Page 8 of 9 FirstFirst ... 6789 LastLast
Results 71 to 80 of 81

Thread: A turning point for American healthcare.

  1. #71
    Sage
    Boo Radley's Avatar
    Join Date
    Dec 2009
    Last Seen
    11-22-17 @ 04:22 PM
    Gender
    Lean
    Liberal
    Posts
    36,858

    Re: A turning point for American healthcare.

    Quote Originally Posted by Gill View Post
    Cost for the health insurance premium of course...

    Doesn't matter what policy they have now or even if they have one. How much will a health insurance policy cost monthly or annually for the family of four making $40,000./year.

    You act as if you know the health care reform bill, so this should be a snap for you. Or are you just bluster and spin ??
    That would depend on the insurance you have. My premium hasn't changed since before reform. Others have. But there is no set and certain cost for anyone in terms of premiums. To even suggest there is an answer to that question, as you pose it, shows a real lack of knowledge on your part. The government isn't unifying all the insuance policies into one cost for all income levels.

    Thanks for convincing me that was right to doubt you.

    AUSTAN GOOLSBEE: I think the world vests too much power, certainly in the president, probably in Washington in general for its influence on the economy, because most all of the economy has nothing to do with the government.

  2. #72
    Klattu Verata Nicto
    LaMidRighter's Avatar
    Join Date
    May 2005
    Location
    Louisiana
    Last Seen
    07-21-17 @ 02:42 PM
    Gender
    Lean
    Libertarian - Right
    Posts
    30,534

    Re: A turning point for American healthcare.

    Quote Originally Posted by MaggieD View Post
    No offense, LA, but your working in the industry in no way discounts what I've said.
    No offense taken. Likewise no offense but I will have to address your points here.

    First bolded sentence: Just what are these "other options more geared toward their needs?" People with pre-existing conditions need HEALTH INSURANCE. There ARE no other options.
    This is a huge misconception, while high risk companies are hard to find and usually quite expensive they exist and some are actually competitive when compared to the standard risk coverage models, one of the more comptetive I've seen is a product called Per4mance. The worst premium I saw was around 4 hundred a month, this is for the worst of health problems and not at all unreasonable considering. One disclaimer is that this was a year or two ago and their rates may have changed.

    Second bolded portion: It's not common sense at all. It is common sense that young people with many other priorities for their money who are NOT covered by group plans are quite healthy and simply choose not to purchase insurance. It's common sense also that those not covered by group policies simply cannot AFFORD (or think they cannot afford) individual ones.
    As was aptly put by another poster before this response. Those "young" "healthy" people will not be more inclined to buy in but rather will "just pay the fine" and then sign up when they get sick, I can tell you first hand that this magic group does not want health insurance outside of a benefits package and will use the money to further their lifestyles such as vehicles, electronics, etc. Those people that are supposed to skew the risk pool down don't participate en masse and won't. It was always a huge frustration for me in sales.

    This is far from the most unhealthy period in American history.
    News reports and CDC data suggest otherwise, this is the most sedentary population in US history, more fat people means more cardiovascular and renal issues, which happen to be insanely expensive. The BMI that has been an industry standard for years is nowhere near today's reality.
    The problem we have is that technology has outstripped our ability to pay for it.
    This is false. The problem is technology has been overused due to tort abuse and the ensuing CYA medical practices in the name of avoiding frivolous lawsuits.
    So those that HAVE get. Those that don't have CAN'T.
    Insurance and medical care are commodities, no matter the emotions based on it these are realities. I can't get a new car at the moment because I "don't have" the money for it and frankly it's my responsibility to step up, the same holds for my medical and other liabilities.
    The insurance model hasn't changed much in a hundred years, I'd bet.
    I wouldn't put money or pride on that bet if I were you.......no offense. The models have changed drastically just over the last 30 years alone. The late senator Ted Kennedy signed legislation in the '70s creating the HMO, Medicare supplementals have been booming since the '80s, in the '90s we had HIPAA laws that drastically altered underwriting and practices, the HSA is new since I started in the business around '04, and the once fantastic indemnity coverage that used to cover people well is grossly insufficient in lieu of the major medical policies have surfaced. Then there is Medicare advantage which is newer but about to be abandoned and Medicare N supplementals that only about 2 companies currently offer. The overall point here is that models are in a constant state of flux to meet needs.
    Yet our lifespans are ever increasing and technology is ever advancing. We treat fatal illnesses with the same aggressiveness that we treat cureable ones, right up until we put these unfortunate souls in the ground. Capitalism at its finest.
    The healthcare system in our country is not a great example of capitalism, it's actually a very restricted market regulated to the hilt. For example I have to have about 5 signed documents to sell a simple policy and for the more complicated ones it's a nightmare. Many of the restrictions are actually repetitive and of no demonstrable value. If people want to really solve healthcare it must be streamlined, trimmed, and only those regs that have a definite value should be kept.

