from the benefits, even though they both cover the exact same thing. Why else would they cost differently for the sexes?

    Did you know that if a 60 year old and an 18 year old go out and buy the exact same car insurance, one will cost more even though they are identical policies? Why is that? Because the insurance company knows who is more likely to use that insurance. Just like with health insurance and maternity coverage. The health insurance companies figure out how much they are going to pay out for the typical middle aged man's boner pills, and they figure out how much they pay out for the typical woman's birth control or maternity care, and they charge accordingly.

    This has nothing to do with opinion, and everything to do with you following nothing but talking points.
    Quote Originally Posted by TurtleDude View Post
    uh that is so small as to be stupid. Do you want registration? given less than 3% of criminals get their guns from private sales, its pretty much a waste of resources
    **Thirty Minutes Later**
    Quote Originally Posted by TurtleDude View Post
    you are confused. I never denied that many criminals get guns in private sales.

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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by roughdraft274 View Post
    Go and get a quote on an extensive health insurance policy for a twenty something male and a twenty something female. One will be higher, for the exact same plan. That's because one of them will be getting more uses from the benefits, even though they both cover the exact same thing. Why else would they cost differently for the sexes?

    Did you know that if a 60 year old and an 18 year old go out and buy the exact same car insurance, one will cost more even though they are identical policies? Why is that? Because the insurance company knows who is more likely to use that insurance. Just like with health insurance and maternity coverage. The health insurance companies figure out how much they are going to pay out for the typical middle aged man's boner pills, and they figure out how much they pay out for the typical woman's birth control or maternity care, and they charge accordingly.

    This has nothing to do with opinion, and everything to do with you following nothing but talking points.
    I was hoping that you could provide a link that would back up your opinion...I am not an insurance agent. But I know this. If you go out and say, buy a car....You don't want the power package that includes windows, and locks, and you don't need the sport transmission, and suspension upgrade because you don't plan on driving the car that way, the car will cost you less....A company doesn't tack on the extras then not charge you for them if you don't use them.
    Americans are so enamored of equality that they would rather be equal in slavery than unequal in freedom.

    Alexis de Tocqueville

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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by j-mac View Post
    I was hoping that you could provide a link that would back up your opinion...I am not an insurance agent. But I know this. If you go out and say, buy a car....You don't want the power package that includes windows, and locks, and you don't need the sport transmission, and suspension upgrade because you don't plan on driving the car that way, the car will cost you less....A company doesn't tack on the extras then not charge you for them if you don't use them.
    They do for insurance. Insurance isn't the same as a new car. A car will cost the same whether your 50 or 20. But the insurance won't. Agreed? Even though the insurance will cover both people if they get in a wreck, it will cost less for the 50 year old with a family. Why? Cause he's less likely to use it. That's real world.
    Quote Originally Posted by TurtleDude View Post
    uh that is so small as to be stupid. Do you want registration? given less than 3% of criminals get their guns from private sales, its pretty much a waste of resources
    **Thirty Minutes Later**
    Quote Originally Posted by TurtleDude View Post
    you are confused. I never denied that many criminals get guns in private sales.

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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by clownboy View Post
    And that would matter how if they can't come up with the deductible either way?
    Good point. I'm seeing deductibles listed at $5000, $7500 and $10,000. If you can't meet the deductible it doesn't matter if it is $5000 or $500,000, you can't pay it. My wife has a surgery coming up in January, the surgeon and the hospital are requiring the deductibles be covered BEFORE the surgery. According to the doctors I have talked to anything but life saving emergency treatment is going to be treated this way. So those young people, unless they are actually dying, are pretty much uninsured if they can not meet the deductible. For us the good thing about this surgery is that it will top out our yearly out of pocket for the family for the 2014 calendar year which is $2400. Our insurance is provided thru the hospital my wife works for (medical lab tech) so we know a lot of doctors. Not one is finding anything positive about Obamacare.

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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by roughdraft274 View Post
    They do for insurance. Insurance isn't the same as a new car. A car will cost the same whether your 50 or 20. But the insurance won't. Agreed? Even though the insurance will cover both people if they get in a wreck, it will cost less for the 50 year old with a family. Why? Cause he's less likely to use it. That's real world.
    No, not agreed....show me
    Americans are so enamored of equality that they would rather be equal in slavery than unequal in freedom.

    Alexis de Tocqueville

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