    A link? Link me to one of these companies that provides insurance for people who are insulin-dependent; those who have had a diagnosis of cancer at any time during their lives; those with HepC; transplants. If there are any, they are prohibitively expensive, meant only for the rich.
    Per4mance for one. I can't provide the link as I lost that paperwork, otherwise I would have appointed with them. That was a huge DOH on my part.
    Neither side in an argument can find the truth when both make an absolute claim on it.

    LMR

  3. #73
    Sage
    Gill's Avatar
    Join Date
    Dec 2005
    Location
    The Derby City
    Last Seen
    12-08-17 @ 10:39 AM
    Gender
    Lean
    Slightly Conservative
    Posts
    8,686

    Re: A turning point for American healthcare.

    Quote Originally Posted by Boo Radley View Post
    That would depend on the insurance you have. My premium hasn't changed since before reform. Others have. But there is no set and certain cost for anyone in terms of premiums. To even suggest there is an answer to that question, as you pose it, shows a real lack of knowledge on your part. The government isn't unifying all the insuance policies into one cost for all income levels.

    Thanks for convincing me that was right to doubt you.
    Of course your health insurance hasn't changed... most provisions of the health care reform won't start until 2014.

    There are several options for coverage, but it has nothing to do with your current coverage unless you have health insurance provided by an employer. I'm talking about someone that does not have employer provided health insurance and must buy it on the exchange.

    Of course they are not unifying the cost at all income levels... that's why I specified a family of four making $40,000. a year. Don't you ever read posts ???

    You've cleared the situation up though. Despite your high-handed comments, you don't have a clue what is in the health care reform package, just like the majority of Americans. You, like they, are in for a nasty surprise.

    • "The America Republic will endure until the day Congress discovers that it can bribe the public with the public's money." -- Alexis de Tocqueville





  4. #74
    Sage
    Boo Radley's Avatar
    Join Date
    Dec 2009
    Last Seen
    11-22-17 @ 04:22 PM
    Gender
    Lean
    Liberal
    Posts
    36,858

    Re: A turning point for American healthcare.

    Quote Originally Posted by Gill View Post
    Of course your health insurance hasn't changed... most provisions of the health care reform won't start until 2014.

    There are several options for coverage, but it has nothing to do with your current coverage unless you have health insurance provided by an employer. I'm talking about someone that does not have employer provided health insurance and must buy it on the exchange.

    Of course they are not unifying the cost at all income levels... that's why I specified a family of four making $40,000. a year. Don't you ever read posts ???

    You've cleared the situation up though. Despite your high-handed comments, you don't have a clue what is in the health care reform package, just like the majority of Americans. You, like they, are in for a nasty surprise.
    Different familys could end up with different cost depending on when and where and how much coverage they want (BTW, you misunderstood the comment about unifying income levels).

    try loking at something a little more objective than you have been:

    http://www.kff.org/healthreform/upload/8061.pdf

    AUSTAN GOOLSBEE: I think the world vests too much power, certainly in the president, probably in Washington in general for its influence on the economy, because most all of the economy has nothing to do with the government.

  5. #75
    Sage
    Gill's Avatar
    Join Date
    Dec 2005
    Location
    The Derby City
    Last Seen
    12-08-17 @ 10:39 AM
    Gender
    Lean
    Slightly Conservative
    Posts
    8,686

    Re: A turning point for American healthcare.

    Quote Originally Posted by Boo Radley View Post
    Different familys could end up with different cost depending on when and where and how much coverage they want (BTW, you misunderstood the comment about unifying income levels).

    try loking at something a little more objective than you have been:

    http://www.kff.org/healthreform/upload/8061.pdf
    That's exactly the same site I go to for information on health care reform. Obviously, you need to look a little further on their site.

    • "The America Republic will endure until the day Congress discovers that it can bribe the public with the public's money." -- Alexis de Tocqueville





  6. #76
    Sage

    Join Date
    Apr 2008
    Location
    Huntsville, AL (USA)
    Last Seen
    12-13-17 @ 10:52 PM
    Gender
    Lean
    Moderate
    Posts
    9,766

    Re: A turning point for American healthcare.

    Quote Originally Posted by Councilman View Post
    In response to the "Obama I don't really care about your Health Kill Granny plan" we have already seen rates go up substantially and now I read that many Insurance Co. are dropping Child policies to avoid the new rules.

    This tells me the best course is for a more pragmatic Health Care plan that doen't have 13 or more new taxes hidden in 2000 plus pages, of garbage.

    The republicans actually have a better idea for after we get rid of the Obama plan after the Nov. Election.

    I only hope they follow through with what they are saying now. We could see much of the damage of the last two plus years reversed with a little luck.
    There use to be a thread in the "Health Care" forum that provided a link to all the health care reform proposals prior to what eventually became law, but it's gone none...made part of the forum archieves I suppose. Point is, from what I read of Republican proposals they weren't that much different that what we actually received. In fact, IMO, they didn't go far enough to address many of the issues listed in the OP that patients have had to deal with for years from the health insurance industry.

    Frankly, I'd much rather have the issues that were addressed in what the Dems passed than to continue having to deal with those issues where Republican proposals fell short.

  7. #77
    Sage
    Boo Radley's Avatar
    Join Date
    Dec 2009
    Last Seen
    11-22-17 @ 04:22 PM
    Gender
    Lean
    Liberal
    Posts
    36,858

    Re: A turning point for American healthcare.

    Quote Originally Posted by Gill View Post
    That's exactly the same site I go to for information on health care reform. Obviously, you need to look a little further on their site.
    Or maybe you need to specify better, as asked, your question can't be answered by the bill.

    AUSTAN GOOLSBEE: I think the world vests too much power, certainly in the president, probably in Washington in general for its influence on the economy, because most all of the economy has nothing to do with the government.

  8. #78
    Sage
    Gill's Avatar
    Join Date
    Dec 2005
    Location
    The Derby City
    Last Seen
    12-08-17 @ 10:39 AM
    Gender
    Lean
    Slightly Conservative
    Posts
    8,686

    Re: A turning point for American healthcare.

    Quote Originally Posted by Boo Radley View Post
    Or maybe you need to specify better, as asked, your question can't be answered by the bill.
    It could if you knew anything about the bill. OK, assume the family gets the silver plan. What's their annual premium?

    • "The America Republic will endure until the day Congress discovers that it can bribe the public with the public's money." -- Alexis de Tocqueville





  9. #79
    Sage
    Boo Radley's Avatar
    Join Date
    Dec 2009
    Last Seen
    11-22-17 @ 04:22 PM
    Gender
    Lean
    Liberal
    Posts
    36,858

    Re: A turning point for American healthcare.

    Quote Originally Posted by Gill View Post
    It could if you knew anything about the bill. OK, assume the family gets the silver plan. What's their annual premium?
    Are you talking about subsidies?

    Why don't you just link what you're speaking about as I'm running out of time to before I have to leave.

    AUSTAN GOOLSBEE: I think the world vests too much power, certainly in the president, probably in Washington in general for its influence on the economy, because most all of the economy has nothing to do with the government.

  10. #80
    Sage
    Gill's Avatar
    Join Date
    Dec 2005
    Location
    The Derby City
    Last Seen
    12-08-17 @ 10:39 AM
    Gender
    Lean
    Slightly Conservative
    Posts
    8,686

    Re: A turning point for American healthcare.

    Quote Originally Posted by Boo Radley View Post
    Are you talking about subsidies?

    Why don't you just link what you're speaking about as I'm running out of time to before I have to leave.
    How many times do I have to post this...??????

    Quote Originally Posted by Gill
    Cost for the health insurance premium of course...

    • "The America Republic will endure until the day Congress discovers that it can bribe the public with the public's money." -- Alexis de Tocqueville





Page 8 of 9 FirstFirst ... 6789 LastLast

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •